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<span>Products</span> </div> </a> <button aria-controls="toc-Products-sublist" class="cdx-button cdx-button--weight-quiet cdx-button--icon-only vector-toc-toggle"> <span class="vector-icon mw-ui-icon-wikimedia-expand"></span> <span>Toggle Products subsection</span> </button> <ul id="toc-Products-sublist" class="vector-toc-list"> <li id="toc-Venmo_MasterCard" class="vector-toc-list-item vector-toc-level-2"> <a class="vector-toc-link" href="#Venmo_MasterCard"> <div class="vector-toc-text"> <span class="vector-toc-numb">2.1</span> <span>Venmo MasterCard</span> </div> </a> <ul id="toc-Venmo_MasterCard-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Social_component_and_privacy" class="vector-toc-list-item vector-toc-level-2"> <a class="vector-toc-link" href="#Social_component_and_privacy"> <div class="vector-toc-text"> <span class="vector-toc-numb">2.2</span> <span>Social component and privacy</span> </div> </a> <ul id="toc-Social_component_and_privacy-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Security" class="vector-toc-list-item vector-toc-level-2"> <a class="vector-toc-link" href="#Security"> <div class="vector-toc-text"> <span class="vector-toc-numb">2.3</span> <span>Security</span> </div> </a> <ul id="toc-Security-sublist" class="vector-toc-list"> </ul> </li> </ul> </li> <li id="toc-Criticism_and_controversies" class="vector-toc-list-item vector-toc-level-1 vector-toc-list-item-expanded"> <a class="vector-toc-link" href="#Criticism_and_controversies"> <div class="vector-toc-text"> <span class="vector-toc-numb">3</span> <span>Criticism and controversies</span> </div> </a> <button aria-controls="toc-Criticism_and_controversies-sublist" class="cdx-button cdx-button--weight-quiet cdx-button--icon-only vector-toc-toggle"> <span class="vector-icon mw-ui-icon-wikimedia-expand"></span> <span>Toggle Criticism and controversies subsection</span> </button> <ul id="toc-Criticism_and_controversies-sublist" class="vector-toc-list"> <li id="toc-Privacy_concerns" class="vector-toc-list-item vector-toc-level-2"> <a class="vector-toc-link" href="#Privacy_concerns"> <div class="vector-toc-text"> <span class="vector-toc-numb">3.1</span> <span>Privacy concerns</span> </div> </a> <ul id="toc-Privacy_concerns-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Consumer_Financial_Protection_Bureau_probe" class="vector-toc-list-item vector-toc-level-2"> <a class="vector-toc-link" href="#Consumer_Financial_Protection_Bureau_probe"> <div class="vector-toc-text"> <span class="vector-toc-numb">3.2</span> <span>Consumer Financial Protection Bureau probe</span> </div> </a> <ul id="toc-Consumer_Financial_Protection_Bureau_probe-sublist" class="vector-toc-list"> </ul> </li> </ul> </li> <li id="toc-References" class="vector-toc-list-item vector-toc-level-1 vector-toc-list-item-expanded"> <a class="vector-toc-link" href="#References"> <div class="vector-toc-text"> <span class="vector-toc-numb">4</span> <span>References</span> </div> </a> <ul id="toc-References-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-External_links" class="vector-toc-list-item vector-toc-level-1 vector-toc-list-item-expanded"> <a class="vector-toc-link" href="#External_links"> <div class="vector-toc-text"> <span class="vector-toc-numb">5</span> <span>External links</span> </div> </a> <ul id="toc-External_links-sublist" class="vector-toc-list"> </ul> </li> </ul> </div> </div> </nav> </div> </div> <div class="mw-content-container"> <main id="content" class="mw-body"> <header class="mw-body-header vector-page-titlebar"> <nav aria-label="Contents" class="vector-toc-landmark"> <div id="vector-page-titlebar-toc" class="vector-dropdown vector-page-titlebar-toc vector-button-flush-left" > <input type="checkbox" id="vector-page-titlebar-toc-checkbox" role="button" aria-haspopup="true" data-event-name="ui.dropdown-vector-page-titlebar-toc" class="vector-dropdown-checkbox " aria-label="Toggle the table of contents" > <label id="vector-page-titlebar-toc-label" for="vector-page-titlebar-toc-checkbox" class="vector-dropdown-label cdx-button cdx-button--fake-button cdx-button--fake-button--enabled cdx-button--weight-quiet cdx-button--icon-only " aria-hidden="true" ><span class="vector-icon mw-ui-icon-listBullet mw-ui-icon-wikimedia-listBullet"></span> <span class="vector-dropdown-label-text">Toggle the table of contents</span> </label> <div class="vector-dropdown-content"> <div id="vector-page-titlebar-toc-unpinned-container" class="vector-unpinned-container"> </div> </div> </div> </nav> <h1 id="firstHeading" class="firstHeading mw-first-heading"><span class="mw-page-title-main">Venmo</span></h1> <div id="p-lang-btn" class="vector-dropdown mw-portlet mw-portlet-lang" > <input type="checkbox" id="p-lang-btn-checkbox" role="button" aria-haspopup="true" data-event-name="ui.dropdown-p-lang-btn" class="vector-dropdown-checkbox mw-interlanguage-selector" aria-label="Go to an article in another language. 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title="Venmo – German" lang="de" hreflang="de" data-title="Venmo" data-language-autonym="Deutsch" data-language-local-name="German" class="interlanguage-link-target"><span>Deutsch</span></a></li><li class="interlanguage-link interwiki-es mw-list-item"><a href="https://es.wikipedia.org/wiki/Venmo" title="Venmo – Spanish" lang="es" hreflang="es" data-title="Venmo" data-language-autonym="Español" data-language-local-name="Spanish" class="interlanguage-link-target"><span>Español</span></a></li><li class="interlanguage-link interwiki-eu mw-list-item"><a href="https://eu.wikipedia.org/wiki/Venmo" title="Venmo – Basque" lang="eu" hreflang="eu" data-title="Venmo" data-language-autonym="Euskara" data-language-local-name="Basque" class="interlanguage-link-target"><span>Euskara</span></a></li><li class="interlanguage-link interwiki-fa mw-list-item"><a href="https://fa.wikipedia.org/wiki/%D9%88%D9%86%D9%85%D9%88" title="ونمو – Persian" lang="fa" hreflang="fa" data-title="ونمو" data-language-autonym="فارسی" data-language-local-name="Persian" class="interlanguage-link-target"><span>فارسی</span></a></li><li class="interlanguage-link interwiki-fr mw-list-item"><a href="https://fr.wikipedia.org/wiki/Venmo" title="Venmo – French" lang="fr" hreflang="fr" data-title="Venmo" data-language-autonym="Français" data-language-local-name="French" class="interlanguage-link-target"><span>Français</span></a></li><li class="interlanguage-link interwiki-pt mw-list-item"><a href="https://pt.wikipedia.org/wiki/Venmo" title="Venmo – Portuguese" lang="pt" hreflang="pt" data-title="Venmo" data-language-autonym="Português" data-language-local-name="Portuguese" class="interlanguage-link-target"><span>Português</span></a></li><li class="interlanguage-link interwiki-sr mw-list-item"><a href="https://sr.wikipedia.org/wiki/Venmo" title="Venmo – Serbian" lang="sr" hreflang="sr" data-title="Venmo" data-language-autonym="Српски / srpski" data-language-local-name="Serbian" class="interlanguage-link-target"><span>Српски / srpski</span></a></li><li class="interlanguage-link interwiki-tr mw-list-item"><a href="https://tr.wikipedia.org/wiki/Venmo" title="Venmo – Turkish" lang="tr" hreflang="tr" data-title="Venmo" data-language-autonym="Türkçe" data-language-local-name="Turkish" class="interlanguage-link-target"><span>Türkçe</span></a></li><li class="interlanguage-link interwiki-zh mw-list-item"><a href="https://zh.wikipedia.org/wiki/Venmo" title="Venmo – Chinese" lang="zh" hreflang="zh" data-title="Venmo" data-language-autonym="中文" data-language-local-name="Chinese" class="interlanguage-link-target"><span>中文</span></a></li> </ul> <div class="after-portlet after-portlet-lang"><span class="wb-langlinks-edit wb-langlinks-link"><a href="https://www.wikidata.org/wiki/Special:EntityPage/Q24839341#sitelinks-wikipedia" title="Edit interlanguage links" class="wbc-editpage">Edit links</a></span></div> </div> </div> </div> </header> <div class="vector-page-toolbar"> 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.infobox-subbox{padding:0;border:none;margin:-3px;width:auto;min-width:100%;font-size:100%;clear:none;float:none;background-color:transparent}.mw-parser-output .infobox-3cols-child{margin:auto}.mw-parser-output .infobox .navbar{font-size:100%}@media screen{html.skin-theme-clientpref-night .mw-parser-output .infobox-full-data:not(.notheme)>div:not(.notheme)[style]{background:#1f1f23!important;color:#f8f9fa}}@media