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Venmo has been billed the acquittal app for millenials, and is accepted for authoritative the best awkward allotment of the night (splitting the bill) a little added bearable. It’s additionally one of the best accepted apps in the “peer-to-peer” (P2P) payments space.



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Founded in 2009, Venmo began as a acquittal arrangement through argument message. Then, to capitalize on the growing P2P economy, the aggregation alien a belvedere with its own chip amusing arrangement in March 2012. It bent on quickly, and beneath than six months afterwards Braintree (the acquittal arrangement for apps including Airbnb and Uber) acquired Venmo for $26.2 million. Beneath than a year afterwards that, the acquittal administrator PayPal Holdings Inc. bought Braintree for $800M.

In 2018, Paypal has started to monetize Venmo’s user base. This is acceptable annual for the company. However, Venmo is far from out of the woods, adverse aegis apropos and ascent competition. And in a awash marketplace, aegis apropos can be all the added damning.

Here, we booty a look at Venmo: how it works, how they accomplish money, aegis apropos and antagonism in the industry.



It’s appealing simple, actually. By bond a acclaim card, debit agenda or blockage annual to their Venmo account, Venmo users can barter funds with anniversary other, and accelerate anniversary added charges. Funds exchanged on Venmo can either be stored in the on-platform Venmo antithesis for afterwards use on the platform, or cashed out to a coffer account, which takes a few canicule to process. Like WePay and added acquittal platforms, Venmo has an appliance programming interface that allows websites and businesses to add Venmo to their acquittal services.

Venmo can be accepted as a agent amid the coffer accounts of its users. Aback you use Venmo to accelerate money to a friend, it doesn’t go anon to your friend’s coffer account. First, it goes to Venmo. The app again lowers your Venmo antithesis and raises your friend’s antithesis to reflect the payment. However, the money doesn’t absolutely leave your coffer annual until your acquaintance transfers his Venmo antithesis to his coffer account. This agency that you and your acquaintance can accelerate money aback and alternating on Venmo afterwards either of your coffer annual balances anytime absolutely alteration – alone your Venmo balances will.

So, a user’s Venmo antithesis is a antithesis that alone represents funds and transactions, afterwards absolutely alive them alfresco of Venmo’s platform.

Generally speaking, your antithesis on Venmo is about “fake” money – until it is transferred to a bank, it isn’t absolutely in the control of the user. This is a little altered aback appliance a Venmo debit card, but we’ll get to that a bit later.

Ok, but, there’s alone so abounding agency a P2P appliance can work. So the catechism becomes, how has Venmo differentiated itself.

That absolutely comes bottomward to ambition demographics, and the user experience, which go duke in hand.

Venmo has taken commodity awkward -the money owed amid accompany (millenials)- and angry it into a conversation. “Sending your accompany a agenda and including an emoji [like a wine bottle or a alive assemblage of cash] takes the amateurishness out of allurement your acquaintance to pay aback their allocation of the bar tab aftermost night,” said Venmo agent Josh Criscoe in an annual with Moneyish. He continued, “Venmo has affiliated the amusing aspect and the banking element, which no one abroad has been able to crack.”

For the best part, Venmo is a free-to-use platform. While best free-to-use platforms about-face to advertisements for revenue, Venmo has managed to abstain this route.

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Instead, while Venmo is mostly free-to-use for individuals, the aggregation does accomplish acquirement through fees levied on merchants.

According to Venmo’s website, sending money appliance Venmo comes with a accepted 3% fee, but the company waives that fee aback you fund the transaction with your Venmo balance, a coffer account, or a debit card. There is a 3% fee that is not waived for payments by acclaim card. According to Venmo’s website, however, this fee originates with the credit agenda companies. Venmo is artlessly casual the cost onto consumers.

Transferring money out of Venmo is a bit different. While accepted transfers (which booty 1-3 business days) are free, in January, the aggregation added a $0.25 fee is deducted from the alteration bulk for Instant Transfers, which transfers money to your annual in as little as 10 minutes. On November 6 this will change, though, and 1% of the alteration bulk (minimum fee $0.25, best fee $10) will be deducted from the alteration bulk for Instant Transfers.

Venmo’s added cogent acquirement beck comes from charging merchants a per-transaction fee. Believe it or not, Venmo’s amusing media augment plays a ample role here. Thanks to Paypal’s infrastructure, Venmo is now accordant with over 2 actor merchants, about as abounding as PayPal itself. This affinity comes in two forms.

The aboriginal is a “smart acquittal button” that can be chip into apps as a acquittal adjustment for in-app purchases. For instance, In July 2018, Uber appear that it was abacus a annual to its adaptable app that will acquiesce users to use Venmo to pay for rides and Uber Eats, afterwards abrogation the Uber app. The money can be fatigued from the in-app Venmo balance, an associated debit or acclaim card, or a affiliated coffer account. Additionally, the bulk of the ride or aliment can be breach with added users.

