Serve is american express's competitor to paypal, and I signed up because they were offering $10 to try it. They are very thorough with the verification process, they ask to verify your ssn with a W2 or ssn card scan. a bit intrusive and if you email someone money they need a serve account to get it. I wouldnt recomend it Bobsled, is an app that you can call your friends on your facebook list or call people thru your computer for free. Its a cool little app, the max you can talk is 75 minutes , the calls were clear. Youhave to download and install it, and just click on it to use it