My top 2 Venmo alternatives
By Edouard Rosenblum, Co-founder @Secret
Cash App
Cash App is another excellent alternative to Venmo. It's a mobile payment service that lets users transfer money to one another using a mobile app. For example, if you're out dining with friends and need to split the bill, Cash App makes it easy to send your share instantly. Moreover, it also offers features like investing in stocks or Bitcoin directly from the app.
Square Point of Sale
Square Point of Sale is primarily designed for businesses. It's a free point-of-sale app that lets businesses process payments, track sales and inventory, and provides analytics reports. For instance, if you own a coffee shop, Square Point of Sale can help manage all your transactions efficiently. It also integrates with other Square products, making it a comprehensive business solution.
List of Alternatives to Venmo
Here are some of Venmo's top competitors in the Payments category: Cash App, Square Point of Sale, Stripe or Revolut.
Cash App is a mobile payment service developed by Square, Inc., allowing users to transfer money to one another using a mobile app. It also provides features like direct deposit, Bitcoin purchasing, and a debit card called Cash Card.
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Investment in stocks and Bitcoin
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Debit card cash
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Boosts
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Ease of use
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Security
Pronslaw Recovery
how i was able to get my money back
Oh!, it's really weird that even with all my documents and verification of my account, they still don't allow withdrawal and it clearly doesn't make sense. Submitted it to (ERIB .IO or via WhatsApp +1 (657) 257‑9856 and luckily got it back. I really advise everyone not to invest with this company.
March 12, 2025
Cash App compared to Venmo
Venmo is better at customer service than Cash App: 4.5 vs 3.5
Venmo is more user friendly than Cash App: 5.0 vs 4.5
Venmo is better at value for money than Cash App: 4.8 vs 4.3
Why is Cash App a good alternative to Venmo?
I find Venmo to be a great alternative to Cash App for several reasons. Firstly, Venmo has a more social aspect to it. You can see transactions between friends and family, making it feel more like a community. This feature is unique and adds an element of fun to the experience.
Secondly, Venmo's interface is user-friendly and straightforward. Even if you are new to digital wallets, you won't have any trouble navigating through the app. The process of sending and receiving money is quick and easy.
Lastly, I appreciate that Venmo allows instant transfers to your bank account for a small fee. If you're in a hurry and need funds immediately, this feature can be incredibly helpful. These qualities make Venmo a solid alternative to Cash App.
What are the differences between Cash App and Venmo?
I've found that both Venmo and Cash App are popular peer-to-peer payment platforms, but they have some distinct differences. Venmo, owned by PayPal, has a social aspect, allowing users to share their transactions on a public feed. It's more like a social media platform for payments. On the other hand, Cash App, owned by Square, offers more features beyond peer-to-peer payments. It allows users to invest in stocks and Bitcoin directly from the app.
When it comes to fees, Venmo charges 1% for instant transfers while Cash App charges 1.5%. However, Cash App charges 3% if you send money using a credit card, whereas Venmo only charges 3% if the sender uses a credit card. Both apps have similar security measures with encryption and fraud detection.
Overall, the choice between Venmo and Cash App depends on individual needs; whether you prefer a social aspect or additional investment features.
Square Point of Sale brings value by providing a user-friendly and efficient platform for businesses to accept payments, manage inventory, track sales, and gain insights through advanced analytics, all while providing a seamless customer experience.
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Employee management
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Inventory management
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Customizable dashboard
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Swipe, chip, and tap
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Transaction history
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Receipt options
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Alerts/notifications
In-person
2.6% + 15 cents per transactionManually entered
3.5% + 15 cents per transactionOnline
2.9% + 30 cents per transactionInvoices
3.3% + 30 cents per transactionDann Sporer
Low-Maintenance POS with Simple Refunds and Reporting
I like that Square POS doesn’t require much hand-holding once it’s configured. Refunds are simple, end-of-day reporting is quick, and the built-in analytics are good enough for weekly reviews. It’s not as customizable as some larger systems, but for a growing shop that can actually be a plus.
June 20, 2026
Why is Square Point of Sale a good alternative to Venmo?
