Reported High Volume of Declined Transactions (medium) A verified customer review dated March 5, 2025, noted that the platform experienced 'a lot of declined transactions' and that the user was only informed about these failures indirectly by friends attempting to donate. This indicates a potential operational or payment gateway reliability issue impacting the core service (fundraising).. Explicit Policy Against Client Assessment (KYC/AML Risk) (high) 4fund.com explicitly states in its policy that it does not assess its clients or organizations running fundraisers, only checking if the goal itself is legal. This is a critical failure of Know Your Customer (KYC) and Anti-Money Laundering (AML) procedures for a financial platform, creating high regulatory risk, especially since the company is a licensed Payment Service Provider (PSP).. Contradictory Fee Structure and User Complaints (medium) The company repeatedly advertises itself as '100% free' with 'No fee' and 'entirely fee-free fundraising campaigns.' However, recent third-party reviews indicate a contradiction: 'While it claims to offer a free service, some users have reported [issues].' This suggests hidden fees, mandatory tips, or opaque transaction costs, raising consumer protection concerns.. Unfunded Status Despite Operating Since 2004 (medium) 4fund.com (or the entity behind it) was founded in 2004, yet as of May 5, 2025, it is explicitly listed as an 'unfunded company.' This lack of external investment or funding is highly unusual for a major European platform claiming to be 'top crowdfunding platform in Europe' and operating a licensed payment service, suggesting potential financial fragility or limited scalability.