screen and (prefers-color-scheme:dark){html.skin-theme-clientpref-os .mw-parser-output .infobox-full-data:not(.notheme) div:not(.notheme){background:#1f1f23!important;color:#f8f9fa}}@media(min-width:640px){body.skin--responsive .mw-parser-output .infobox-table{display:table!important}body.skin--responsive .mw-parser-output .infobox-table>caption{display:table-caption!important}body.skin--responsive .mw-parser-output .infobox-table>tbody{display:table-row-group}body.skin--responsive .mw-parser-output .infobox-table tr{display:table-row!important}body.skin--responsive .mw-parser-output .infobox-table th,body.skin--responsive .mw-parser-output .infobox-table td{padding-left:inherit;padding-right:inherit}}</style><table class="infobox vevent"><caption class="infobox-title summary">Venmo</caption><tbody><tr><td colspan="2" class="infobox-image logo"><span typeof="mw:File"><a href="/wiki/File:Venmo_Logo.svg" class="mw-file-description"><img src="//upload.wikimedia.org/wikipedia/commons/thumb/4/45/Venmo_Logo.svg/200px-Venmo_Logo.svg.png" decoding="async" width="200" height="37" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/commons/thumb/4/45/Venmo_Logo.svg/300px-Venmo_Logo.svg.png 1.5x, //upload.wikimedia.org/wikipedia/commons/thumb/4/45/Venmo_Logo.svg/400px-Venmo_Logo.svg.png 2x" data-file-width="689" data-file-height="127" /></a></span></td></tr><tr><th scope="row" class="infobox-label" style="white-space: nowrap;"><a href="/wiki/Programmer" title="Programmer">Original author(s)</a></th><td class="infobox-data"><style data-mw-deduplicate="TemplateStyles:r1126788409">.mw-parser-output .plainlist ol,.mw-parser-output .plainlist ul{line-height:inherit;list-style:none;margin:0;padding:0}.mw-parser-output .plainlist ol li,.mw-parser-output .plainlist ul li{margin-bottom:0}</style><div class="plainlist"><ul><li>Andrew Kortina</li><li>Iqram Magdon-Ismail</li></ul></div></td></tr><tr><th scope="row" class="infobox-label" style="white-space: nowrap;"><a href="/wiki/Programmer" title="Programmer">Developer(s)</a></th><td class="infobox-data">Venmo, LLC (subsidiary of <a href="/wiki/PayPal" title="PayPal">PayPal</a>)</td></tr><tr><th scope="row" class="infobox-label" style="white-space: nowrap;">Initial release</th><td class="infobox-data">2009<span class="noprint">; 15 years ago</span><span style="display:none"> (<span class="bday dtstart published updated">2009</span>)</span></td></tr><tr><th scope="row" class="infobox-label" style="white-space: nowrap;"><a href="/wiki/Operating_system" title="Operating system">Operating system</a></th><td class="infobox-data"><a href="/wiki/Android_(operating_system)" title="Android (operating system)">Android</a>, <a href="/wiki/IOS" title="IOS">iOS</a></td></tr><tr><th scope="row" class="infobox-label" style="white-space: nowrap;">Available in</th><td class="infobox-data">English</td></tr><tr><th scope="row" class="infobox-label" style="white-space: nowrap;">Website</th><td class="infobox-data"><span class="url"><a rel="nofollow" class="external text" href="https://venmo.com/">venmo<wbr />.com</a></span></td></tr></tbody></table> <p><b>Venmo</b> is an American <a href="/wiki/Mobile_payment" title="Mobile payment">mobile payment</a> service founded in 2009 and owned by <a href="/wiki/PayPal" title="PayPal">PayPal</a> since 2013. Venmo is aimed at users who wish to split their bills. Account holders can transfer funds to others via a mobile phone app; both the sender and receiver must live in the United States. Venmo also operates as a small social network, as users can observe other users' public transactions with posts and emoticons.<sup id="cite_ref-1" class="reference"><a href="#cite_note-1"><span class="cite-bracket">[</span>1<span class="cite-bracket">]</span></a></sup> In 2021, the company handled $230 billion in transactions and generated $850 million in revenue.<sup id="cite_ref-2" class="reference"><a href="#cite_note-2"><span class="cite-bracket">[</span>2<span class="cite-bracket">]</span></a></sup> Users can view transactions on the Venmo website but cannot complete transactions on the website.<sup id="cite_ref-3" class="reference"><a href="#cite_note-3"><span class="cite-bracket">[</span>3<span class="cite-bracket">]</span></a></sup> </p><p>By default, Venmo publishes every peer-to-peer transaction (excluding the amount), a feature shown by researchers to reveal sensitive details about users' lives in some situations.<sup id="cite_ref-:0_4-0" class="reference"><a href="#cite_note-:0-4"><span class="cite-bracket">[</span>4<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-:2_5-0" class="reference"><a href="#cite_note-:2-5"><span class="cite-bracket">[</span>5<span class="cite-bracket">]</span></a></sup> In 2018, the company settled with the <a href="/wiki/Federal_Trade_Commission" title="Federal Trade Commission">Federal Trade Commission</a> (FTC) about several privacy and security violations related to this and other features, and made changes to the corresponding settings. However, Venmo continued to attract criticism for exposing users to possible privacy risks.<sup id="cite_ref-:2_5-1" class="reference"><a href="#cite_note-:2-5"><span class="cite-bracket">[</span>5<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-:0_4-1" class="reference"><a href="#cite_note-:0-4"><span class="cite-bracket">[</span>4<span class="cite-bracket">]</span></a></sup> </p> <meta property="mw:PageProp/toc" /> <div class="mw-heading mw-heading2"><h2 id="History">History</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Venmo&action=edit&section=1" title="Edit section: History"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <figure class="mw-default-size" typeof="mw:File/Thumb"><a href="/wiki/File:Pay_with_venmo.png" class="mw-file-description"><img src="//upload.wikimedia.org/wikipedia/commons/thumb/2/28/Pay_with_venmo.png/220px-Pay_with_venmo.png" decoding="async" width="220" height="165" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/commons/thumb/2/28/Pay_with_venmo.png/330px-Pay_with_venmo.png 1.5x, //upload.wikimedia.org/wikipedia/commons/thumb/2/28/Pay_with_venmo.png/440px-Pay_with_venmo.png 2x" data-file-width="700" data-file-height="525" /></a><figcaption>Venmo quarterly US payment volume and annual growth</figcaption></figure> <p>Venmo was founded by Andrew Kortina and Iqram Magdon-Ismail, who met as freshman roommates at the <a href="/wiki/University_of_Pennsylvania" title="University of Pennsylvania">University of Pennsylvania</a>. According to Kortina, the duo were initially inspired to create a transaction solution while, in the process of helping start a friend's yogurt shop, they "realized how horrible traditional <a href="/wiki/Point_of_sale" title="Point of sale">point of sales</a> software was". At a local jazz show, Kortina and Magdon-Ismail conceived the idea of instantly buying an <a href="/wiki/Instant_Live" title="Instant Live">MP3 of the show</a> via <a href="/wiki/SMS" title="SMS">text message</a>. Finally, the idea was cemented when Magdon-Ismail forgot his wallet during a trip to visit Kortina. The process of settling their debt was a considerable inconvenience, especially compared to the possibility of mobile phone-based transactions. Shortly after, they began working on a way to send money through mobile phones.<sup id="cite_ref-6" class="reference"><a href="#cite_note-6"><span class="cite-bracket">[</span>6<span class="cite-bracket">]</span></a></sup> Their original prototype sent money through text messages, but they eventually transitioned from text messages to a smartphone app.<sup id="cite_ref-losers_7-0" class="reference"><a href="#cite_note-losers-7"><span class="cite-bracket">[</span>7<span class="cite-bracket">]</span></a></sup> In fact, according to Kortina, the name Venmo came from the word <i>vendere</i>, Latin for “to sell,” and “Mo,” short for “mobile”; they wanted a name that was snappy and could be spelled easily.<sup id="cite_ref-8" class="reference"><a href="#cite_note-8"><span class="cite-bracket">[</span>8<span class="cite-bracket">]</span></a></sup> </p><p>In May 2010, the company raised $1.2 million of <a href="/wiki/Seed_money" title="Seed money">seed money</a> in a financing round led by <a href="/wiki/RRE_Ventures" title="RRE Ventures">RRE Ventures</a>.<sup id="cite_ref-9" class="reference"><a href="#cite_note-9"><span class="cite-bracket">[</span>9<span class="cite-bracket">]</span></a></sup> </p><p>In 2012, the company was acquired by <a href="/wiki/Braintree_(company)" title="Braintree (company)">Braintree</a> for $26.2 million.