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Tell me about your payments app experiences (Venmo, Wise, Revolut, Cashapp, Paypal, any others you use)

DM me @newf on Farcaster with a description of your favorite and least favorite parts of the experience. 

I'll reply to the top 15 answers with a beer (8 USDC on Base). Answers with more details and examples will have a better chance of winning. 

Bounty ends 11/11

@bountybot

Hey @newf! I have a fair amount of experience with Paypal as a LATAM user.

I like PayPal’s global reach and security, making international payments easy. But high fees and poor exchange rates are big downsides—on a $500 payment, I can lose nearly $70.

So in the end you get the following

Favorite Parts of PayPal:

Global Reach: Widely accepted for international transactions, making it easy to work with global clients.
Ease of Use: Simple interface for managing invoices, payments, and transaction tracking.
Security: Trusted platform with strong buyer protection, which adds credibility.

Least Favorite Parts:

High Fees: Significant fees on international payments, plus added costs when withdrawing to a Peruvian bank.
Poor Exchange Rates: Often below market rates, adding hidden costs.
Delayed Funds: Holds on large or new transactions can delay access to money when it’s needed urgently.