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Your Protections With a P2P App
Kiplinger's Personal Finance
|October 2025
PEER-TO-PEER payment services such as Cash App, PayPal, Venmo and Zelle offer an easy way to transfer money to friends, family and businesses.
If you frequently send and receive money with a P2P service, make sure you know what your protections are if you become a victim of a scam or find fraudulent activity on your account.
Your legal right to reimbursement depends on whether you authorized the payment in question. If a scammer tricks you into sending money for goods that never materialize, or if a crook poses as someone you know and requests funds from you, you may never get the money back because you made the payment yourself.
This story is from the October 2025 edition of Kiplinger's Personal Finance.
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