<sup id="cite_ref-10" class="reference"><a href="#cite_note-10"><span class="cite-bracket">[</span>10<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-11" class="reference"><a href="#cite_note-11"><span class="cite-bracket">[</span>11<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-12" class="reference"><a href="#cite_note-12"><span class="cite-bracket">[</span>12<span class="cite-bracket">]</span></a></sup> </p><p>In December 2013, <a href="/wiki/PayPal" title="PayPal">PayPal</a> acquired Braintree for $800 million.<sup id="cite_ref-13" class="reference"><a href="#cite_note-13"><span class="cite-bracket">[</span>13<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-losers_7-1" class="reference"><a href="#cite_note-losers-7"><span class="cite-bracket">[</span>7<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-14" class="reference"><a href="#cite_note-14"><span class="cite-bracket">[</span>14<span class="cite-bracket">]</span></a></sup> </p><p>Prior to October 2015, Venmo prohibited <a href="/wiki/Consumer-to-business" title="Consumer-to-business">consumer-to-business</a> transactions on the platform.<sup class="noprint Inline-Template Template-Fact" style="white-space:nowrap;">[<i><a href="/wiki/Wikipedia:Citation_needed" title="Wikipedia:Citation needed"><span title="This claim needs references to reliable sources. (May 2021)">citation needed</span></a></i>]</sup> </p><p>On January 27, 2016, PayPal announced that Venmo was working with select merchants who would accept Venmo as payment. Initial launch partners included <a href="/wiki/Munchery" title="Munchery">Munchery</a> and <a href="/wiki/Gametime" title="Gametime">Gametime</a>.<sup id="cite_ref-Fortune_15-0" class="reference"><a href="#cite_note-Fortune-15"><span class="cite-bracket">[</span>15<span class="cite-bracket">]</span></a></sup> All merchants that accept PayPal can now accept Venmo.<sup id="cite_ref-16" class="reference"><a href="#cite_note-16"><span class="cite-bracket">[</span>16<span class="cite-bracket">]</span></a></sup> As of May 2018, Venmo's merchant product did not permit "selling goods or services in person";<sup id="cite_ref-17" class="reference"><a href="#cite_note-17"><span class="cite-bracket">[</span>17<span class="cite-bracket">]</span></a></sup> however, research into mobile payment trends among mom-and-pop restaurants in <a href="/wiki/New_York_City" title="New York City">New York City</a> that month revealed a grey market use case in which some Chinese takeouts and food trucks used personal Venmo <a href="/wiki/QR_code" title="QR code">QR codes</a> to accept payments from customers. This QR payment behavior was similar to that used via Chinese mobile applications <a href="/wiki/WeChat" title="WeChat">WeChat</a> and <a href="/wiki/Alipay" title="Alipay">Alipay</a> within these same establishments.<sup id="cite_ref-18" class="reference"><a href="#cite_note-18"><span class="cite-bracket">[</span>18<span class="cite-bracket">]</span></a></sup> </p><p>In October 2020, PayPal announced that Venmo along with PayPal services will allow users to purchase and use <a href="/wiki/Cryptocurrency" title="Cryptocurrency">cryptocurrencies</a> such as <a href="/wiki/Bitcoin" title="Bitcoin">bitcoin</a>, <a href="/wiki/Bitcoin_Cash" title="Bitcoin Cash">Bitcoin Cash</a>, <a href="/wiki/Ethereum" title="Ethereum">Ethereum</a>, and <a href="/wiki/Litecoin" title="Litecoin">Litecoin</a> in select foreign markets starting in the first half of 2021.<sup id="cite_ref-Reuters_2020-10-21_19-0" class="reference"><a href="#cite_note-Reuters_2020-10-21-19"><span class="cite-bracket">[</span>19<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-The_Verge_2020-10-21_20-0" class="reference"><a href="#cite_note-The_Verge_2020-10-21-20"><span class="cite-bracket">[</span>20<span class="cite-bracket">]</span></a></sup> </p><p>On April 20, 2021, Venmo announced that it was beginning its roll out for the ability to buy, hold, and sell cryptocurrencies using the platform.<sup id="cite_ref-TechCrunch_2021-04-20_21-0" class="reference"><a href="#cite_note-TechCrunch_2021-04-20-21"><span class="cite-bracket">[</span>21<span class="cite-bracket">]</span></a></sup> However, only selected users had access to the feature, and it was estimated that the cryptocurrency transfers would become available for the whole userbase only in May 2021.<sup id="cite_ref-22" class="reference"><a href="#cite_note-22"><span class="cite-bracket">[</span>22<span class="cite-bracket">]</span></a></sup> </p> <div class="mw-heading mw-heading2"><h2 id="Products">Products</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Venmo&action=edit&section=2" title="Edit section: Products"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>Users can create an account via a <a href="/wiki/Mobile_app" title="Mobile app">mobile app</a> or <a href="/wiki/Website" title="Website">website</a> and provide basic information and bank account information. One must have a valid email address and a US mobile phone number to use Venmo. Recipients of transactions can be found via phone number, Venmo username, or email. </p><p>Users have a Venmo balance that is used for their transactions. They can link their <a href="/wiki/Bank_account" title="Bank account">bank accounts</a>, <a href="/wiki/Debit_card" title="Debit card">debit cards</a>, or <a href="/wiki/Credit_card" title="Credit card">credit cards</a>, to their Venmo account; alternatively users can order a Venmo MasterCard and pay through it.<sup id="cite_ref-auto_23-0" class="reference"><a href="#cite_note-auto-23"><span class="cite-bracket">[</span>23<span class="cite-bracket">]</span></a></sup> Paying with a bank account or debit card is free, but payments via credit card have a 3% fee for each transaction.<sup id="cite_ref-24" class="reference"><a href="#cite_note-24"><span class="cite-bracket">[</span>24<span class="cite-bracket">]</span></a></sup> Some credit card providers may charge cash advance fees for Venmo payments.<sup id="cite_ref-25" class="reference"><a href="#cite_note-25"><span class="cite-bracket">[</span>25<span class="cite-bracket">]</span></a></sup> If a user does not have enough funds in the account when making a transaction, it will automatically withdraw the necessary funds from the registered bank account or card. </p><p>When users first create an account, total transactions may not exceed $299.99 until the user's identity is verified.<sup id="cite_ref-26" class="reference"><a href="#cite_note-26"><span class="cite-bracket">[</span>26<span class="cite-bracket">]</span></a></sup> After the identity has been verified, users may send up to $2,999.99 in each seven day period.<sup id="cite_ref-27" class="reference"><a href="#cite_note-27"><span class="cite-bracket">[</span>27<span class="cite-bracket">]</span></a></sup> </p><p>Since 2008, cash transfers using Venmo have not been <a href="/wiki/Instant_payment" title="Instant payment">instantaneous</a> and could be canceled after an initial transfer is sent. Like traditional <a href="/wiki/Wire_transfer" title="Wire transfer">wire transfers</a>, they can take one to three business days to become final. </p><p>In January 2018,<sup id="cite_ref-28" class="reference"><a href="#cite_note-28"><span class="cite-bracket">[</span>28<span class="cite-bracket">]</span></a></sup> PayPal rolled out an <a href="/wiki/Instant_payment" title="Instant payment">instant transfer</a> feature on Venmo, allowing users to deposit funds to their debit cards typically within 30 minutes. A fee is deducted from the amount for each transfer; 1% or $10, whichever is less. The standard bank transfer (typically completed within three business days) is available for no fee.<sup id="cite_ref-29" class="reference"><a href="#cite_note-29"><span class="cite-bracket">[</span>29<span class="cite-bracket">]</span></a></sup> </p> <div class="mw-heading mw-heading3"><h3 id="Venmo_MasterCard">Venmo MasterCard</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Venmo&action=edit&section=3" title="Edit section: Venmo MasterCard"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>In 2018, Venmo released a new physical debit card available for users.