I have been using bet9ja for over 2 years now, because of it's proximity to my house, its popularity and their odds. I bet on football only. My positive experience is their prompt payment while my negative experience is some of their staff's attitudes towards customers. Sometimes they can insult their customers. But, they punish such staff if they are reported to their manager. You can pay with your bank card or make transfer. They make use of Bet9ja ID number created for each customer along with username and account number. I would recommend bet9ja to others because of their prompt payment.