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Yet, when I polled a broader group, most of the people I talked to weren’t using peer-to-peer payment apps, even if they had heard of them.
Pay Pal confirms your identity using various security questions, and all three apps can send authentication codes to your mobile device to make sure you are who you say you are.Most payments deposit instantly, according to Square, but some take one to two business days, depending on the bank.For example, a payment my husband sent to me on a Saturday night showed up in my bank account on Monday.Facebook also joined the fray in March, enabling fee-free P2P payments via debit card between friends in Facebook Messenger, but the feature is still rolling out and hasn’t been added in my app.
My hope is that this guide will make you at least a little more comfortable with digital payments — even helping you pay your sister back on time.
All three of these apps want you to feel as secure as possible so you won’t hesitate to use them (and so they’re not on the hook for fraud).