I find Venmo to be a great alternative to Square Point of Sale due to its simplicity and user-friendly interface. Unlike Square, which is primarily designed for businesses, Venmo is ideal for personal transactions between friends or family. It's free to send money using your Venmo balance, bank account, debit card, or prepaid card which makes it highly convenient. Moreover, the social aspect of Venmo where you can share and view payment descriptions on your feed adds an element of fun and transparency to transactions. The ability to split bills or expenses with multiple people is another standout feature that makes Venmo more suitable for personal use. In essence, if you're looking for an easy way to manage personal transactions rather than business ones, Venmo is the way to go.
What are the differences between Square Point of Sale and Venmo?
As someone who has used both Venmo and Square Point of Sale (POS), I've noticed several key differences. Venmo is primarily a peer-to-peer payment platform, designed for sending and receiving money between friends and family. It's not intended for business transactions, although some small businesses do use it informally.
Square POS, on the other hand, is a full-fledged business solution. It allows businesses to accept payments in person or online, track inventory, generate sales reports, and more. While Square does have a peer-to-peer app called Cash App, their POS system is much more robust and aimed at businesses.
In terms of fees, Venmo doesn't charge for personal transactions, but there's a fee for receiving business payments. Square POS charges businesses a flat rate per transaction. Both platforms require an internet connection to operate.
Stripe is a payment solution for ecommerce websites. It can be easily integrated to your website or app, and allows you to accept your customers' payments.
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Payment analytics and reporting
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Payment processing
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Fraud prevention
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International expansion
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Customizable checkout
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Subscription billing
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Developer-friendly APIs
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Subsidiary services
Standard (Pay-As-You-Go)
2.9% + $0.30 per successful card chargeEnterprise
Custom pricingShantae Luettgen Jr.
Quick Setup + Joinsecret Fee Waiver Perk
Setup was straightforward, and through Joinsecret we also got the Stripe charges waived on our next $20k in processing, which was a nice bonus while we were still validating the product and watching every expense
June 23, 2026
Revolut Business is an online account for professionals. Multi-currency, it allows you to easily trade internationally. Thanks to its comprehensive and easy-to-use features, this internet banking account is suitable for all types of businesses.
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Secure your financial transactions
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Enjoy the benefits of automation
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Customise your payment approvals
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A high-performance multi-currency account
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Save time with accounting integrations
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Centralize and track your financial flows
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Get paid faster with Revolut Invoices
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Issue corporate cards to your team
Free
Grow
$25 / monthScale
$100 / monthEzra Bogisich
Disposable Virtual Cards & Smarter Budgeting
What I like most about Revolut is how easy it is to separate spending with virtual cards and budgeting categories. I use the disposable virtual card for online purchases I don’t fully trust, and that alone has made me more comfortable buying from smaller websites. It’s not perfect, but the security tools feel ahead of most banks
June 22, 2026
Revolut compared to Venmo
Revolut is better at customer support than Venmo: 4.6 vs 4.5
Venmo's user interface is more convenient than Revolut: 5.0 vs 4.5
Venmo pricing plans are more competitive than Revolut: 4.8 vs 4.4
Whether you are a marketplace, an e-shop, a crowdfunding platform or a B2B platform, MangoPay makes it easy for your customers to pay. Your payment flows are simplified, automated and secure.
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White label solution
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Dispute management
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Anti-fraud
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User verification
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E-wallets & Ibanisation
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Payment methods & currencies
Fr. Tomiko Renner
Multi‑Party Payments with Strong Finance Reporting
MangoPay has been a good match for our platform because it supports multi-party payments without awkward workarounds. I also appreciate that the reporting is detailed enough for finance to track transfers, refunds, and fees without exporting from three different places
June 20, 2026
MangoPay compared to Venmo
Venmo has better positive reviews than MangoPay: 96 vs 85
MangoPay is better at customer support than Venmo: 4.6 vs 4.5
Venmo is easier to set up than MangoPay: 5.0 vs 4.5
Venmo is more suitable for small businesses thanks to its good value for money than MangoPay: 4.8 vs 4.4
MangoPay is better at number of features than Venmo: 52 vs 17
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Get deal for freeAirwallex offers a comprehensive suite of business solutions for SME’s and global enterprises. The suite includes an all-in-one global business account, multi-currency expense cards, FX transfers, expense management and online payments to enable companies to expand their business globally and accelerate growth.