<sup id="cite_ref-30" class="reference"><a href="#cite_note-30"><span class="cite-bracket">[</span>30<span class="cite-bracket">]</span></a></sup> The card runs on the <a href="/wiki/MasterCard" class="mw-redirect" title="MasterCard">MasterCard</a> network and offers <a href="/wiki/Automated_teller_machine" class="mw-redirect" title="Automated teller machine">ATM</a> access and overdraft protection. It can be used anywhere that accepts MasterCard, and it enables up to $400 in daily ATM withdrawals, though transactions at non-<a href="/wiki/MoneyPass" title="MoneyPass">MoneyPass</a> ATMs come with at least $2.50 in withdrawal fees.<sup id="cite_ref-auto_23-1" class="reference"><a href="#cite_note-auto-23"><span class="cite-bracket">[</span>23<span class="cite-bracket">]</span></a></sup> </p><p>In addition, the service offers a reload function, which, when enabled, takes money from a user's linked checking account in $10 increments if their Venmo balance drops too low to cover a purchase. Customers could be subject to fees or other consequences from their bank if they overdraft that account.<sup id="cite_ref-auto_23-2" class="reference"><a href="#cite_note-auto-23"><span class="cite-bracket">[</span>23<span class="cite-bracket">]</span></a></sup> Card purchases show up in a user's Venmo transaction history, and the card can be canceled from within the app.<sup id="cite_ref-31" class="reference"><a href="#cite_note-31"><span class="cite-bracket">[</span>31<span class="cite-bracket">]</span></a></sup> These features make the card similar to a traditional bank debit card, but adds the ability to directly track spending in-app.<sup id="cite_ref-auto_23-3" class="reference"><a href="#cite_note-auto-23"><span class="cite-bracket">[</span>23<span class="cite-bracket">]</span></a></sup> </p> <div class="mw-heading mw-heading3"><h3 id="Social_component_and_privacy">Social component and privacy</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Venmo&action=edit&section=4" title="Edit section: Social component and privacy"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <figure class="mw-default-size mw-halign-right" typeof="mw:File/Thumb"><a href="/wiki/File:Venmo_payment_newsfeed.jpg" class="mw-file-description"><img src="//upload.wikimedia.org/wikipedia/en/thumb/4/4f/Venmo_payment_newsfeed.jpg/220px-Venmo_payment_newsfeed.jpg" decoding="async" width="220" height="380" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/en/4/4f/Venmo_payment_newsfeed.jpg 1.5x" data-file-width="240" data-file-height="414" /></a><figcaption>Social feed of transactions on Venmo<sup id="cite_ref-32" class="reference"><a href="#cite_note-32"><span class="cite-bracket">[</span>32<span class="cite-bracket">]</span></a></sup></figcaption></figure> <p>Venmo includes <a href="/wiki/Social_network" title="Social network">social networking</a> interaction; it was created so friends could quickly split bills, such as for movies, dinner, rent, or tickets. When a user makes a payment, the transaction details (excluding the payment amount) can be "shared", either publicly or with the user's network of friends, on the user's "news feed", like a social media feed.<sup id="cite_ref-Duke_33-0" class="reference"><a href="#cite_note-Duke-33"><span class="cite-bracket">[</span>33<span class="cite-bracket">]</span></a></sup> </p><p>Venmo publishes a "world wide" public feed, a "friends only" feed, and a personal feed. By default, all Venmo transactions are shared publicly. Anyone who opens the app to the public feed, including those who do not use Venmo, can see these publicly shared transactions.<sup id="cite_ref-34" class="reference"><a href="#cite_note-34"><span class="cite-bracket">[</span>34<span class="cite-bracket">]</span></a></sup> The user can make transactions private, but most users keep the default privacy settings.<sup id="cite_ref-Quartz_35-0" class="reference"><a href="#cite_note-Quartz-35"><span class="cite-bracket">[</span>35<span class="cite-bracket">]</span></a></sup> Venmo encourages social interaction on the application through comments<sup id="cite_ref-36" class="reference"><a href="#cite_note-36"><span class="cite-bracket">[</span>36<span class="cite-bracket">]</span></a></sup> using jokes, <a href="/wiki/Emoji" title="Emoji">emojis</a>, or likes. </p><p>Early on, Venmo required new users to sign up through <a href="/wiki/Facebook" title="Facebook">Facebook</a>, which made it easy to find peers the user wanted to pay and provided Venmo with free marketing.<sup id="cite_ref-37" class="reference"><a href="#cite_note-37"><span class="cite-bracket">[</span>37<span class="cite-bracket">]</span></a></sup> For users not friends on Facebook, the application allowed searching by username and phone number. Profiles are personalized with profile pictures, usernames, and Venmo transaction history. Venmo provides no protection for buyer or seller.<sup id="cite_ref-security_38-0" class="reference"><a href="#cite_note-security-38"><span class="cite-bracket">[</span>38<span class="cite-bracket">]</span></a></sup> </p><p>On November 14, 2023, Venmo introduced a feature called Venmo Groups which implemented bill-splitting within the app,<sup id="cite_ref-39" class="reference"><a href="#cite_note-39"><span class="cite-bracket">[</span>39<span class="cite-bracket">]</span></a></sup> competing with related expense-sharing apps such as <a href="/wiki/Splitwise" title="Splitwise">Splitwise</a>.<sup id="cite_ref-40" class="reference"><a href="#cite_note-40"><span class="cite-bracket">[</span>40<span class="cite-bracket">]</span></a></sup> <sup class="noprint Inline-Template" style="margin-left:0.1em; white-space:nowrap;">[<i><a href="/wiki/Wikipedia:Please_clarify" title="Wikipedia:Please clarify"><span title="Inconstant (October 2024)">clarification needed</span></a> : The beginning of this section said that splitting bills was the original purpose of Venmo. Why was this feature not introduced until 2024?</i>]</sup> </p> <div class="mw-heading mw-heading3"><h3 id="Security">Security</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Venmo&action=edit&section=5" title="Edit section: Security"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>Venmo has claimed that its security is "bank-grade".<sup id="cite_ref-41" class="reference"><a href="#cite_note-41"><span class="cite-bracket">[</span>41<span class="cite-bracket">]</span></a></sup> However, journalists, security researchers, the <a href="/wiki/California_Department_of_Financial_Protection_and_Innovation" title="California Department of Financial Protection and Innovation">California Department of Business Oversight</a> (DBO) and the <a href="/wiki/Federal_Trade_Commission" title="Federal Trade Commission">Federal Trade Commission</a> have all disputed this claim.<sup id="cite_ref-42" class="reference"><a href="#cite_note-42"><span class="cite-bracket">[</span>42<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-43" class="reference"><a href="#cite_note-43"><span class="cite-bracket">[</span>43<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-44" class="reference"><a href="#cite_note-44"><span class="cite-bracket">[</span>44<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-accidentally_2018_07_12_wsj_com_45-0" class="reference"><a href="#cite_note-accidentally_2018_07_12_wsj_com-45"><span class="cite-bracket">[</span>45<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-getting_money_back_2019_06_26_npr_org_46-0" class="reference"><a href="#cite_note-getting_money_back_2019_06_26_npr_org-46"><span class="cite-bracket">[</span>46<span class="cite-bracket">]</span></a></sup> </p><p>In February 2018, the FTC settled with Venmo, after an investigation uncovered false representations about "bank-grade" security and failures to comply with the <a href="/wiki/Gramm%E2%80%93Leach%E2%80%93Bliley_Act" title="Gramm–Leach–Bliley Act">Gramm-Leach-Bliley</a> Safeguards Rule and Privacy Rule.<sup id="cite_ref-47" class="reference"><a href="#cite_note-47"><span class="cite-bracket">[</span>47<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-48" class="reference"><a href="#cite_note-48"><span class="cite-bracket">[</span>48<span class="cite-bracket">]</span></a></sup> Under the settlement, Venmo would be required to undergo third-party audits every two years for the following ten years. The FTC also complained that Venmo "misled consumers about the extent to which they could control the privacy of their transactions" and misrepresented the availability of funds for withdrawal.