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There's no shortage of peer-to-peer digital payment apps; in 2017, Zelle joined the ranks of services like PayPal and Venmo as a simple way to send and receive money via your mobile device. But Zelle users have become targets for scammers and fraudsters, leading some experts to question the app's overall safety.
Zelle is safe if you know who you're sending money to
However, Zelle was built by banks and was engineered to be safe. "Zelle is safe because it uses data encryption which offers users increased protection. From a privacy perspective, it's safer than alternatives, like Venmo and Cash App, since it's harder for scammers to access users' personal information," said Nishank Khanna, chief marketing officer at Clarify Capital.
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Ted Rossman, a senior industry analyst at CreditCards.com said, "The key with Zelle is to only send money to people you know and trust. Once the money is sent, it's gone. There's no pending status, no chargeback mechanism, and no buyer protection of any sort. If you send money to the wrong person, you're basically at the mercy of that stranger to send it back."
"I would never suggest using Zelle for a first payment," said Jake Hill, founder of DebtHammer. "If you're exchanging money with someone for the first time, use something like PayPal. The fees are terrible, but PayPal offers a much larger safety net. Once you've established a relationship of trust with this person, then you can begin using Zelle for the convenience of instant wire transfers."
PayPal: One of the oldest peer-to-peer digital transaction apps in existence, PayPal is easy to use and has no fees for exchanging money among friends and family - but the fees are relatively high for purchasing goods and services. More importantly, it offers limited protection when buying goods and services online.
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