The added is a debit card, the “Venmo card,” which draws anon from a user’s Venmo balance. This agenda operates through Mastercard and can be acclimated at any business that accepts Mastercard.

This move has helped Venmo axis from an alone amusing P2P belvedere to a aggregation complex at credibility of sale, too, both online and at brick and adhesive stores. In an annual with Digiday, Javelin Strategy and Research analyst Rachel Huber said, “a agenda familiarizes [Venmo’s] cast with merchants as a acquittal apparatus – and merchants are activity to be the better agency in Venmo accomplishing profitability. Think business and adherence tie-ins, affiliation fees, and promotional deals.”

In both of these cases, Venmo accuse merchants a 2.9% $0.30 transaction fee, which is at the college end of fees charged.

Venmo justifies these ante in a brace ways. Additionally according to Huber, “Venmo has admission to an acutely adorable chump articulation – apprehend them to use that to their advantage.” But it isn’t aloof their chump demographics, it’s additionally the affectionate of admission they accept to them.

In an annual with The Atlantic, Richard Crone, who runs a payments focused close alleged Crone Consulting, said “You airing into any retailer, any restaurant, any annual provider – what do they appetite you to do? Like them on Facebook, chase them on Twitter.” Partnering with Venmo, he said, is like partnering with a credit-card processor, “but with abundant added upside, because the retailers absorb far added aggravating to get you to like them on Facebook and chase them on Twitter and all these added things that they could aloof get as a byproduct of the payment.” Bodies can see area their accompany accept been and what they’ve been buying. It turns the user, and people’s friends, into advertisements for businesses, amid a awful adorable ambition demographic.

This is aloof the alpha of the bulk Venmo offers, too. According to the aforementioned Atlantic article, “the added added advantageous aspect of acceptable merchants’ adopted agency of acquittal is admission to advice about area barter are spending their money.” Crone says “the absolute bulk is in the data, and the adeptness to cede  customized ads and offers, and accomplish a acquirement beck from that.” Crone Consulting has estimated that the abstracts of an alive user’s adaptable payments is “worth added than $400 per year in revenue, to whoever does it.” Venmo has a lot of users (Verto Analytics estimates about 10 million). 

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Currently, this abstracts is recorded by the companies facilitating the transaction, so, banks and acclaim agenda companies. However, if users alpha appliance Venmo instead of their acclaim cards at credibility of sale, the advice will alone appearance up to the banks as a transaction that occurred in Venmo. That apparently has commodity to do with Venmo’s ascent competition, but we’ll get to that in a second.

While it’s adamantine to ascertain Venmo’s acquirement exactly, it’s abacus users faster than ever, and is processing added money every quarter. In the aboriginal division of 2018, it candy $12 billion in volume, up 80% from a year earlier. PayPal, however, appear $13.1 billion in acquirement for 2017.

Nothing affiliated to the Internet is absolutely safe. Therefore, applications that are anon affiliated to consumer’s coffer accounts, like Venmo, allegation be captivated to the accomplished aegis standards.

Venmo uses abstracts encryption to assure users adjoin crooked transactions, and food user advice on servers in defended locations. Venmo additionally allows users to set up a PIN cipher for adaptable appliance use for added security, admitting it does not bulldoze users to set one up, by default. These measures may assume acceptable at aboriginal glance, but they accept been bypassed by hackers and scammers. Venmo has been again criticized for aegis breaches of user accounts and acutely apathetic chump service.

While Venmo’s security, encryption and liabilities allowance evidently assure users from losses, they are accessible for hackers to circumvent. Once they accept acquired admission to a user’s account, hackers can calmly change passwords, affiliated email addresses and coffer accounts unbeknownst to the accepted user. This allows the hacker to accomplish affairs on the user’s annual and alteration the user’s Venmo antithesis to a new coffer account. By alteration the user’s affiliated email address, the hacker can reroute the user’s transaction notifications, abrogation him in the aphotic until his coffer notifies him of a change in his balance, which can be canicule afterwards the theft. Stories of Venmo users accident up to $3,000 accept been broadly reported.

Venmo’s use of argument letters (SMS) to acquaint users of a charge, presents addition aegis risk. Users can accredit a allegation by acknowledging to an SMS they accept from Venmo with a six-digit cipher included in the aboriginal message. By base aegis weaknesses in operating systems that Venmo allegation collaborate with to accelerate its notifications, like iOS, Apple’s adaptable operating system, researcher Martin Vigo was able to use Venmo’s SMS notifications to accomplish crooked payments. As far as hacks go, Vigo’s adjustment is almost accessible to execute. Thus, it is no abruptness that afraid Venmo accounts are a approved occurrence. Accepted online forums like Reddit are abounding with posts from users allurement for advice afterwards of their Venmo accounts accept been hacked. Losses can be as aerial as $2,999, the best bulk one can accept in their Venmo antithesis afore appointment off of the platform.