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Fast international payments
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Global account
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Easy payment collection
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Efficiently manage company and employee expenses
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Customizable API
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Integrations with the best tools
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$0 (Freemium)Grow
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$499 per monthAddie Hermiston DDS
Simple Payment Links & Multi-Currency Dashboard
What I value most is the FX transparency. You can see the conversion before sending, and compared with our old bank the fees have been easier to explain internally. Support has been decent too, not instant every time, but usually practical when the issue is specific
June 11, 2026
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Get deal for freeGoCardless is a platform specializing in direct bank payments, designed to simplify and automate the process of collecting both one-off and recurring payments. It helps you avoid the high fees associated with card payments and reduces the administrative burden.
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Intelligent retry
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International payments
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Bank account data access
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Customizable dashboard
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Advanced security
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Automated recurring payments
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Instant, one-off payments
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Integrations
Aaron
Efficient Cash Flow Management with GoCardless Reporting
I've found the reporting features of GoCardless to be very useful in tracking and managing my cash flow
October 21, 2024
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Get deal for freeFreshBooks is a cloud-based accounting solution designed to simplify financial management for small business owners and freelancers. Whether you’re on the go or at the office, FreshBooks keeps your finances organized and accessible.
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Client management
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Time tracking
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Automated payment reminders
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Expense tracking
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Project management
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Financial reporting
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Mobile app
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Easy invoicing
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$21 per monthPlus
$38 per monthPremium
$65 per monthMsgr. Magaly Heathcote
Simple, Solid Accounting with Bank Feeds
The accounting side is approachable without feeling too barebones, especially bank connection and expense categorization, and I appreciated finding a heavily reduced first 3 months offer on Joinsecret while setting things up
June 23, 2026
Birdeye adds value by using AI to help businesses manage and improve their online reputation, customer experience, and revenue through its all-in-one customer experience platform.
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Automated review request
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Competitor analysis
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Social media management made easy
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All-in-one reputation management
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Actionable customer insights
Elijah Brown
Experiencing Premium Service with Birdeye: A Worthwhile Investment
I'm currently enjoying a premium package with Birdeye, which is slightly more than the basic price, but it's absolutely worth it for the value it provides! They've been so attentive to my needs, even going as far as to refund one of my payments when there was a minor hiccup. I'm eagerly awaiting a further £5 credit, which I'm confident they'll process soon. It's a bit of a thrill trying to get in touch with their busy team, but it's all part of the exciting journey with this dynamic software!
August 10, 2024
Birdeye compared to Venmo
Venmo has better positive reviews compared to Birdeye: 96 vs 95
Venmo is easy to use compared to Birdeye: 5.0 vs 4.5
Venmo pricing plans are more competitive than Birdeye: 4.8 vs 4.5
Birdeye is more versatile than Venmo: 139 vs 17
Payoneer brings value by providing entrepreneurs and businesses with a secure and convenient way to send and receive global payments, manage multiple currencies, and access funds quickly. With Payoneer, businesses can expand their global reach, streamline their financial operations, and reduce costly fees and delays associated with traditional banking methods.
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Multiple withdrawal options
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Dedicated support
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Global payment solutions
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Seamless integrations
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Competitive exchange rates
Customer payments blocked for months - without reason and without any explanation
I'm issuing a strong warning to professionals and ambitious individuals: do not use Payoneer under any circumstances. My funds were blocked for months without any valid reason or explanation, which severely impacted my business and cash flow. Their so-called customer service is ineffective and useless, providing only vague answers without any real solution. This situation forced me to file a complaint with the police and start legal proceedings to recover my own money – a considerable waste of time and energy, simply because of what seems like organized theft tactics. I absolutely do not recommend Payoneer to anyone who values their work, time, and financial security.
September 11, 2025
Payoneer compared to Venmo
Venmo has better positive reviews than Payoneer: 96 vs 89
Venmo is better at customer support than Payoneer: 4.5 vs 4.0
Venmo is better at ease to use than Payoneer: 5.0 vs 4.5
Venmo is better at value for money than Payoneer: 4.8 vs 4.2
Venmo is more versatile than Payoneer: 17 vs 5
HoneyBook is an all-in-one clientflow management platform designed for independent businesses and freelancers. It offers a suite of tools including online contracts, invoices, payments, proposals, scheduling, and automations to streamline client interactions and business processes.
