Online Payment Options Abound. Keep It Simple With These Designer-Friendly Choices

– Before 2015, security issues were more prevalent, with hackers cracking into customers’ banking info until Venmo strengthened its fraud identification, security measures, and customer support. But some users still report weak customer service and unanswered email requests for help.

3. Zelle

With Zelle you can send and receive cash directly to and from your bank account for money transfers within minutes. The major U.S. banks that currently participate in Zelle include Chase, Bank of America, Citi, U.S. Bank, Wells Fargo, and online banks Ally and Capital One.


– Zelle charges no fees at all.

– Because Zelle is directly linked to your bank account, transactions are almost immediate.

– Most major U.S. banks and credit unions participate, with the list continuing to grow.

– You can easily send or receive money via Zelle user’s email address or phone number (in order to receive funds, the recipient must enroll in Zelle).

– There’s no need to download the Zelle app if your bank or credit union is a Zelle partner; instead, you may transfer funds using your banking app.

– If your bank or credit union is not a Zelle partner, then you can still use the app to transfer money, but you must do so by downloading the Zelle app.


– You can only connect one bank account to your Zelle profile right now.

– Money may only be transferred between participating U.S. banks and credit unions.

– You cannot link a credit card to cover transactions in the event that you lack funds in your bank account.

4. Square Cash

Comparable to the other P2P payment methods, Square’s Cash App allows users to easily create an account and link a debit card or a bank account to transfer funds for free or via credit card (for a fee).


– A free optional debit card allows users to spend their Cash App balance.

– Users with the Cash App debit card can activate discounts called “cash boosts” to save money.

– The Cash App can be used to buy and sell Bitcoin.

– It’s simple to use via the phone app, website, iMessage, or Siri.

– Cash App users can send and receive money to friends in the U.K.


– Fees

  1. There is a 3 percent fee to send money via credit card.
  2. There is a 1.5 percent fee for instant transfers.

– It’s only available in the United States and between the U.S. and the U.K.

– Standard processing can take up to three business days.

–According to some app store reviews, customer service can be problematic.

5. Google Pay

Internet behemoth Google offers the simple, intuitive P2P system Google Pay with many of the same features—and then some—and with few of the drawbacks of its competitors. Available on iOS or Android devices, the well-designed, easy-to-use app works via mobile device, desktop, or tablet and must be linked to a Google account and bank account or debit card to send and receive money.


– It’s completely free to send and receive via bank account or debit card.

– Instant transfer is free via debit card. (Note that Google warns sometimes the charge or credit may not appear for up to 24 hours.)

– There is a high transfer limit of $10,000 per transaction.

– You can send or receive money with an email address or a phone number or simply by pressing the dollar sign icon in the toolbar of a Gmail message. This might be the simplest method of sending and receiving money yet!

– You can use Google Pay for contactless payments if the merchant has a near-field-communication reader.

– It allows integration with other Google products—for example, you can ask Google Assistant to send money via Google Pay.

– It’s also compatible with PayPal for making purchases.


– There is a 2.9 percent fee for use with a credit card.

– It is only available to send money in the United States and India.

– Receiving funds can take up to five days to credit a bank account, and in some cases it can take up to 10 days to be withdrawn from an account.