All this actuality said, users can assure themselves from hacking by afterward some best practices. These include:

Never abundance ample amounts of money in your Venmo balance. Always alteration Venmo affairs to your coffer annual appropriate away.

Only use Venmo to barter funds with bodies you absolutely know. Do not use Venmo to acquirement things from individuals you accept never met, or accept met online.

Opt out of Venmo’s amusing network. The absence ambience for a new Venmo annual is “public,” acceptation Venmo will broadcast your affairs assimilate its accessible feed. Users can change this ambience to “private,” which keeps their affairs hidden.

Turn on your notifications – Push, Text, Email, or some aggregate of them – in adjustment to accumulate clue of login attempts, requests and payments received, and requests and payments sent.

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Set up accessible aegis measures, like a PIN and Touch ID.

As consumers abide to embrace agenda alternatives to payments by banknote and check, user aplomb in the aegis of P2P payments allegation increase. The Federal Trade Agency provides consumers with aegis behavior to losses incurred from debit or acclaim agenda theft. These laws, on top of aggregation policies, assure the chump from crooked charges. Additionally, arising markets accept the abeyant for adopting adaptable acquittal systems, accurately in the branch of remittances. This increases the charge for greater aegis in P2P, as an unsecured, globally chip acquittal arrangement could accept damaging ramifications. Unfortunately, adaptable acquittal platforms abide accessible to Internet-related aegis breaches.

It’s account noting, too, that in May 2016, Texas Attorney General Ken Paxton announced a adjustment with Paypal Inc. apropos Venmo’s practices apropos to privacy, assurance and security. The adjustment included a $175,000 acquittal to the accompaniment of Texas, as able-bodied as reforms of these practices.

Then, in March 2018, Venmo accomplished a adjustment with the Federal Trade Commission. According to a columnist absolution from the commission, the adjustment was apropos the company’s abortion to acknowledge advice to consumers about the adeptness to alteration funds and aloofness settings. The FTC additionally begin the aggregation in abuse of the Gramm-Leach-Bliley Act’s Safeguards Rule “which requires banking institutions to apparatus safeguards to assure the security, acquaintance and candor of chump information,” and Aloofness Rule, “which requires banking institutions to bear aloofness notices to consumers.”

Venmo was appropriate to access biennial, third-party assessments of its acquiescence with the agreement of the adjustment for the abutting 10 years. Violations of these agreement could aftereffect in a civilian amends up to $41,484, each.

So, while the company’s almanac on security, aloofness and acknowledgment is far from perfect, there do assume to be some institutional and acknowledged measures in abode to abode these shortcomings.

The P2P abridgement has huge opportunities for growth, and adaptable P2P payments is the fastest growing area of this industry. According to estimates from eMarketer, in 2017, the US P2P adaptable payment transaction value was $120 billion, and will bifold to $240 billion by 2018. Those aforementioned estimates see the US P2P adaptable acquittal transaction value increasing almost 30%, from 2017-2018, $120 billion to $156 billion.

Tech companies and banks are antagonism to access the P2P market. Square, a P2P aggregation started by Jack Dorsey, a co-founder of Twitter, angry bottomward a $3 billion accord with Apple. Apple went on to absolution Apple Pay. Other tech titans like Alphabet Inc., Facebook Inc., and alike Snap Inc, accept penetrated the adaptable payments bazaar as well. Facebook has congenital a money alteration annual into Facebook Messenger, acceptance users to articulation debit cards and alteration money as calmly as sending a text. On Snapchat, users can artlessly blazon a dollar assurance and the bulk in the babble feature, confirm, and money will be beatific from the debit agenda provided. 

Banks are additionally bent on the P2P train. Zelle, a P2P acquittal app that launched in the summer of 2017, is endemic by seven above banks: Coffer of America, BB&T, Capital One, JPMorgan Chase, PNC Bank, US Bank and Wells Fargo. This is cogent because it allows users to alteration money anon amid coffer accounts, afterwards accepting to accelerate money through an intermediary. This reduces the accident of P2P transactions.

Needless to say, it’s a saturated and awful aggressive marketplace. While Venmo is one of the best acknowledged P2P acquittal applications, blockage in a ascendant bazaar amateur depends on acknowledged expansion, namely by authoritative a comedy for added acceptable affairs at credibility of sale.

Muscling into that amplitude shouldn’t be hard, abnormally on the aback of a able-bodied chump articulation that the aggregation will use to its advantage. From actuality it can abound the acquirement streams above the affairs themselves to partnerships and promotional deals, leveraging its amusing augment as a anatomy of business to attract users. Moving into that space, Venmo would additionally be sitting on a goldmine of user abstracts that it could attending to potentially monetize. For now, though, the aggregation is advance (somewhat paradoxically) in the security, acquaintance and aloofness of its users’ information.

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In animosity of these challenges, Venmo looks able-bodied positioned to attempt in the payments business in the abreast future.

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