The Complete Guide to Paying with Venmo Online and Offline

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Paying with Venmo is a breeze, both online and offline. You can link your debit card, credit card, or bank account to your Venmo account to make payments.

To make an online payment, you can use the Venmo app or website, and simply enter the recipient's email address or phone number. This is a convenient way to pay friends, family, or even merchants who accept Venmo.

In the Venmo app, you can also use the "Pay" feature to send money to someone. You can enter the amount you want to send and a message, and the recipient will receive a notification with the payment details.

The Venmo app is available for both iOS and Android devices, so you can pay on the go.

Transaction Basics

You can use Venmo to send and receive money with ease. To make a payment, you can browse or search for someone to pay, enter the amount, and add a note or emoji to complete the transaction.

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You need to download and install the Venmo app on your phone to pay using Venmo balance instead of using a card. To send Venmo balance to someone, you need to link your Venmo account with your bank account or credit card.

To transfer money from your Venmo account to another Venmo account holder, you can follow these steps: move money from your linked bank or card to your Venmo balance, select the Pay/Request option, search for the person or business, enter the amount, review the details, and tap "Pay".

You can use the Venmo QR code to send or ask for money among contacts. To do this, tap Scan on your profile and scan the unique Venmo QR code. You can also pay a business by scanning the QR code at checkout.

Here are the benefits of using the Venmo QR code:

  • Sending money to friends and family quickly.
  • Paying for goods and services in the US only.
  • Receiving money for goods or services.
  • Sending the actual code so your contacts send you money on Venmo.
  • Adding contacts to your Venmo account.

You can't split payments between your Venmo balance and another payment method. You'll need to pay in full using either method, but not both.

Security and Safety

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Venmo app is a product of PayPal, one of the most secured payment platforms in the world.

PayPal's in-house product, Venmo, has the same security and safety features as PayPal itself. This means you can rely on the app for monetary transactions.

Venmo constantly monitors for frauds and hackers, taking action promptly to keep your transactions safe.

Transaction Privacy Control

Each transaction has a unique privacy setting, so you'll need to adjust it individually if you don't want all your transactions to be visible to others. If you don't change the setting, your transaction may be visible to your friends, family, and other contacts.

You can also change the default privacy for all transactions, but that's a separate setting that requires a different adjustment.

App Safety

The Venmo app is a product of PayPal, one of the most secured payment platforms in the world.

PayPal's in-house product, Venmo, has the same security and safety features as PayPal itself, so you can feel confident using it for transactions.

Credit: youtube.com, Mobile Banking Safety: How to Protect Your Finances Online | NerdWallet

Venmo constantly monitors for frauds and hackers, taking action promptly to keep your money safe.

The app's security features are top-notch, giving you peace of mind when making financial transactions.

You can rely on Venmo to detect and prevent any suspicious activity, so you don't have to worry about your account being compromised.

Does Venmo Work?

To use Venmo, you need to install the app on your phone and link your bank account to get funds for monetary transactions. You can then exchange your Venmo wallet balance with another Venmo user.

Venmo is not a bank, so it comes with certain limitations, including restrictions on transferring funds to people outside the Venmo universe.

You can instantly send funds from Venmo balance by tapping on the payment button, and you can also send funds using the recipient's email address, phone number, or username.

If you choose the free mode, the transfer of funds can take one to three days, but if you agree to pay the Venmo fee, you can send the funds instantly.

Payment Methods

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You can pay with Venmo using your balance, which is a great option if you've already linked a bank account or credit card to your Venmo account. To do this, you'll need to move money from your linked account to your Venmo balance.

To send money from your Venmo balance, simply select the Pay/Request option at the bottom of the screen, search for the person or business you want to pay, and enter the amount you want to send. Review the details and tap "Pay" to complete the transaction.

You can also transfer money from your Venmo account to any other Venmo account holder, making it a convenient option for splitting bills or paying friends back.

In-Store Payments

In-Store Payments can be made using a Venmo QR code at participating businesses.

You can scan the QR code on a screen to initiate payment proceedings.

To complete the transaction, you'll need to approve the purchase on the Venmo app.

In-store payment is currently only available in the US.

Paying via Another App

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Paying via Another App is a convenient way to use your Venmo account. Many popular apps accept Venmo as a payment method, including Delivery.com, GrubHub, Uber, and UberEats.

To start, open an app that accepts Venmo. Not all apps accept Venmo, so check first. Once you've opened the app, use it to shop and add items to your cart order.

Next, review your cart or order to make sure everything is correct. When you're finished shopping, tap the button to review your order.

To pay with Venmo, tap Add a Payment Method at the bottom of your list of payment methods. Then, tap Venmo next to the light-blue icon with a white "V".

Sign in to your Venmo account using your username, phone number, or email address and password. This will authorize the merchant to use your Venmo account as a payment account.

After signing in, tap Authorize to add the merchant as a connected merchant to your Venmo account. This is a quick and easy step.

Finally, place your order by tapping the option to do so. Your order will be charged to your Venmo account, and you'll be all set.

