The overall rating reflects the current state of the app. It accounts for all app reviews but prioritizes the most recent ones.
Worked great until we received several duplicate charges on our credit card to recharge our shipping account (one was 4 times the usual $50 amount). We tried for 3 months (including several phone calls) to fix. Every time we spoke with someone, they promised "a manager was looking into this and would call us back". Never received a return phone call.
If you have a credit card on your XPS account, you can't delete it unless you are adding another form of payment. Not good.