At first this was a great way to send money to family and friends,however, when new friends are made and you decide to help you friend save money by selling them a baby item I haven't used for a fraction of the cost of anyone and everywhere else, venmo charges so far a 1.9% fee and a $0.10 fee because I sold my friend an item as if you already going to have to file taxes once you reach $600 a year wasn't enough. Venmo/paypal need to be more transparent about this in their description.