In the US, Zelle for bank transfers, but they also have customer service issues. Also, the recently launched FedNow service offers instant transfers and should

In the US, Zelle for bank transfers, but they also have customer service issues. Also, the recently launched FedNow service offers instant transfers and should begin to eat into PayPal/Venmo/Zelle's business. What they are not is a payment mechanism for purchases, however. There is AdYen, Apple Pay/Google Pay, Stripe and Square for that.