GUIDE TO THE RATINGS Ratings are based on analyses of operations and data policies of mobile versions of peer-to-peer payment services performed by Consumer Reports between December 2017 and July 2018. The Overall Score is based on the criteria shown in the table, and on other factors related to fee disclosure and arbitration. A score of 81 to 100 is excellent, 61 to 80 is very good, and 41 to 60 is good. Payment authentication evaluates controls available to users to prevent fraud and error. Data security evaluates encryption, authentication, security oversight, security over time, and vulnerability disclosure. Data privacyanalyzes data control, data retention and deletion, data collection, minimal data collection, privacy by default, and data use. Customer support looks at providers’ error resolution policies, ease of finding in-app help, and whether providers ensure that funds they hold are covered by deposit insurance. Broad accessrewards services that do not limit use to those with a bank account or particular mobile device.