WARNING DOES NOT PROTECT ITS USERS!!!, The whole point of using a third party payment route is to have some means of protection while having multiple ways to pay, well when it comes to protection your SCREWED, if the person you pay doesn't follow through it is up to you to get your money back! Very pitiful and makes venmo feel more useless than useful... PayPal had it right take some notes it could do the app alot of good! Can't wait to Uninstall this usless app!