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"\nPros: Massive user base, most transactions are free, lots of extras, strong security\nCons: Guests can&#39;t send and receive payments, users can&#39;t split checks with payments\nVenmo has become a dominant player in the P2P field, which means it&#39;s likely people you know might already be using it. Keep in mind that Venmo isn&#39;t just a payment-transfer service, it&#39;s also a social network, so keep shopping around if you&#39;re private about money. A small fee applies only to credit card transactions, not to debit cards, bank accounts, prepaid cards, or your Venmo balance. There&#39;s also a 25-cent charge to transfer money out.\n"
<https://blog.cheapism.com/best-mobile-payment-apps/>