# Venmo Software Pricing, Alternatives & More 2026 | Capterra > With the help of Capterra, learn about Venmo Software - reviews, pricing plans, popular comparisons to other Payment Processing products and more. Source: https://www.capterra.com/compare/161981-222572/GUSTO-vs-Venmo- --- # Venmo Software Review 2026: Features, Integrations, Pros & Cons Last updated on March 13, 2026 Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team. [Description](#description)[Use cases](#use-cases)[Alternatives](#alternatives)[Users](#users)[Pros and Cons](#pros-cons)[Features](#features)[Pricing](#pricing)[Integrations](#integrations)[Support](#support)[Reviews](#reviews) Venmo ## What is Venmo? Mobile-based social commerce platform that enables users to carry out money transmission across all types of purchases. It helps with managing bookkeeping and receiving customer insights. Payments can be made through the app and in-person via a QR code. Retailers can create a business profile to simplify checkout and appear in the Venmo's customer feeds. Customer loyalty is enhanced by the possibility of implementing targeted rewards and cash back experiences. ## What is Venmo used for? [Payment Processing](https://www.capterra.com/payment-processing-software/)[Point of Sale](https://www.capterra.com/point-of-sale-software/) Top alternative Featured Overall rating Based on 9,270 user reviews Reviews sentiment Positive 95% Neutral 3% Negative 2% Pros & cons Intuitive and accessible platform Convenient family money transfers Credit card fee and limitations Default public transaction visibility Contact vendor for pricing Free trial not available Capterra Shortlist charts the highest-rated and most popular products... Our "Best of" badge program showcases products with the highest ratings... Our "Best of" badge program showcases products with the highest ratings... Do you work for Venmo?[Manage this product listing](https://digitalmarkets.gartner.com/get-listed/claim-bx?url=https://www.paypal.com&name=Venmo) ## Compare with a popular alternative Capterra selects software alternatives based on relevant features, verified user reviews and user interactions. Placement may be influenced by client status. ### Venmo 4.7 (9,270) VS. [4.6 (3,304)](https://www.capterra.com/p/123889/Stripe/reviews/) Starting Price Contact vendor Starting Price Contact vendor Free Trial Free Version Pricing Options Free Trial Free Version Ease Of Use 4.7 (9,269) Ease Of Use 4.5 (26,261) Value For Money 4.8 (5,759) Value For Money 4.4 (20,123) Customer Service 4.4 (5,031) Customer Service 4.2 (20,380) ## Venmo alternatives [4.2 (1,991)](https://www.capterra.com/p/135757/NetSuite/reviews/) Starting price Contact vendor for pricing Pricing Options Free Trial Free Version User Rating 85% of reviewers rated it above 4 stars [3.8 (33)](https://www.capterra.com/p/149107/Virtual-Terminal/reviews/) Starting price Contact vendor for pricing Pricing Options Free Trial Free Version User Rating 67% of reviewers rated it above 4 stars [4.0 (117)](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/reviews/) Starting price $99.00 Per User, Per Month Pricing Options Free Trial Free Version User Rating 75% of reviewers rated it above 4 stars Highest Rated [PayPal](https://www.capterra.com/p/207944/PayPal/) [4.6 (26,283)](https://www.capterra.com/p/207944/PayPal/reviews/) Starting price $0.29 Per User, Per Month Pricing Options Free Trial Free Version User Rating 94% of reviewers rated it above 4 stars [Learn More](https://www.capterra.com/p/207944/PayPal/) [View all alternatives](https://www.capterra.com/p/222572/Venmo-/alternatives/) ## Who uses Venmo? Based on Capterra reviews from the past year Talk to a software expert to get a free software list tailored to your business needs ## Pros and Cons Intuitive and accessible platform 96% positive reviews out of 2374 Most reviewers find ease of use notable, highlighting straightforward setup, clear instructions, and quick transaction processing. Credit card fee and limitations 43% negative reviews out of 484 Some users report credit card transactions incur extra fees, have card restrictions, and occasional processing or linking issues. Kristen M Owner, 2 - 10 employees. "I can say the only thing that I didn't like about venmo was the fact that certain cards weren't allowed like let's say I have a MasterCard and I want to add money to my venmo" Convenient family money transfers 96% positive reviews out of 559 Most users report family payments are simple, quick, and widely adopted for sending or receiving funds among relatives. Kathleen O Owner, 1 employee. "I love that I can easily transfer money back and forth between friends and family." Default public transaction visibility 66% negative reviews out of 441 Most reviewers indicate privacy settings default to public, requiring manual adjustments to keep transactions private. Alicia F Owner, 1 employee. "I don't like how your payments can be made public, each time to ensure your