Venmo

Vantagens

It is so easy to make payments it's insane. This little app can do anything from splitting checks to invoicing freelance jobs.

Desvantagens

There isn't much I don't like about Venmo. The social side of it is okay and I don't care much about that part since I like to keep my payments private.

Vantagens

I love that it's free. There's no fees to have an account, or to use the card, with the exception of withdrawing money from an atm. They sent me a venmo debit card with my name on it, and the only time I lost it, they had it replaced in 5 days!

Desvantagens

The ONLY thing I don't like about venmo is the atm withdrawal fee. It seems a little high compared to other cards I've had and it charged me 3$ for a 20$ withdrawal.

Vantagens

The user base is pervasive. Too many customers had Venmo, and not PayPal (but not both like me).
No problems with the interface.

Desvantagens

Main problem being the company's communications regarding my dispute of a via Venmo purchase:

>>Your account is on hold.
There wasn't enough money in your bank account for some payments you made, so Venmo covered the amount for you.

You won't be able to pay people or transfer money to your bank account until you pay Venmo back.

Pay Venmo back
Amount you still owe
$35.00<<o recourse to dispute or contend the charge because Venmo handled the transaction but refused to it when the didn't go through and I canceled the payment.o one to speak to, no one to contact, robot menus that cover all options except the reason you're calling, call centers with employees with no powers to do anything about a problem without asking their supervisor.

This usually involves another long wait on hold and transfer to someone who must be explained the issue all over again from scratch. I estimate that I have had to explain my sometimes simple issue over and over 4 times. Because no one can be bothered to brief the person you're transferring the call to!

To me this reeks of bad management bad training and a faulty power sructure.

Vantagens

It is so easy to use, almost everyone has it, and I no longer need to uncomfortably follow up with people to be paid. Rather, I can just send a Venmo request for funds and a follow up request if needed.

Desvantagens

I can only send one follow up request for money, it would be nice to have the option to send it more times.

Vantagens

You can send money to anyone from a bank account or a card and they can then add it to any bank account or debit card. You can also get a debit card that draws from your Venmo balance until it runs out, and then charges whatever you set as a backup. You can also use that card to withdraw cash for free from a ton of ATM's at different banks all over the country.

Desvantagens

You have to pay a fee to send money immediately from Venmo to your checking account, but it is free if you are willing to wait 1 to 3 business days and my transfers usually go through overnight.