As a customer, I prefer: http://venmo.com http://venmo.com Lets me easily pay my friends and vice versa, 100% free, no transaction charges. Funds get pulled out

As a customer, I prefer: http://venmo.com http://venmo.com Lets me easily pay my friends and vice versa, 100% free, no transaction charges. Funds get pulled out of my credit card like a regular purchase (OR out of debit card or checking if preferred) Funds paid to me get automatically deposited into my checking account. Usage is effortless. They make money by charging a percentage on transactions that businesses receive.