When I mentioned cumbersome, I'm referring to these things: transferring cash between personal checking to and from Venmo balance, and the number of people who

When I mentioned cumbersome, I'm referring to these things: transferring cash between personal checking to and from Venmo balance, and the number of people who use Venmo. While both services offer immediate transfer(within an hour) from balance to bank account, Alipay's is free while Venmo asks for a small fee(or free for same/next day). Then, population usage. Cheap Hot dog stands in NYC only accept cash. Apple pay if they're trendy. All Dumpling/bun street stands in Shanghai use Alipay. Everyone in China uses Alipay. In America I’ve found it to be a "Venmo? Zelle? Cash?" charade when it comes to exchanging cash. Although don’t get me wrong Venmo has made splitting checks in America easier between friends - but it just feels like I only use Venmo for that purpose(splitting bills between friends) while Alipay I use everywhere. I realize now cumbersome wasn't the best word to use to differentiate Venmo and Alipay - the better word to describe the differences between these services is "usability". And of course, I should also mention that these two services are geared towards two different services, so its a bit unfair to compare.