snapchat

So I just came across this article about Snapchat now offering with the help of Square, sending and receiving money through Snapchat/text. The money part is mostly taken care of by Square. http://recode.net/2014/11/17/snapchat-to-let-you-send-money-to-friends-thanks-to-square/ I haven't...

What do you use? Pros / Cons? So have seen a lot of models start offering chat/pics via apps like kik or snapchat and have been considering it myself. Curious if one app is better than the other and why etc!?

I know a lot of models sell access to both of these, but which do you prefer? Do you sell it monthly, or lifetime?