Read more: How to choose a rewards credit card For more, learn the difference between Google Wallet and Google Pay, see how payment services are simplifying crypto and discover the best "buy now, pay later" apps.
Read on to find the most popular apps you can use in the US to pay for goods and services, request contactless payment and send money to friends and relatives. Most services will take 1-3 days to complete transfers, while offering faster processing for an additional fee. While online payment services make sending people money as simple as a few taps on your phone, consumers should consider fees and security risks, as well as how quickly they need to transfer funds. On the flip side, usage of online services for interpersonal payments nearly doubled when compared with 2020. Americans' use of paper money for person-to-person payments dropped below 50% for the first time ever in 2021, according to the Federal Reserve Bank of San Francisco.
For settling debts with friends, cash is on its way out.
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