<sup id="cite_ref-49" class="reference"><a href="#cite_note-49"><span class="cite-bracket">[</span>49<span class="cite-bracket">]</span></a></sup> </p><p>Venmo states that customers need not worry about their security or privacy, and encourages users to set up a <a href="/wiki/Personal_identification_number" title="Personal identification number">PIN</a> to increase security.<sup id="cite_ref-50" class="reference"><a href="#cite_note-50"><span class="cite-bracket">[</span>50<span class="cite-bracket">]</span></a></sup> On July 17, 2018, <i><a href="/wiki/The_Guardian" title="The Guardian">The Guardian</a></i><sup id="cite_ref-51" class="reference"><a href="#cite_note-51"><span class="cite-bracket">[</span>51<span class="cite-bracket">]</span></a></sup> published an article showing that Venmo is insecure because privacy protection is not set by default. According to the researcher who found this privacy issue, Venmo publishes all transactions along with names openly into the <a href="/wiki/World_Wide_Web" title="World Wide Web">World Wide Web</a>. </p><p>The <a href="/wiki/Better_Business_Bureau" title="Better Business Bureau">Better Business Bureau</a> has reported that some <a href="/wiki/Confidence_trick" class="mw-redirect" title="Confidence trick">scammers</a> exploit the cancellation period to appear to pay, but ultimately avoid paying for an item.<sup id="cite_ref-52" class="reference"><a href="#cite_note-52"><span class="cite-bracket">[</span>52<span class="cite-bracket">]</span></a></sup> </p><p>In November 2018, <i><a href="/wiki/The_Wall_Street_Journal" title="The Wall Street Journal">The Wall Street Journal</a></i> reported that Venmo, in the first quarter of 2018, had suffered $40 million in operating losses, nearly 40% more than it had budgeted, due to "a wave of payments fraud".<sup id="cite_ref-53" class="reference"><a href="#cite_note-53"><span class="cite-bracket">[</span>53<span class="cite-bracket">]</span></a></sup> </p> <div class="mw-heading mw-heading2"><h2 id="Criticism_and_controversies">Criticism and controversies</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Venmo&action=edit&section=6" title="Edit section: Criticism and controversies"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <div class="mw-heading mw-heading3"><h3 id="Privacy_concerns">Privacy concerns</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Venmo&action=edit&section=7" title="Edit section: Privacy concerns"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>A 2018 study analyzed over 200 million public transactions and found that Venmo "reveals a massive amount of private details about users' lives by default".<sup id="cite_ref-:2_5-2" class="reference"><a href="#cite_note-:2-5"><span class="cite-bracket">[</span>5<span class="cite-bracket">]</span></a></sup> The same year, the company reached a settlement with the FTC after the FTC had accused Venmo of "misleading" users about the privacy settings changes required to make transactions completely private.<sup id="cite_ref-:2_5-3" class="reference"><a href="#cite_note-:2-5"><span class="cite-bracket">[</span>5<span class="cite-bracket">]</span></a></sup> In 2019, another researcher downloaded and analyzed seven million transactions, concluding that although Venmo had made some very minor to no improvements limiting mass-scraping, the data still put users at risk for various forms of <a href="/wiki/Cyberattack" title="Cyberattack">cyber attacks</a>.<sup id="cite_ref-54" class="reference"><a href="#cite_note-54"><span class="cite-bracket">[</span>54<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-:0_4-2" class="reference"><a href="#cite_note-:0-4"><span class="cite-bracket">[</span>4<span class="cite-bracket">]</span></a></sup> </p><p>In 2019, <a href="/wiki/Mozilla_Foundation" title="Mozilla Foundation">Mozilla</a> and the <a href="/wiki/Electronic_Frontier_Foundation" title="Electronic Frontier Foundation">Electronic Frontier Foundation</a> wrote an open letter "to express our deep concern about Venmo's disregard for the importance of user privacy, and to call on Venmo to make two critical changes to its privacy settings: make transactions private by default, and give users privacy settings for their friend lists".<sup id="cite_ref-:0_4-3" class="reference"><a href="#cite_note-:0-4"><span class="cite-bracket">[</span>4<span class="cite-bracket">]</span></a></sup> </p><p>Venmo's social model has attracted attention from researchers. A research group from University of Washington observed<sup class="noprint Inline-Template" style="white-space:nowrap;">[<i><a href="/wiki/Wikipedia:Manual_of_Style/Dates_and_numbers#Chronological_items" title="Wikipedia:Manual of Style/Dates and numbers"><span title="The time period mentioned near this tag is ambiguous. (May 2021)">when?</span></a></i>]</sup> that the social feed in Venmo differs from other social networks in that activity is driven by financial transactions. A user could make a trivial transaction to make a post (e.g., sending someone $0.01, or requesting $0.02), but only one participant in their studies reported ever doing this. Further, neither reading the feed nor sharing a transaction memo publicly or with friends is necessary to send or receive money.<sup class="noprint Inline-Template Template-Fact" style="white-space:nowrap;">[<i><a href="/wiki/Wikipedia:Citation_needed" title="Wikipedia:Citation needed"><span title="This claim needs references to reliable sources. (May 2021)">citation needed</span></a></i>]</sup> </p><p>On Venmo, people transact with both friends and businesses via the app. Analysis of public transactions identifies a spectrum of use patterns, from regular users who create transactions for a variety of expenses, to niche users who use Venmo with a small cluster of friends to pay for just a few things (e.g., bills among roommates).<sup id="cite_ref-55" class="reference"><a href="#cite_note-55"><span class="cite-bracket">[</span>55<span class="cite-bracket">]</span></a></sup> </p><p>A May 2021 investigation by <a href="/wiki/BuzzFeed_News" title="BuzzFeed News">BuzzFeed News</a> reportedly managed to find the Venmo account of <a href="/wiki/President_of_the_United_States" title="President of the United States">United States president</a> <a href="/wiki/Joe_Biden" title="Joe Biden">Joe Biden</a> after "less than 10 minutes of looking for it"; BuzzFeed News additionally states that the Venmo app "leaves everyone ... in the world exposed" and states that it reveals a major privacy concern.<sup id="cite_ref-56" class="reference"><a href="#cite_note-56"><span class="cite-bracket">[</span>56<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-57" class="reference"><a href="#cite_note-57"><span class="cite-bracket">[</span>57<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-58" class="reference"><a href="#cite_note-58"><span class="cite-bracket">[</span>58<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-59" class="reference"><a href="#cite_note-59"><span class="cite-bracket">[</span>59<span class="cite-bracket">]</span></a></sup> </p><p>In 2022, Dr. Rajat Tandon and Dr. Jelena Mirkovic from the <a href="/wiki/University_of_Southern_California" title="University of Southern California">University of Southern California</a>, along with their research collaborators, showcased that 2 in 5 Venmo users publicly reveal sensitive information. Their work, "I know what you did on Venmo: Discovering privacy leaks in mobile social payments",<sup id="cite_ref-60" class="reference"><a href="#cite_note-60"><span class="cite-bracket">[</span>60<span class="cite-bracket">]</span></a></sup> which presents multiple findings from 389 million public transaction Venmo notes, highlights serious risks from a public-by-default policy for mobile social payments. </p> <div class="mw-heading mw-heading3"><h3 id="Consumer_Financial_Protection_Bureau_probe">Consumer Financial Protection Bureau probe</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Venmo&action=edit&section=8" title="Edit section: Consumer Financial Protection Bureau probe"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>Venmo came under scrutiny from the <a href="/wiki/Consumer_Financial_Protection_Bureau" title="Consumer Financial Protection Bureau">Consumer Financial Protection Bureau</a> in 2021 over the company's treatment of their customers owing money for transactions. <a href="/wiki/PayPal" title="PayPal">PayPal</a>, the company operating Venmo's platform, announced through a <a href="/wiki/SEC_filing" title="SEC filing">regulatory filing</a> in February that it had received a <a href="/wiki/Civil_investigative_demand" title="Civil investigative demand">civil investigative demand</a> from the CFPB "related to Venmo's unauthorized funds transfers and collections processes, and related matters." Venmo has a history of using aggressive tactics to threaten debt-owing users, ranging from seizing the funds from the user's other PayPal accounts to sending <a href="/wiki/Debt_collection" title="Debt collection">debt collectors</a> after users. Customer service emails showed the company notifying users it could involve a collection agency over debts from $3,000 to as low as $7 in 2019, in some instances even when the customer in question had been scammed. Such practices continued during the <a href="/wiki/COVID-19_pandemic" title="COVID-19 pandemic">COVID-19 pandemic</a>.