Happier Spending. (The New York Times, 6/22/2013)
Excerpt: It’s a payment system that encourages instant gratification. Interestingly, however, research suggests that we derive greater happiness from goods we pay for immediately, but don’t use for some time, than we do from goods we use now but pay for later.
Not if you link the app to your debit card.
Source: Nerd Wallet