Author Topic: Venmo, zelle Paypal? (Read 1677 times)

spaugh · « **on:** January 27, 2025, 08:04:33 PM »

Why do people want to use Venmo instead of paypal? It's the same thing owned by the same company but for some reason people want to use Venmo instead of paypal? Am I just old and lame or what? I just want to use paypal and not get venmo and zelle.

MrJC · « **Reply #1 on:** January 27, 2025, 08:57:20 PM »

zelle is built into some banks like mine. so its very easy to send money. but for Venmo i have no idea.

SHV · « **Reply #2 on:** January 27, 2025, 10:39:05 PM »

I think Venmo is a generational phenomenon that is more 'social' focused. It was positioned to me as an easy, no service fee way of transferring money among friends. Like splitting a tab at a restaurant. You can follow your friends on Venmo which I always thought was a little weird. I don't want them knowing how I spend my money.
As mentioned by MrJC, Zelle is integrated with the big banks so it's instant money transfer directly to/from your account with higher level of security. This is the service I prefer.

roblack · « **Reply #3 on:** January 27, 2025, 10:45:21 PM »

Get you some Zelle bro and you won't be old and lame no more! PP is still a few clicks quicker for me though.

Agreed, Venmo feed is weird. You can click to keep your transactions private.

561MangoFanatic · « **Reply #4 on:** January 27, 2025, 10:59:40 PM »

PayPal takes a cut.. no cut Zelle, easy and instant. (Also my banking app comes with Zelle so it’s super convenient). Venmo is also instant and charges likes less than PayPal. Plus trying to find the right account for PayPal is a pain in the ass sometimes too.

spaugh · « **Reply #5 on:** January 27, 2025, 11:02:49 PM »

Paypal doesnt take a cut when you use the friend option.

I really dont want to be a zelle or venmo bro but all the hip kids have that crap.

I have a credit union also, no zelle

nattyfroootz · « **Reply #6 on:** January 27, 2025, 11:14:36 PM »

Venmo is really super easy and it also feels secure and easy to find people and make sure you are paying the right person. I freak out sending people things on Zelle, feels hard to trust a first time transfer to someone. Paypal is good but yeah, they take a cut. If i'm selling plants at events or in person I take cash, venmo or card. Definitely prefer venmo but I get alot of pizza payments on those days, they charge businesses but not individuals.

spaugh · « **Reply #7 on:** January 27, 2025, 11:24:10 PM »

I dont know, someone sent me money on venmo and I dont have venmo so Im setting it up to claim the money but it feels intrusive to me. I dont want them importing my contacts and I am having trouble linking my credit union.

Im pretty annoyed right now.

All I want to do is refund this guy his money but they don't have that on venmo.

Also I have no way to click on that guy and send him his money back. I can put his name in and send but I have no idea if its the right person. This guy is not someone I know.

Rain · « **Reply #8 on:** January 27, 2025, 11:32:02 PM »

I don't have venmo. So I didn't even know some one could send you money without an account? So weird.

I do like Zelle tho. It is built in to my bank so I can send money without any fee.

spaugh · « **Reply #9 on:** January 27, 2025, 11:36:33 PM »

They sent me money and I didnt have an account so it send sends you an email saying setup venmo yo claim the money.

Its a cluster. I'm annoyed. Now I have to try and get my bank linked but its not working. All I want to do is refund this guy and close this venmo account.

My favorite is when poeple send me cash in an envelope. You guys are the absolute best. Much rather get cash in the mail than have another goofy paypal type account that wants all my personal info and shares my transactions with the world. What a joke.

spaugh · « **Reply #10 on:** January 27, 2025, 11:45:49 PM »

"By default, Venmo displays all your transactions publicly, meaning anyone on the internet can see who you paid and how much, unless you change your privacy settings to "Friends Only" or "Private" in your account settings; this is considered a potential privacy concern as many users may not realize their transactions are visible to everyone by default.
Key points about Venmo privacy:
Default setting is public:
When you make a transaction on Venmo, it's initially set to "Public" which means anyone can see it.
Changing privacy settings:
You can adjust your privacy settings to "Friends Only" (visible only to your Venmo friends) or "Private" (only visible to you and the person you're transacting with).
Accessing privacy settings:
To change your privacy settings, go to your profile on Venmo and navigate to the "Privacy" section within your settings."....

Seriously?

Sir Graftalot · « **Reply #11 on:** January 27, 2025, 11:48:08 PM »

Quote from: spaugh on January 27, 2025, 11:36:33 PM

They sent me money and I didnt have an account so it send sends you an email saying setup venmo yo claim the money.

Its a cluster. I'm annoyed. Now I have to try and get my bank linked but its not working. All I want to do is refund this guy and close this venmo account.

My favorite is when poeple send me cash in an envelope. You guys are the absolute best. Much rather get cash in the mail than have another goofy paypal type account that wants all my personal info and shares my transactions with the world. What a joke.

Sounds like a phishing scheme. I really don't know how someone could send money to an account that you don't have. I suggest you not click on any links in that message until you know it's a legitimate sender/transaction.

spaugh · « **Reply #12 on:** January 27, 2025, 11:50:10 PM »

Oh no its legit venmo. Thats how it works with venmo. Its not a scam. You just have to setup a venmo account to get the money. Anyway I sent the guy his money back and closed my venmo account.

He can use paypal if he wants to pay ne or send me a check or cash.

Bush2Beach · « **Reply #13 on:** January 28, 2025, 01:36:10 AM »

I am in the same boat ( Paypal, cash or money order/cashiers check). As much as personal privacy has gone out the window , I want to hang onto whatever little shreds I can.

