P2P Payment Terms Scanner

Analyze peer-to-peer payment terms for fraud liability, instant transfer risks, and why you often can't get scammed money back.

Venmo Zelle Cash App PayPal

P2P Payment Provisions I Check First

These apps are designed for trusted contacts. Using them with strangers? You're likely on your own if scammed.

No Fraud Protection for P2P

High Risk

Zelle and similar services explicitly state: payments are like cash. Send to a scammer? The money is gone. No chargebacks, no refunds.

Look for: "Not intended for purchases" or "cannot be reversed once sent."

Instant Transfer = No Recovery

High Risk

Instant transfers cannot be cancelled. Even "pending" payments may be irrevocable. The speed that makes P2P convenient makes fraud permanent.

Look for: "Instant payments cannot be cancelled" or "irrevocable upon sending."

Account Closure Without Warning

High Risk

Platforms can freeze or close accounts for "suspicious activity" with no appeal. Your balance may be held for 180+ days during investigation.

Look for: "May suspend at sole discretion" or "hold funds for investigation."

Social Feed Privacy

Medium Risk

Venmo's social feed defaults to public. Your transactions visible to anyone unless you change settings. Payment notes can reveal personal info.

Look for: Default privacy settings and data sharing with other users.

Balance Not FDIC Insured

Medium Risk

Money sitting in app balances typically isn't FDIC insured. Platform failure could mean losing your balance.

Look for: "Balances not insured" or FDIC pass-through requirements.

Instant Transfer Fees

Medium Risk

Want your money now? Instant transfers cost 1.5-1.75%. Free transfers take 1-3 business days. Urgency = fees.

Look for: "Instant transfer fee" or "standard transfer timing."

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