own privacy you have to change the setting from public to private." Effortless group expense management 97% positive reviews out of 497 Most reviewers describe bill splitting as fast, reliable, and ideal for sharing costs with friends, roommates, or colleagues in various group settings. Will D Project Accountant, 51 - 200 employees. "I love that I can easily send money to friends or others to conveniently pay for goods and services or split bills." Unwanted social media elements 57% negative reviews out of 378 Some reviewers feel social features are unnecessary, distracting, and make transaction details visible to others by default. Rick F Office Operations Manager, 2 - 10 employees. "I don't like the social aspect in terms of other users seeing my financial activity, but this feature is easily disabled." ## Features Features with the highest number of reviews are displayed first. Those that have no reviews appear next, sorted alphabetically. Mobile Payments 4.8 (1,724) 60.44% of 1724 reviewers that rated this feature as important or highly important Venmo gives you the flexibility to send and receive money instantly from anywhere using your phone. Reviewers appreciate the convenience, speed, and ability to split bills or accept payments remotely, though some mention occasional account lockouts and issues with searching for accounts. Data Security 4.6 (1,645) 62.49% of 1645 reviewers that rated this feature as important or highly important It helps you feel secure by using encryption, two-factor authentication, and privacy controls to protect your financial data. Reviewers indicate strong trust in Venmo’s security, though a few mention rare account lockouts and concerns about transaction visibility. Online Payments 4.7 (1,580) 56.96% of 1580 reviewers that rated this feature as important or highly important With this capability, you can make fast, secure payments online or through the Venmo card. Users think it’s easy to pay on websites, split bills, and receive funds instantly, but some mention limited merchant acceptance and occasional payment failures. Debit/Credit Card Processing 4.6 (1,385) 54.30% of 1385 reviewers that rated this feature as important or highly important Venmo offers you the option to link multiple debit and credit cards for quick, secure payments and transfers. Reviewers appreciate the ease of setup and flexibility, though some report occasional card errors, fees for credit cards, and a waitlist for the Venmo credit card. In-Person Payments 4.5 (1,197) 44.36% of 1197 reviewers that rated this feature as important or highly important Venmo allows you to make fast, contactless payments in person using QR codes or usernames. Some reviewers find it convenient for splitting bills, sales, and donations, while others mention it’s less used than online options and note minor interface quirks. ACH Payment Processing 4.4 (1,027) 43.62% of 1027 reviewers that rated this feature as important or highly important Accept electronic bank-to-bank transfers using a network called the Automated Clearing House (ACH) Venmo 16 features Accept electronic bank-to-bank transfers using a network called the Automated Clearing House (ACH) Accept and process credit card transactions It helps you feel secure by using encryption, two-factor authentication, and privacy controls to protect your financial data. Reviewers indicate strong trust in Venmo’s security, though a few mention rare account lockouts and concerns about transaction visibility. Venmo offers you the option to link multiple debit and credit cards for quick, secure payments and transfers. Reviewers appreciate the ease of setup and flexibility, though some report occasional card errors, fees for credit cards, and a waitlist for the Venmo credit card. Electronically collect payments for goods or services Venmo allows you to make fast, contactless payments in person using QR codes or usernames. Some reviewers find it convenient for splitting bills, sales, and donations, while others mention it’s less used than online options and note minor interface quirks. Venmo gives you the flexibility to send and receive money instantly from anywhere using your phone. Reviewers appreciate the convenience, speed, and ability to split bills or accept payments remotely, though some mention occasional account lockouts and issues with searching for accounts. Process payments via multiple modes directly through the application With this capability, you can make fast, secure payments online or through the Venmo card. Users think it’s easy to pay on websites, split bills, and receive funds instantly, but some mention limited merchant acceptance and occasional payment failures. Allow customers to make a partial payment on an invoice and track remaining debt Accept, record, and reconcile financial transactions Accept and process customer payments for products or services using hardware and software Design, communicate, and distribute incentives to perform a specific action View