<sup id="cite_ref-61" class="reference"><a href="#cite_note-61"><span class="cite-bracket">[</span>61<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-62" class="reference"><a href="#cite_note-62"><span class="cite-bracket">[</span>62<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-63" class="reference"><a href="#cite_note-63"><span class="cite-bracket">[</span>63<span class="cite-bracket">]</span></a></sup> </p> <div class="mw-heading mw-heading2"><h2 id="References">References</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Venmo&action=edit&section=9" title="Edit section: References"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <style data-mw-deduplicate="TemplateStyles:r1239543626">.mw-parser-output .reflist{margin-bottom:0.5em;list-style-type:decimal}@media screen{.mw-parser-output .reflist{font-size:90%}}.mw-parser-output .reflist .references{font-size:100%;margin-bottom:0;list-style-type:inherit}.mw-parser-output .reflist-columns-2{column-width:30em}.mw-parser-output .reflist-columns-3{column-width:25em}.mw-parser-output .reflist-columns{margin-top:0.3em}.mw-parser-output .reflist-columns ol{margin-top:0}.mw-parser-output .reflist-columns li{page-break-inside:avoid;break-inside:avoid-column}.mw-parser-output .reflist-upper-alpha{list-style-type:upper-alpha}.mw-parser-output .reflist-upper-roman{list-style-type:upper-roman}.mw-parser-output .reflist-lower-alpha{list-style-type:lower-alpha}.mw-parser-output .reflist-lower-greek{list-style-type:lower-greek}.mw-parser-output .reflist-lower-roman{list-style-type:lower-roman}</style><div class="reflist"> <div class="mw-references-wrap mw-references-columns"><ol class="references"> <li id="cite_note-1"><span class="mw-cite-backlink"><b><a href="#cite_ref-1">^</a></b></span> <span class="reference-text"><style data-mw-deduplicate="TemplateStyles:r1238218222">.mw-parser-output cite.citation{font-style:inherit;word-wrap:break-word}.mw-parser-output .citation q{quotes:"\"""\"""'""'"}.mw-parser-output .citation:target{background-color:rgba(0,127,255,0.133)}.mw-parser-output .id-lock-free.id-lock-free a{background:url("//upload.wikimedia.org/wikipedia/commons/6/65/Lock-green.svg")right 0.1em center/9px no-repeat}.mw-parser-output .id-lock-limited.id-lock-limited a,.mw-parser-output .id-lock-registration.id-lock-registration a{background:url("//upload.wikimedia.org/wikipedia/commons/d/d6/Lock-gray-alt-2.svg")right 0.1em center/9px no-repeat}.mw-parser-output .id-lock-subscription.id-lock-subscription a{background:url("//upload.wikimedia.org/wikipedia/commons/a/aa/Lock-red-alt-2.svg")right 0.1em center/9px no-repeat}.mw-parser-output .cs1-ws-icon a{background:url("//upload.wikimedia.org/wikipedia/commons/4/4c/Wikisource-logo.svg")right 0.1em center/12px no-repeat}body:not(.skin-timeless):not(.skin-minerva) .mw-parser-output .id-lock-free a,body:not(.skin-timeless):not(.skin-minerva) .mw-parser-output .id-lock-limited a,body:not(.skin-timeless):not(.skin-minerva) .mw-parser-output .id-lock-registration a,body:not(.skin-timeless):not(.skin-minerva) .mw-parser-output .id-lock-subscription a,body:not(.skin-timeless):not(.skin-minerva) .mw-parser-output .cs1-ws-icon a{background-size:contain;padding:0 1em 0 0}.mw-parser-output .cs1-code{color:inherit;background:inherit;border:none;padding:inherit}.mw-parser-output .cs1-hidden-error{display:none;color:var(--color-error,#d33)}.mw-parser-output .cs1-visible-error{color:var(--color-error,#d33)}.mw-parser-output .cs1-maint{display:none;color:#085;margin-left:0.3em}.mw-parser-output .cs1-kern-left{padding-left:0.2em}.mw-parser-output .cs1-kern-right{padding-right:0.2em}.mw-parser-output .citation .mw-selflink{font-weight:inherit}@media screen{.mw-parser-output .cs1-format{font-size:95%}html.skin-theme-clientpref-night .mw-parser-output .cs1-maint{color:#18911f}}@media screen and (prefers-color-scheme:dark){html.skin-theme-clientpref-os .mw-parser-output .cs1-maint{color:#18911f}}</style><cite id="CITEREFBommerRanaMilevoj2022" class="citation journal cs1">Bommer, William H.; 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Retrieved <span class="nowrap">May 15,</span> 2021</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=unknown&rft.jtitle=BuzzFeed+News&rft.atitle=We+Found+Joe+Biden%27s+Secret+Venmo.+Here%27s+Why+That%27s+A+Privacy+Nightmare+For+Everyone.&rft.date=2021-05-14&rft.aulast=Mac&rft.aufirst=Ryan&rft.au=Notopoulos%2C+Katie&rft.au=Brooks%2C+Ryan&rft.au=McDonald%2C+Logan&rft_id=https%3A%2F%2Fwww.buzzfeednews.com%2Farticle%2Fryanmac%2Fwe-found-joe-bidens-secret-venmo&rfr_id=info%3Asid%2Fen.wikipedia.org%3AVenmo" class="Z3988"></span></span> </li> <li id="cite_note-57"><span class="mw-cite-backlink"><b><a href="#cite_ref-57">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite id="CITEREFPeters2021" class="citation web cs1">Peters, Jay (May 14, 2021). <a rel="nofollow" class="external text" href="https://www.theverge.com/2021/5/14/22436847/venmo-contact-friends-list-not-private-president-joe-biden">"Venmo shows who you're friends with even if you're Joe Biden"</a>. <i><a href="/wiki/The_Verge" title="The Verge">The Verge</a></i><span class="reference-accessdate">. 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Retrieved <span class="nowrap">May 15,</span> 2021</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=unknown&rft.jtitle=CNET&rft.atitle=Biden%27s+Venmo+account+was+reportedly+tracked+down+within+minutes&rft.date=2021-05-14&rft.aulast=Relchert&rft.aufirst=Corinne&rft_id=https%3A%2F%2Fwww.cnet.com%2Fnews%2Fbidens-venmo-account-was-reportedly-tracked-down-within-minutes%2F&rfr_id=info%3Asid%2Fen.wikipedia.org%3AVenmo" class="Z3988"></span></span> </li> <li id="cite_note-59"><span class="mw-cite-backlink"><b><a href="#cite_ref-59">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite id="CITEREFPengelly2021" class="citation web cs1">Pengelly, Martin (May 15, 2021). <a rel="nofollow" class="external text" href="https://www.theguardian.com/us-news/2021/may/15/biden-venmo-account-buzzfeed-news-national-security">"Joe Biden's Venmo account discovered in 'less than 10 minutes' – report"</a>. <i><a href="/wiki/The_Guardian" title="The Guardian">The Guardian</a></i><span class="reference-accessdate">. 