Yeah, for the last few years there's also been Zelle (at least in the US). This is IMO a killer service because all you need is the person's email address or p

Yeah, for the last few years there's also been Zelle (at least in the US). This is IMO a killer service because all you need is the person's email address or phone number, there's no fees, it's really fast and it's a feature built into most major banks' dashboard so there's no sign up process. It's like the best possible thing you could ask for, but small payment providers in the US still exist. It's really handy for the use case of sending or accepting infrequent 1 to 1 payments (invoices, referral payouts, etc.). It supports recurring payments too.