and track pertinent metrics to find patterns and gain insights from data Reports specific to sales analysis for trends and strategies Record of all transactions such as purchases, deposits, withdrawals and transfers within a specific period Get Advice We can help you find the software with the features you need. Features 4.6 (9,269) 4.6 Based on 9,269 reviews ## Pricing Value for money 4.8 (5759) ### Starting price Contact vendor for pricing Free trial available Value for money 4.8 (5,759) 4.8 Based on 5,759 reviews ## Integrations [ PayPal](https://www.capterra.com/p/207944/PayPal/)[ Meta for Business](https://www.capterra.com/p/213257/Facebook/)[ Cash App](https://www.capterra.com/p/246167/Cash-App/)[ PayPal Enterprise Payments](https://www.capterra.com/p/213069/Braintree/) Connect with a Capterra advisor for a free 15-minute consultation Get a personalized software list aligned to your business needs with guidance from our expert advisors. Our team has helped 1 million+ businesses like yours find options that fit their needs. ## Support, customer service and training options Customer Service 4.4 (5031) Support - Email/Help Desk - FAQs/Forum - Knowledge Base - Phone Support - 24/7 (Live rep) - Chat Training - In Person - Live Online - Webinars - Documentation - Videos Deployment - Web - Android - iPhone/iPad Typical users - Freelancers - Small businesses - Mid size businesses - Enterprises Customer Service 4.4 (5,031) 4.4 Based on 5,031 reviews ## User reviews Overall rating 4.7 Based on 9,270 reviews Filter by rating 5(7396) 4(1428) 3(299) 2(83) 1(64) Mentioned topic Sorted by most recent AU Anonymous User Admin, Customer Service, Sales Support, and Marketing Farming ### "Great asset for parents of college students. " 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 March 31, 2026 It has been great. I can buy items on Market place, pay my hairstylist, and send $ to my adult children for their birthdays etc. Pros I started using Venmo to send my college student kids money. I sent my daughter a card in the mail with cash one time and it was stolen. Venmo solved this problem and it was very easy to use and made it easy to send them money when they needed it. Cons I do worry when I'm sending $ that it is going to the correct place. I have never had an issue though. Switched from [Cash App](https://www.capterra.com/p/246167/Cash-App/) Not everyone uses cash app. Venmo seems to be the go to. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. AU Anonymous User Regulatory Engineer Medical Devices ### "Great easy money transfer app" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 0.0 0.0 Likelihood to Recommend 10/10 March 29, 2026 Pros Great way to pay others back quickly and track small expenses. Saves a ton of time and is very accessible. Cons There is no protection of your money if you accidentally Venmo the wrong person (unless you select business purchase) Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. EH Erica H. HR Analyst Financial Services ### "An Essential!" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 March 23, 2026 Pros Venmo is so easy to use and makes payments between different people so simple! I also have a Venmo debit card, and it has been so easy and Customer Support has been very helpful. Cons There is hardly anything negative I can say about Venmo. There can be some scams that come through, but that's any payment platform. Venmo Customer Support has ALWAYS been helpful in protecting my information and rectifying issues. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. Essence W. University Researcher E-Learning ### "Its Gets the Job Done" 4.0 Overall Rating 4.0 4.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 March 23, 2026 Pros I love that everyone (mostly) I know has it and its so easy to use. I do feel more secure using it than other apps Cons I am completely scared of any data breaches or some information being taken in this day of age. Don't like putting account in there Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. PK Paul K. President Real Estate ### "Venmo - Easy Payments!" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 March 20, 2026 Overall, Venmo is my preferred choice for collecting and sending payments to clients and vendors. With low fees and top notch customer support, it is an excellent choice for your business and personal needs. Pros One of the best things about Vennmo is its easy to use payment processing systems for credit card payments. As a small business owner, Venmo is my choice for collecting payments. Cons The biggest con with Venmo is that it is sometimes difficult to find a specific person to request or send money to. Alternatives considered [Cash App](https://www.capterra.com/p/246167/Cash-App/) Reasons for choosing Venmo Venmo allows a much wider use of collections and processing, while Cash App was limited in security and processing capabilities. