I have used my account for over a year, including paying for our last trip using it. When I first opened the account, I had no issues. But as I continued to fund it, I would run into problems with it posting the money. There would be some sort of error that would kick me out of the payment. So, I found out then it was a little quirky. Thought it was maybe just me.
I also thought it may have been the way I was funding the account. What I do is use Disney gift cards to fund our entire trip. Whether buying them at Kroger, Target, or Sam's using every money saving tool I can, the number of gift cards being entered was enormous. There are times I would enter 40 gift cards at a time and some I would have to go back and try multiple times. I did find out however that the servers they use are less worked overnight. So, I would either stay up late or get up early to enter them.
If you are not using the Vacation Account with the gift cards, you are missing out!!!!