Venmo seriously only works when it wants to. I tried so hard to send money to a person I know in real life and it said there was a problem with my payment. I called my bank and the transaction was stopped by venmo and they wont tell me why. My blood pressure is going up and I've cried 6 times in pure frustration. It works sometimes, if it decides a real person is a scam tho, there is no way to defend yourself and continue using the service. I have had a really bad experience. 0/10