Quote from: spaugh on January 27, 2025, 11:50:10 PM

Oh no its legit venmo. Thats how it works with venmo. Its not a scam. You just have to setup a venmo account to get the money. Anyway I sent the guy his money back and closed my venmo account.

He can use paypal if he wants to pay ne or send me a check or cash.

shot · « **Reply #14 on:** January 28, 2025, 09:32:44 AM »

Zelle all day every day

Jaboticaba45 · « **Reply #15 on:** January 28, 2025, 11:10:48 AM »

Venmo is no go as there is no purchase protection.
Purchase protection on paypal is pretty nice if you're doing business with someone new.

Zelle is always nice too

MasOlas · « **Reply #16 on:** January 28, 2025, 11:16:48 AM »

Mission Federal Credit Union uses Zelle. Zelle is too easy to send/receive I have friends in Baja who ask me to bring them meats from the butcher and we transact with Zelle. PP is set up for most e-commerce so I use it for that.

I used to be a cool kid, but now I'm just cool.

Tropical Sunshine · « **Reply #17 on:** January 28, 2025, 12:40:45 PM »

I have used PP in most of my online transactions and don’t plan to ditch it anytime soon. I don’t have Venmo or Zelle (yet). If a vendor gives me the option to use cc or PP, I would pick PP the majority of the time. Call me old fashioned if you will, but I go by the mantra: If it ain’t broke don’t fix it! And besides, PP is just frikking easy to use, a straight forward way of making online purchases…

spaugh · « **Reply #18 on:** January 28, 2025, 12:41:28 PM »

Quote from: Tropical Sunshine on January 28, 2025, 12:40:45 PM

I have used PP in most of my online transactions and don’t plan to ditch it anytime soon. I don’t have Venmo or Zelle (yet). If a vendor gives me the option to use cc or PP, I would pick PP the majority of the time. Call me old fashioned if you will, but I go by the mantra: If it ain’t broke don’t fix it! And besides, PP is just frikking easy to use, a straight forward way of making online purchases…

Exactly

spaugh · « **Reply #19 on:** January 28, 2025, 12:41:52 PM »

Quote from: Bush2Beach on January 28, 2025, 01:36:10 AM

I am in the same boat ( Paypal, cash or money order/cashiers check). As much as personal privacy has gone out the window , I want to hang onto whatever little shreds I can.

Quote from: spaugh on January 27, 2025, 11:50:10 PM
Oh no its legit venmo. Thats how it works with venmo. Its not a scam. You just have to setup a venmo account to get the money. Anyway I sent the guy his money back and closed my venmo account.

He can use paypal if he wants to pay ne or send me a check or cash.

Smart

dm · « **Reply #20 on:** January 28, 2025, 01:03:40 PM »

What kind of messed app would allow people to send money to people without an account? That's scummy. So the sender's money is held hostage? Maybe it's by design, forcing you to sign up for an account you don't want, hoping you will keep using it. The are owned by PayPal, which have also done scummy things. I don't like PayPal, but they are a necessary evil. They also own Honey, which are being sued for stealing commissions:

https://www.youtube.com/watch?v=vc4yL3YTwWk

K-Rimes · « **Reply #21 on:** January 28, 2025, 01:24:11 PM »

I organize events and accept several hundred entry fees over the course of a few months. I desperately tried to keep PayPal as my only option, so that I could export the data for entry lists and such and keep it all in the same place...

Unfortunately it became impossible to do this anymore. The younger folks in the DH skate community were not accepting of PayPal, and I had to get with the times and start taking Venmo. It is really annoying for me, because I have to monitor and account for a totally separate stream of money. At the end of the day, if I wanted their entry fee money and their attendance at the event, I had to accept Venmo. I got used to it. It's fine. I just make all transactions private. It's supposed to be some silly sort of "social media" payment site or something, idk, I don't care if you paid your gf back for dinner honestly but thanks for sharing?

As a buyer / payer, I pretty well flat out refuse to use Venmo unless I am in direct contact with the person and there is some physically way for me to encounter them later. Buying car parts off FB Marketplate? Not happening. Buying plants from a known grower? Sure, that's fine.

As for Zelle, the interface sucks, but the convenience is pretty good. If you're both on Chase or subsidiaries, it's pretty easy. As I understand Zelle has some buyer protection, as does PayPal for goods/services, and then Venmo? Nada. Good luck. Send the money to the wrong phone number and you're at the whim of that person to be nice to send it back.

Bush2Beach · « **Reply #22 on:** January 29, 2025, 01:20:48 AM »

Zelle is owned by the 7 largest banks.

slopat · « **Reply #23 on:** January 29, 2025, 11:41:26 AM »

Zelle made the news last month too :
https://www.cbsnews.com/news/zelle-fraud-chase-bank-of-america-wells-fargo-cfpb-payments/

Quote from: Jaboticaba45 on January 28, 2025, 11:10:48 AM

Venmo is no go as there is no purchase protection.
Purchase protection on paypal is pretty nice if you're doing business with someone new.

Zelle is always nice too

seng · « **Reply #24 on:** January 29, 2025, 02:25:58 PM »

Amazon used to accept Venmo, but not anymore.
Ebay accepts Venmo.

I also have Venmo. When people sends me money, the money stays in Venmo. I then use those money to buy stuffs. So when I'm out of Venmo money, I stop buying stuffs. This is my way to watch my spending. Spend only what you have.

News:

Author Topic: Venmo, zelle Paypal? (Read 1677 times)