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Scheduling
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Project management
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Automation tools
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Online payments
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Customizable templates
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Integrated CRM
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Reporting and insights
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Client portals
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$36 / monthEssentials
$59 / monthPremium
$129 / monthEsme G
Excellent for Contract Management and Streamlined Invoicing
I use HoneyBook for its valuable contracts and simplified invoicing. I like the auto-billing and recurring billing features, but I'm not satisfied with the high transaction fees. I've noticed that competitors offer faster deposits. Despite the addition of many new features to the software, I've had difficulty learning the initial project features to utilize the new smartfile features. Hiring a professional to assist is too costly. The invoicing platform is user-friendly and the CRM helps me manage contacts and specifics. The contract templates meet my needs perfectly. However, payments take longer to deposit compared to other platforms. The pipeline and smart file features are complicated and even after two years, I'm still not using them. My clients also don't appreciate the notifications on every change within their project. I initially chose HoneyBook thinking I could use the project management platform, but it wasn't up to par so I switched to BaseCamp instead. I often use Square for invoicing because the fees are lower.
October 21, 2024
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June 20, 2026
Braintree is a flexible payment platform by PayPal that helps businesses accept, process, and scale online payments globally using cards, wallets, subscriptions, and local payment methods.
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Built-in fraud protection
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Braintree Payments: A Transparent and Simple Solution for Online Payment Processing
As a merchant, I've found online credit card payment processing to be complicated. I've used various companies and the most frustrating part has been the hidden, confusing fees. However, Braintree solves this problem by charging the same rate for almost all payment types. While there may be slightly cheaper options, their simplicity and transparency are vital for me. Their customer support is only via email, but fortunately, I rarely need it. I switched to Braintree mainly for the simplicity of their fees.
October 22, 2024
Cashfree is a next generation payments and banking technology company that helps 50,000+ Indian businesses collect and disburse payments via more than 100+ payment modes.
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Instant settlements
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Low transaction fees
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Customized payment pages
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Multiple payment modes
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24/7 customer support
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Advanced fraud detection system
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Erich Wolf
One Account for Collections & Payouts with Faster Reconciliation
Cashfree worked well for us because we needed both collections and payouts under one account. Settlement speed has been good, reconciliation is easier than with our previous provider, and we also came across a Joinsecret perk that covered a pretty big amount in processing credits, which was a nice bonus early on
June 23, 2026
Tremendous is a specialized payouts platform designed to help businesses distribute rewards, incentives, and reimbursements to anyone in the world.
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Robust developer API
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Bulk payment processing
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Global payout options
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Custom branding and messaging
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Virginia B
Amazingly Fast Software!
I was amazed by the super quick service. I ordered a payout and it was in my PayPal account within minutes. The service was fabulous!
October 1, 2024
PaidYET is a cloud-based point-of-sale (POS) software designed to simplify payment processing. It features a user-friendly interface, customizable payment pages, and secure transaction processing.
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Personalized payment link
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Robust reporting tools
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Secure platform
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User-friendly and customizable
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Recurring billing and digital receipts
Terry Jones
Fantastic Customization Options: Elevating Professionalism with PaidYet
The customization options on PaidYet are fantastic. I can tailor invoices to match my brand, which gives a professional touch to my transactions
August 11, 2024
PaidYET compared to Venmo
Venmo pricing plans are more competitive than PaidYET: 4.8 vs 4.6
PaidYET is better at number of features than Venmo: 37 vs 17
MYFUNDBOX is a comprehensive subscription billing and revenue management platform designed to help businesses automate recurring payments and global invoicing. By integrating with multiple payment gateways like Stripe, Mollie, and GoCardless, it simplifies the complexities of subscription lifecycles, tax compliance, and multi-currency transactions.
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Automated recurring billing
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Multi-gateway integration
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Automated dunning management
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Tax compliance and localization
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Subscription analytics dashboard
Carl Jones
MyFundbox: Simplifying and Stress-Free Financial Management
Overall, I couldn't be happier with myfundbox. It's made managing my finances simple and stress-free.
October 22, 2024
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