Based on the users' reviews of the app "Мой чеки - онлайн" (My Cheques - Online), here are three cons and pros in English, 15 words limited for each item: **Pros:** 1. Easy to use, simple interface, and quick registration process for new users. 2. Reliable for tracking expenses and receiving notifications for payment delays. 3. Convenient for creating and managing cheques, avoiding paper trail. **Cons:** 1. Some users complain about payment processing issues and delayed transactions. 2. Lack of customer support, causing frustration and long response times. 3. Inconsistent updates and glitches, disrupting app functionality and user experience. Please note that these conclusions are based on a general analysis of the user reviews, and individual experiences may vary.