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Retrieved <span class="nowrap">March 11,</span> 2022</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=unknown&rft.jtitle=Privacy+Enhancing+Technologies&rft.atitle=I+know+what+you+did+on+Venmo%3A+Discovering+privacy+leaks+in+mobile+social+payments&rft.date=2022-07-15&rft.aulast=Tandon&rft.aufirst=Rajat&rft_id=https%3A%2F%2Fpetsymposium.org%2Fpopets%2F2022%2Fpopets-2022-0069.pdf&rfr_id=info%3Asid%2Fen.wikipedia.org%3AVenmo" class="Z3988"></span></span> </li> <li id="cite_note-61"><span class="mw-cite-backlink"><b><a href="#cite_ref-61">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite id="CITEREFMcCaffrey2021" class="citation news cs1">McCaffrey, Peter Rudegeair and Orla (February 5, 2021). <a rel="nofollow" class="external text" href="https://www.wsj.com/articles/venmos-debt-collection-practices-probed-by-cfpb-11612537319">"Venmo's Debt-Collection Practices Probed by CFPB"</a>. <i>Wall Street Journal</i>. <a href="/wiki/ISSN_(identifier)" class="mw-redirect" title="ISSN (identifier)">ISSN</a> <a rel="nofollow" class="external text" href="https://search.worldcat.org/issn/0099-9660">0099-9660</a><span class="reference-accessdate">. Retrieved <span class="nowrap">February 6,</span> 2021</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=article&rft.jtitle=Wall+Street+Journal&rft.atitle=Venmo%27s+Debt-Collection+Practices+Probed+by+CFPB&rft.date=2021-02-05&rft.issn=0099-9660&rft.aulast=McCaffrey&rft.aufirst=Peter+Rudegeair+and+Orla&rft_id=https%3A%2F%2Fwww.wsj.com%2Farticles%2Fvenmos-debt-collection-practices-probed-by-cfpb-11612537319&rfr_id=info%3Asid%2Fen.wikipedia.org%3AVenmo" class="Z3988"></span></span> </li> <li id="cite_note-62"><span class="mw-cite-backlink"><b><a href="#cite_ref-62">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite id="CITEREFRudegeair2019" class="citation news cs1">Rudegeair, Peter (March 25, 2019). <a rel="nofollow" class="external text" href="https://www.wsj.com/articles/venmo-to-users-if-you-owe-us-money-were-coming-for-it-11553518800">"Venmo to Users: If You Owe Us Money, We're Coming for It"</a>. <i>Wall Street Journal</i>. <a href="/wiki/ISSN_(identifier)" class="mw-redirect" title="ISSN (identifier)">ISSN</a> <a rel="nofollow" class="external text" href="https://search.worldcat.org/issn/0099-9660">0099-9660</a><span class="reference-accessdate">. Retrieved <span class="nowrap">February 6,</span> 2021</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=article&rft.jtitle=Wall+Street+Journal&rft.atitle=Venmo+to+Users%3A+If+You+Owe+Us+Money%2C+We%27re+Coming+for+It&rft.date=2019-03-25&rft.issn=0099-9660&rft.aulast=Rudegeair&rft.aufirst=Peter&rft_id=https%3A%2F%2Fwww.wsj.com%2Farticles%2Fvenmo-to-users-if-you-owe-us-money-were-coming-for-it-11553518800&rfr_id=info%3Asid%2Fen.wikipedia.org%3AVenmo" class="Z3988"></span></span> </li> <li id="cite_note-63"><span class="mw-cite-backlink"><b><a href="#cite_ref-63">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite id="CITEREFRudegeair2020" class="citation news cs1">Rudegeair, Peter (September 24, 2020). <a rel="nofollow" class="external text" href="https://www.wsj.com/articles/even-in-a-pandemic-venmo-tells-conned-customers-to-pay-up-11600939826">"Even in a Pandemic, Venmo Tells Conned Customers to Pay Up"</a>. <i>Wall Street Journal</i>. <a href="/wiki/ISSN_(identifier)" class="mw-redirect" title="ISSN (identifier)">ISSN</a> <a rel="nofollow" class="external text" href="https://search.worldcat.org/issn/0099-9660">0099-9660</a><span class="reference-accessdate">. Retrieved <span class="nowrap">February 6,</span> 2021</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=article&rft.jtitle=Wall+Street+Journal&rft.atitle=Even+in+a+Pandemic%2C+Venmo+Tells+Conned+Customers+to+Pay+Up&rft.date=2020-09-24&rft.issn=0099-9660&rft.aulast=Rudegeair&rft.aufirst=Peter&rft_id=https%3A%2F%2Fwww.wsj.com%2Farticles%2Feven-in-a-pandemic-venmo-tells-conned-customers-to-pay-up-11600939826&rfr_id=info%3Asid%2Fen.wikipedia.org%3AVenmo" class="Z3988"></span></span> </li> </ol></div></div> <div class="mw-heading mw-heading2"><h2 id="External_links">External links</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Venmo&action=edit&section=10" title="Edit section: External links"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <ul><li><span class="official-website"><span class="url"><a rel="nofollow" class="external text" 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href="/wiki/Google_Pay_(mobile_app)" title="Google Pay (mobile app)">Google Pay app</a></li></ul></li> <li><a href="/wiki/Google_Wallet" title="Google Wallet">Google Wallet</a></li> <li><a href="/wiki/Gojek#Products" title="Gojek">Gopay</a></li> <li><a href="/wiki/IDEAL" title="IDEAL">iDEAL</a></li> <li><a href="/wiki/Interac_e-Transfer" title="Interac e-Transfer">Interac e-Transfer</a></li> <li><a href="/wiki/JazzCash" title="JazzCash">JazzCash</a></li> <li><a href="/wiki/Jumio" title="Jumio">Jumio</a></li> <li><a href="/wiki/KakaoPay" title="KakaoPay">KakaoPay</a></li> <li><a href="/wiki/Line_Pay" class="mw-redirect" title="Line Pay">Line Pay</a></li> <li><a href="/wiki/Maya_(mobile_payments)" title="Maya (mobile payments)">Maya</a></li> <li><a href="/wiki/Mercado_Pago" class="mw-redirect" title="Mercado Pago">Mercado Pago</a></li> <li><a href="/wiki/Mir_Pay" class="mw-redirect" title="Mir Pay">Mir Pay</a></li> <li><a href="/wiki/MobiKwik" title="MobiKwik">MobiKwik</a></li> <li><a href="/wiki/Suica" title="Suica">Mobile Suica</a></li> <li><a href="/wiki/MobilePay" title="MobilePay">MobilePay</a></li> <li><a href="/wiki/Mopay" class="mw-redirect" title="Mopay">Mopay</a></li> <li><a href="/wiki/M-Pesa" title="M-Pesa">M-Pesa</a></li> <li><a href="/wiki/Nagad" title="Nagad">Nagad</a></li> <li><a href="/wiki/National_Payments_Corporation_of_India" title="National Payments Corporation of India">NPCI</a> <ul><li><a href="/wiki/Immediate_Payment_Service" title="Immediate Payment Service">IMPS</a></li> <li><a href="/wiki/Unified_Payments_Interface" title="Unified Payments Interface">UPI</a> <ul><li><a href="/wiki/BHIM" title="BHIM">BHIM</a></li></ul></li></ul></li> <li><a href="/wiki/Naver_Pay" title="Naver Pay">Naver Pay</a></li> <li><a href="/wiki/National_Electronic_Funds_Transfer" title="National Electronic Funds Transfer">NEFT</a></li> <li><a href="/wiki/Orange_Money" title="Orange Money">Orange Money</a></li> <li><a href="/wiki/Osaifu-Keitai" title="Osaifu-Keitai">Osaifu-Keitai</a></li> <li><a href="/wiki/Oxigen_Services" title="Oxigen Services">Oxigen Services</a></li> <li><a href="/wiki/PayAnywhere" class="mw-redirect" title="PayAnywhere">PayAnywhere</a></li> <li><a href="/wiki/PayMate" title="PayMate">PayMate</a></li> <li><a href="/wiki/PayMe" title="PayMe">PayMe</a></li> <li><a href="/wiki/PayNow" title="PayNow">PayNow</a></li> <li><a href="/wiki/PayPal" title="PayPal">PayPal</a> <ul><li><a href="/wiki/Braintree_(company)" title="Braintree (company)">Braintree</a></li> <li><a href="/wiki/IZettle" class="mw-redirect" title="IZettle">iZettle</a></li> <li><a href="/wiki/Paydiant" title="Paydiant">Paydiant</a></li> <li><a class="mw-selflink selflink">Venmo</a></li></ul></li> <li><a href="/wiki/PayPay" title="PayPay">PayPay</a></li> <li><a href="/wiki/Paytm" title="Paytm">Paytm</a></li> <li><a href="/wiki/Payworld" title="Payworld">Payworld</a></li> <li><a href="/wiki/Paze" title="Paze">Paze</a></li> <li><a href="/wiki/PhonePe" title="PhonePe">PhonePe</a></li> <li><a href="/wiki/Pix_(payment_system)" title="Pix (payment system)">Pix</a></li> <li><a href="/wiki/Qiwi" title="Qiwi">Qiwi</a></li> <li><a href="/wiki/Revolut" title="Revolut">Revolut</a></li> <li><a href="/wiki/Samsung_Pay" title="Samsung Pay">Samsung Pay</a> <ul><li><a href="/wiki/Samsung_Wallet" title="Samsung Wallet">Samsung Wallet</a></li></ul></li> <li><a href="/wiki/Spice_Digital" class="mw-redirect" title="Spice Digital">Spice Digital</a></li> <li><a href="/wiki/Swish_(payment)" title="Swish (payment)">Swish</a></li> <li><a href="/wiki/Touch_%27n_Go_eWallet" title="Touch 'n Go eWallet">Touch 'n Go eWallet</a></li> <li><a href="/wiki/TWINT" title="TWINT">TWINT</a></li> <li><a href="/wiki/UnionPay_(application)" title="UnionPay (application)">UnionPay app</a></li> <li><a href="/wiki/Vipps" title="Vipps">Vipps</a></li> <li><a href="/wiki/Wave_Money" title="Wave Money">Wave Money</a></li> <li><a href="/wiki/WeChat_Pay" title="WeChat Pay">WeChat Pay</a></li> <li><a href="/wiki/Wizzit" title="Wizzit">Wizzit</a></li> <li><a href="/wiki/YooMoney" title="YooMoney">YooMoney</a></li> <li><a href="/wiki/Zelle" title="Zelle">Zelle</a></li></ul> </div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%">Defunct</th><td class="navbox-list-with-group navbox-list navbox-even" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/AirTag_(company)" title="AirTag (company)">AirTag</a></li> <li><a href="/wiki/Bell_ID" title="Bell ID">Bell ID</a></li> <li><a href="/wiki/CurrentC" class="mw-redirect" title="CurrentC">CurrentC</a></li> <li><a href="/wiki/Fortumo" title="Fortumo">Fortumo</a></li> <li><a href="/wiki/Google_Pay_Send" title="Google Pay Send">Google Wallet (2011-2018)</a></li> <li><a href="/wiki/Kuapay" title="Kuapay">Kuapay</a></li> <li><a href="/wiki/Lemon_Wallet" title="Lemon Wallet">Lemon Wallet</a></li> <li><a href="/wiki/LG_Pay" title="LG Pay">LG Pay</a></li> <li><a href="/wiki/Microsoft_Pay" title="Microsoft Pay">Microsoft Pay</a></li> <li><a href="/wiki/Paym" title="Paym">Paym</a></li> <li><a href="/wiki/Pingit" title="Pingit">Pingit</a></li> <li><a href="/wiki/Simpay" title="Simpay">Simpay</a></li> <li><a href="/wiki/Softcard" title="Softcard">Softcard</a></li> <li><a