Ordering a Card

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If you're looking to order a Venmo Card, the process is relatively straightforward.

First, you need to open the Venmo app, which has a light-blue icon with a white "V". Tap the icon on your home screen to get started.

Next, tap the "Cards" tab located on the bottom, next to Home.

To sign up for the Venmo Debit Card, tap "Sign up for the Venmo Debit Card" in the Cards tab.

You'll then need to choose your card color, which can be white, pink, blue, black, or purple.

If you want to automatically reload your Venmo debit card when the balance is low, toggle the "Reload Automatically" switch.

Review your information to confirm your address, and if it's wrong, you can change it.

Once you've reviewed your information, tap "Submit" to begin processing your Venmo Debit Card.

Finally, tap "Done" to return to Venmo's homepage.

App Features

You can use Venmo with both an iPhone and Android device, and the app is easy to navigate. To get started, simply download and install the Venmo app for your device.

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To connect your Venmo account to a payment type, tap the three horizontal lines at the top right of the screen (the hamburger menu) and then tap "Settings." In the Preferences section, tap "Payment Methods" to add a bank account, credit card, or debit card.

Venmo charges a 3% fee for payments from connected credit cards. However, sending money from a bank account or debit card is free.

You can easily check your Venmo balance by tapping your account avatar at the top left of the screen.

How to Use

You can use Venmo with both an iPhone and Android device by installing the app and setting up your account. To start using Venmo, download the app from the App Store or Google Play Store and follow the instructions to set up your account.

You can connect your Venmo account to a payment type, such as a bank account, credit card, or debit card. To do this, tap the three horizontal lines at the top right of the screen (the hamburger menu) and then tap "Settings." In the Preferences section, tap "Payment Methods."

Laptop and smartphone showcasing online shopping and mobile payment setup on desk.
Credit: pexels.com, Laptop and smartphone showcasing online shopping and mobile payment setup on desk.

Venmo will charge you 3% for payments from a connected credit card, but you can send money from a bank account or debit card for free. After you have received money from a contact, you can check your balance by tapping your account avatar at the top left.

To pay or receive payments with your Venmo QR code, navigate to the top right of your Venmo home screen and tap the small QR icon next to the search bar. You can scan another user's Venmo QR code to send or request money from friends or pay a business for goods or services.

You can display your unique QR code on your screen by tapping "Venmo me" or by tapping "Pay/Request" on your Venmo home screen and choosing to scan a unique QR code through that screen. To complete a transaction, add a brief memo with text and/or emojis, and tap either "Request" or "Pay."

Here are the steps to follow while sending Venmo balance to someone instead of using a card:

  • Move money from your linked bank or card to your Venmo balance for spending.
  • Select the Pay/Request option which is usually found at the bottom of the screen.
  • Search for the person or business you want to pay.
  • Enter the amount you want to send.
  • Review the details and tap “Pay”.

To make a payment using Venmo, you can browse or search for someone to pay, enter the amount and add any note or emoji to complete the transaction.

Paying at Famous Businesses

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You can use your Venmo balance to make purchases at many famous businesses. Venmo is accepted at participating retailers, both online and in-store.

To use Venmo in-store, simply open the Venmo app and follow the on-screen prompts to allow your camera to scan codes. This will enable you to scan a merchant's QR code or display your own QR code for the merchant to scan.

Some merchants may display a QR code for you to scan, while others may ask to scan your QR code. Either way, you can use the Venmo app to make a seamless and touchless payment.

Venmo is also accepted at online platforms, making it easy to shop and pay with just a few taps. You can even use your Venmo balance to pay bills from some service providers.

Here are some ways you can use your Venmo balance at famous businesses:

Create an App

Creating an app can be a straightforward process. You can start by tapping the Profile icon in the bottom right of the app, which is a common feature in many apps. I've noticed this is often where users can access their account settings or profile information.

To create a Venmo QR code, you can tap the Profile icon in the bottom right and then the QR Code button. This is a simple step that can help streamline payments and transactions.

Uber Eats

Laptop and smartphone display facilitating online shopping using mobile payment technology.
Credit: pexels.com, Laptop and smartphone display facilitating online shopping using mobile payment technology.

Uber Eats is a convenient food delivery service that has introduced Venmo payments for a seamless ordering experience. You can pay for your orders with the Venmo code, making it easy to get your favorite food delivered.

Initially available in the US only, Uber Eats has become one of the biggest food delivery services in the country. Just search for your favorite dish on the app and pay via a QR code!

Frequently Asked Questions

Does Venmo need your bank account?

No, you don't need a bank account to use Venmo, alternative payment methods like credit or prepaid cards are available. We'll explore these options in more detail below.

Danielle Hamill

Senior Writer

Danielle Hamill is a seasoned writer with a keen eye for detail and a passion for storytelling. With a background in finance, she brings a unique perspective to her writing, tackling complex topics with clarity and precision. Her work has been featured in various publications, covering a range of topics including cryptocurrency regulatory alerts.

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