Thanks for responding. It certainly makes a lot of sense for a business model like Lyft or Sidecar where their is a significant relationship between the compan

Thanks for responding. It certainly makes a lot of sense for a business model like Lyft or Sidecar where their is a significant relationship between the company facilitating the payment and the service providers receiving payment. For the OPs case though there seems to be a huge amount of risk: a 'couple' sign up, then other 'friends' start sending them money.