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. BC Beth C. HR Training Coordinator Chemicals ### "Easy peasy " 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 March 19, 2026 I use Venmo monthly and have never had an issue! I always switch my payments to private since I do not want visibility into my payments. Pros I like how easy it is to find people to that I need to pay. I also like the quickness of the free bank transfer. Cons I do not like how often there are Advertisements to use their Venmo card. Otherwise everyone is great! Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. SR Savannah R. Owner, D.C. Health, Wellness and Fitness ### "Great and easy to use! " 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 March 17, 2026 I love using Venmo! It is a great option when it comes to mobile payments. So user friendly and lots of options available on the app. Pros This is a great way to send payments hassle free! It even has the option to turn on a service to protect your funds. So easy to use! Cons It does take 1-3 business days to retrieve your funds from your account without a fee. However, it normally appears the next business for me. Alternatives considered [PayPal](https://www.capterra.com/p/207944/PayPal/) Reasons for choosing Venmo The app itself was more user friendly and easy to operate! Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. HT Hailie T. Staff Food & Beverages ### "Satisfied and will continue using" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 March 4, 2026 My overall experience with Venmo is great. Easy to use, money is processed almost instantly with proper network connection. You can use your credit and debit card. I use it when paying friends, paying strangers, and paying small businesses. Pros Venmo allows you to easily transfer money to someone. Payment is sent immediately to that person via debit or credit card of your choice. The software is free of charge to use which is great value. Good for transactions between friends, Facebook marketplace or a payment option for small businesses. Minimal issues with use. Cons Sometimes the app lags causing the payment to not send but typically it resolves within minutes. The act of withdrawing a balance is simple although it costs a small fee to withdrawal unless it is sent to your bank account. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. PD Patricia D. Loan servicing representative Banking ### "Lifesaver for me" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 February 26, 2026 My overall experience has been great with Venmo. The app is very simple to use and navigate through. This app has been a lifesaver especially in an emergency situation. Pros Venmo is so user friendly even my 72 year old parents can use it easily without help. It eliminates the wait times for writing a check and having to have that uncomfortable conversation. Cons Venmo charges a fee to have it transferred instantly. I would like to see the fee less but understand the reason there is a charge. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. JG Jennifer g. Librarian Libraries ### "I love it!" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 February 23, 2026 My overall experience with venmo has been so great and convienent to be able to pay or receive money fast. Pros The pros to venmo are ease of use and quick payment processing. I love how easy it is to use!!!!!!!! Cons The only con to venmo that I can think of is people being able to use it to set up fake accounts and scam. Switched from [Cash App](https://www.capterra.com/p/246167/Cash-App/) Venmo could connect to my bank and cash app could not. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. [View all Reviews](https://www.capterra.com/p/222572/Venmo-/reviews/) Popular comparisons [PayPal vs Venmo](https://www.capterra.com/compare/207944-222572/PayPal-vs-Venmo-)[Stripe vs Venmo](https://www.capterra.com/compare/123889-222572/Stripe-vs-Venmo-)[Square Payments vs Venmo](https://www.capterra.com/compare/170278-222572/Square-Payments-Processing-vs-Venmo-)[Square Point of Sale vs Venmo](https://www.capterra.com/compare/222572-275802/Venmo--vs-Square-Point-of-Sale)[Afterpay vs Venmo](https://www.capterra.com/compare/222572-229452/Venmo--vs-Afterpay)[authorize.net vs Venmo](https://www.capterra.com/compare/221412-222572/authorizenet-vs-Venmo-) [Shopify vs Venmo](https://www.capterra.com/compare/83891-222572/Shopify-vs-Venmo-)[PaySimple vs Venmo](https://www.capterra.com/compare/146664-222572/PaySimple-vs-Venmo-)[Google Pay vs Venmo](https://www.capterra.com/compare/212826-222572/Google-Pay-vs-Venmo-)[Stax vs Venmo](https://www.capterra.com/compare/157492-222572/Fattmerchant-Payments-Online-vs-Venmo-)[Nomod vs Venmo](https://www.capterra.com/compare/176749-222572/Nomod-vs-Venmo-)  Independent research methodology Capterra's researchers use a mix of verified reviews, independent research and objective methodologies to bring you selection and ranking information you can trust. 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