Multiply Money is garbage!!

Momentum Money that offers cards to spend funds can't provide the services that one typically expect from someone issuing cards, resulting in a substandard, Momentum-like experience. Case in point: I spent on the Multiply card > I returned the goods > I'm due for a refund from the vendor > Vendor tries to refund funds 3x > Momentum Multiply Money card can't handle this request > Transaction fails > Momentum clueless.