How to Make Digital Payments Peer to Peer

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Digital Payment Systems

Paypal - Early Technology that made digital peer to peer payments easy

If you don't use Paypal anymore, you can delete your account so no one else can access the financial institutions linked to it.

With the invention of smartphones, Venmo, an app made peer to peer payments easier. Owned by PayPal. To setup Venmo, download the app sign up using your phone number or email and follow the prompts

Payment Portals link to your bank via ACH or via your bank login info using Plaid.

ACH provide your Bank Routing number and Bank Account Number (information on the bottom of your check)

Plaid is a third party software that securely links your banking credentials to a Payment app.

Is online banking Safe? Most likely, but rest assured your bank will reimburse most any fraud.

Sign up for online banking to use services like Zelle, bill pay, having the bank create and send checks for you.

Zelle is bank to bank transfer. You must register your cell phone or email address through your bank's online Zelle portal. When sending a Zelle payment you will share with the sender your registered cell phone or email address.

How can I send a Zelle payment through my phone?

Have your bank's App downloaded on your phone.

Having trouble logging into your bank app or apps with passwords?

Check in the app under settings if there is an option for biometric login, face id or finger print id.

Paying Bills Online (not usually done through the banks, unless your sending a check)

Link the bill from the company to your bank based on the prompts you will see once you login. Or input a credit card number or bank info with the payee, i.e. Verizon, Comcast, etc. remember to setup automatic, recurring payments.



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