Payments are 100% reliable. I have been at it for almost 3 months now. They did pay out 0% on three occasions in the past 88 days but I pay no mind to that. I have been getting paid everyday other wise. I have W/D funds moved coins from wallet to wallet and never had any issues with anything. I will always in the back of my mind ask the question of how long BitConnect can sustain itself, and I keep hope that the devs behind it are not greedy little bastards getting ready to close shop and take everyone's investments. But thats the risk I was willing to take when getting involved. Other than that worry the program has been awesome!