None of us (students) had credit cards and we frequently used PayPal to cover the scenarios you mentioned. As a group it just became easy to all use the one app

None of us (students) had credit cards and we frequently used PayPal to cover the scenarios you mentioned. As a group it just became easy to all use the one app for requesting/sending smaller amounts of money. You can do it through a phone number which makes it quite simple even if it's not the best way.