href="/wiki/Tagpay" class="mw-redirect" title="Tagpay">Tagpay</a></li> <li><a href="/wiki/Tez_(software)" title="Tez (software)">Tez</a></li> <li><a href="/wiki/Vcash" title="Vcash">vcash</a></li> <li><a href="/wiki/Zapp_(mobile_payments)" class="mw-redirect" title="Zapp (mobile payments)">Zapp</a></li> <li><a href="/wiki/ZNAP" class="mw-redirect" title="ZNAP">Znap</a></li></ul> </div></td></tr><tr><td class="navbox-abovebelow" colspan="2"><div> <ul><li><span class="noviewer" typeof="mw:File"><span title="Category"><img alt="" src="//upload.wikimedia.org/wikipedia/en/thumb/9/96/Symbol_category_class.svg/16px-Symbol_category_class.svg.png" decoding="async" width="16" height="16" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/en/thumb/9/96/Symbol_category_class.svg/23px-Symbol_category_class.svg.png 1.5x, //upload.wikimedia.org/wikipedia/en/thumb/9/96/Symbol_category_class.svg/31px-Symbol_category_class.svg.png 2x" data-file-width="180" data-file-height="185" /></span></span> <a href="/wiki/Category:Mobile_payments" title="Category:Mobile payments">Category</a></li></ul> </div></td></tr></tbody></table></div> <div class="navbox-styles"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1129693374"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1236075235"></div><div role="navigation" class="navbox" aria-labelledby="Payment_service_providers" style="padding:3px"><table class="nowraplinks hlist mw-collapsible autocollapse navbox-inner" style="border-spacing:0;background:transparent;color:inherit"><tbody><tr><th scope="col" class="navbox-title" colspan="2"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1129693374"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1239400231"><div class="navbar plainlinks hlist navbar-mini"><ul><li class="nv-view"><a href="/wiki/Template:Payment_service_providers" title="Template:Payment service providers"><abbr title="View this template">v</abbr></a></li><li class="nv-talk"><a href="/wiki/Template_talk:Payment_service_providers" title="Template talk:Payment service providers"><abbr title="Discuss this template">t</abbr></a></li><li class="nv-edit"><a href="/wiki/Special:EditPage/Template:Payment_service_providers" title="Special:EditPage/Template:Payment service providers"><abbr title="Edit this template">e</abbr></a></li></ul></div><div id="Payment_service_providers" style="font-size:114%;margin:0 4em"><a href="/wiki/Payment_service_provider" title="Payment service provider">Payment service providers</a></div></th></tr><tr><th scope="row" class="navbox-group" style="width:1%">Active</th><td class="navbox-list-with-group navbox-list navbox-odd" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Adyen" title="Adyen">Adyen</a></li> <li><a href="/wiki/Airtel_Payments_Bank" title="Airtel Payments Bank">Airtel Payments Bank</a></li> <li><a href="/wiki/Amazon_Pay" title="Amazon Pay">Amazon Pay</a></li> <li><a href="/wiki/Ant_Group" title="Ant Group">Ant Group</a></li> <li><a href="/wiki/Apple_Inc." title="Apple Inc.">Apple</a> <ul><li><a href="/wiki/Apple_Card" title="Apple Card">Card</a></li> <li><a href="/wiki/Apple_Pay" title="Apple Pay">Pay</a></li> <li><a href="/wiki/Apple_Wallet" title="Apple Wallet">Wallet</a></li></ul></li> <li><a href="/wiki/Atom_Technologies" class="mw-redirect" title="Atom Technologies">Atom</a></li> <li><a href="/wiki/BHIM" title="BHIM">BHIM</a></li> <li><a href="/wiki/BKash" title="BKash">bKash</a></li> <li><a href="/wiki/BillDesk" title="BillDesk">BillDesk</a></li> <li><a href="/wiki/Block,_Inc." title="Block, Inc.">Block</a> <ul><li><a href="/wiki/Afterpay" title="Afterpay">Afterpay</a></li> <li><a href="/wiki/Cash_App" title="Cash App">Cash App</a></li> <li><a href="/wiki/Square_(payment_system)" class="mw-redirect" title="Square (payment system)">Square</a></li></ul></li> <li><a href="/wiki/BPAY" title="BPAY">BPAY</a></li> <li><a href="/wiki/Cashfree_(company)" class="mw-redirect" title="Cashfree (company)">Cashfree</a></li> <li><a href="/wiki/Chase_Paymentech" title="Chase Paymentech">Chase Paymentech</a> <ul><li><a href="/wiki/WePay" title="WePay">WePay</a></li></ul></li> <li><a href="/wiki/CNG_Processing_A/S" title="CNG Processing A/S">CNG</a></li> <li><a href="/wiki/Dwolla" title="Dwolla">Dwolla</a></li> <li><a href="/wiki/Freecharge" title="Freecharge">Freecharge</a></li> <li><a href="/wiki/Global_Payments" title="Global Payments">Global Payments</a></li> <li><a href="/wiki/Gojek#Products" title="Gojek">Gopay</a></li> <li><a href="/wiki/Ingenico" title="Ingenico">Ingenico</a></li> <li><a href="/wiki/Klarna" title="Klarna">Klarna</a></li> <li><a href="/wiki/Mi-Pay" title="Mi-Pay">Mi-Pay</a></li> <li><a href="/wiki/Mir_(payment_system)" title="Mir (payment system)">Mir</a></li> <li><a href="/wiki/MobiKwik" title="MobiKwik">MobiKwik</a></li> <li><a href="/wiki/Nagad" title="Nagad">Nagad</a></li> <li><a href="/wiki/Nexi" title="Nexi">Nexi</a></li> <li><a href="/wiki/Nuvei" title="Nuvei">Nuvei</a></li> <li><a href="/wiki/Opayo" title="Opayo">Opayo</a></li> <li><a href="/wiki/Oxigen_Services" title="Oxigen Services">Oxigen Services</a></li> <li><a href="/wiki/Passport_(company)" title="Passport (company)">Passport</a></li> <li><a href="/wiki/Paya,_Inc." title="Paya, Inc.">Paya</a></li> <li><a href="/wiki/Paymentwall" title="Paymentwall">Paymentwall</a></li> <li><a href="/wiki/Payoneer" title="Payoneer">Payoneer</a></li> <li><a href="/wiki/PayPal" title="PayPal">PayPal</a> <ul><li><a href="/wiki/Braintree_(company)" title="Braintree (company)">Braintree</a></li> <li><a href="/wiki/Zettle" title="Zettle">Zettle</a></li> <li><a class="mw-selflink selflink">Venmo</a></li> <li><a href="/wiki/Xoom_Corporation" title="Xoom Corporation">Xoom</a></li></ul></li> <li><a href="/wiki/PayPoint" title="PayPoint">PayPoint</a></li> <li><a href="/wiki/Paysafe" title="Paysafe">Paysafe</a> <ul><li><a href="/wiki/Neteller" title="Neteller">Neteller</a></li> <li><a href="/wiki/Openbucks" title="Openbucks">Openbucks</a></li> <li><a href="/wiki/Paysafecard" class="mw-redirect" title="Paysafecard">paysafecard</a></li> <li><a href="/wiki/Skrill" title="Skrill">Skrill</a></li></ul></li> <li><a href="/wiki/Paytm" title="Paytm">Paytm</a></li> <li><a href="/wiki/PayU" title="PayU">PayU</a></li> <li><a href="/wiki/PhonePe" title="PhonePe">PhonePe</a></li> <li><a href="/wiki/POLi_Payments" title="POLi Payments">POLi Payments</a></li> <li><a href="/wiki/QRIS" title="QRIS">QRIS</a></li> <li><a href="/wiki/Quahl" title="Quahl">Quahl</a></li> <li><a href="/wiki/Red_Dot_Payment" title="Red Dot Payment">Red Dot Payment</a></li> <li><a href="/wiki/Remita" title="Remita">Remita</a></li> <li><a href="/wiki/Sarvatra_Technologies" title="Sarvatra Technologies">Sarvatra Technologies</a></li> <li><a href="/wiki/Shift4" title="Shift4">Shift4</a></li> <li><a href="/wiki/Stripe,_Inc." title="Stripe, Inc.">Stripe</a></li> <li><a href="/wiki/Tata_Neu" title="Tata Neu">Tata Neu</a></li> <li><a href="/wiki/Tencent" title="Tencent">Tencent</a></li> <li><a href="/wiki/Verifone" title="Verifone">Verifone</a></li> <li><a href="/wiki/VersaPay" class="mw-redirect" title="VersaPay">VersaPay</a></li> <li><a href="/wiki/Veem" title="Veem">Veem</a></li> <li><a href="/wiki/WebMoney" title="WebMoney">WebMoney</a></li> <li><a href="/wiki/Worldline_SA" title="Worldline SA">Worldline SA</a></li> <li><a href="/wiki/Worldpay,_Inc." title="Worldpay, Inc.">Worldpay, Inc.</a></li> <li><a href="/wiki/YooMoney" title="YooMoney">YooMoney</a></li> <li><a href="/wiki/Zeta_(company)" title="Zeta (company)">Zeta</a></li></ul> </div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%">Defunct</th><td class="navbox-list-with-group navbox-list navbox-even" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Billpoint" title="Billpoint">Billpoint</a></li> <li><a href="/wiki/C2it" title="C2it">C2it</a></li> <li><a href="/wiki/Clinkle" title="Clinkle">Clinkle</a></li> <li><a href="/wiki/Wirecard" title="Wirecard">Wirecard</a></li> <li><a href="/wiki/PayDirect" title="PayDirect">PayDirect</a></li> <li><a href="/wiki/Qiwi" title="Qiwi">Qiwi</a></li> <li><a href="/wiki/Tez_(software)" title="Tez (software)">Tez</a></li> <li><a href="/wiki/Ukash" title="Ukash">Ukash</a></li> <li><a href="/wiki/Zong_(payments_provider)" title="Zong (payments provider)">Zong</a></li></ul> </div></td></tr><tr><td class="navbox-abovebelow" colspan="2"><div> <ul><li><span 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