# Venmo Reviews 2026. Verified Reviews, Pros & Cons | Capterra > Is Venmo the right Payment Processing solution for you? Explore 9296 verified user reviews from people in industries like yours to make a confident choice. Source: https://www.capterra.com/p/222572/Venmo-/reviews --- Venmo 4.7 (9296) [View alternatives](https://www.capterra.com/p/222572/Venmo-/alternatives/) Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team. [Learn more](https://www.capterra.com/our-story/) * * * Last updated June 3rd, 2026 # Reviews of Venmo Ease of use 4.7 Customer Service 4.4 ## Pros and Cons in Reviews Intuitive and accessible platform 96% positive reviews out of 2381 Most reviewers indicate ease of use, with simple setup, straightforward navigation, and minimal learning curve for all users. Fees and card limitations 43% negative reviews out of 489 Some reviewers indicate credit card transactions incur extra fees, have card restrictions, and present occasional setup difficulties. 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" Seamless transfers among relatives 96% positive reviews out of 561 Most reviewers find family payments easy, quick, and reliable for sending or receiving money with loved ones. Jerad C. Freelance Photographer, 1 employee. "So if friends or family really need some cash for maybe gas or let's say you need money, venmo is the quickest way to send and receive." Default public transaction visibility 66% negative reviews out of 445 Most reviewers report privacy settings default to public, requiring manual adjustments to keep payment details 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 499 Most reviewers describe bill splitting as fast, convenient, and ideal for managing shared expenses without cash. Rebecca R. Production manager, 11 - 50 employees. "The app makes splitting bills, paying friends, or handling small transactions very convenient, and transfers usually happen within seconds." Unwanted transaction sharing feed 56% negative reviews out of 380 Some reviewers feel social features are unnecessary, making financial activity visible and distracting from core payment functions. 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." ## Showing most helpful reviews Showing 1-25 of 9296 Reviews Sort by: Most Helpful Rating Company Size Reviewer's Role Length of Use Frequency of Use Catherine W. Marketing Associate Insurance Used the software for: 1-2 years ### "Excellent payment tool" July 11, 2025 5.0 Overall, Venmo is an extremely easy, quick and useful tool for sending and receiving money. I have used it both personally and with the dog rescue I volunteer with. Pros I like the ease of use, and the privacy protections to be able to use it with strangers, ie. when selling something online. Cons I have recently had some issues with scammers using Venmo to try to get something, money or information, etc. Switched from [PayPal](https://www.capterra.com/p/207944/PayPal/) Venmo is easier to use and the money changes hands more quickly. Review Source VR Verified Reviewer Admin, Customer Service, Sales Support, and Marketing Farming Used the software for: 2+ years ### "Great asset for parents of college students. " March 31, 2026 5.0 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 CH Colleen H. OWNER Automotive Used the software for: 2+ years ### "Alternative options are more user friendly for small business" June 9, 2026 1.0 I set up a business profile for collecting and sending payments for my small business. Once I added my checking account, I proceeded in trying to send a payment and got an error message. I called the customer service number and was told that I could check back later that day. I asked pointed questions to try and understand why the payment wasn't processing, but they couldn't explain to me why it wasn't working or how long it could actually take. There was no attempt, to my knowledge to assist me further with the issue. Pros Setting up my business profile was simple enough, and I was hopeful about using this product for collecting payments for my small business. Cons The verification process was not easy and I had several issues with adding the business bank account for sending and receiving payments. When I reached out to customer service, I didn't have a pleasant experience. I was not given a timeframe for resolution or any possible solutions to the issue... Alternatives considered [PayPal](https://www.capterra.com/p/207944/PayPal/)[Cash App](https://www.capterra.com/p/246167/Cash-App/) Reason for choosing Venmo I already had a non business profile and wanted to be able to send and receive payments through this platform. Review Source JB Jessica B. Owner Health, Wellness and Fitness Used the software for: 2+ years ### "Consider only for convenience " June 18, 2026 2.0 It's convenient but I just don't agree with their customer service or the policy for reasons they block you and for his many times they do infact.. it's annoying Pros The ease of tap to charge your customers for small business p.o.s. and the many different methods of how to withdraw the money to whatever card or account you prefer Cons When you have a problem with your account , not something you're in control of they'll ask you to verify yourself for them to unrestrict your funds for you to use. I had a situation where it was literally life or death and received donations for redemption of a dog from the pound or they would euthanize him the following day. Well I swear Venmo restricted the account and they have a 3 day waiting period for them to look at the documents you uploaded and they cannot bypass that mark it urgent or speed it up no matter the situation Review Source jB julianne B. office Machinery Used the software for: 1-2 years ### "Venmo so easy" June 18, 2026 4.0 easy to use, widely accepted I especially love the ability to create monthly requests or payments. Great! Pros Venmo is an easy way to pay and receive payments with family and friends and small business! Increasingly used by retailers Cons Fees tied to venmo can be a little intimidating for some businesses and not for profits forcing you use a different method Switched from [Cash App](https://www.capterra.com/p/246167/Cash-App/) number of users were vast with venmo. Cash app not so much Review Source SW Sarah W. Owner Apparel & Fashion Used the software for: 1-2 years ### "Vibrant Venmo" June 23, 2026 5.0 My overall experience with Venmo is amazing, the ease of use, and the fees are a small amount compared to others I've used in the past. I don't ever have any bugs or issues with my card/the website. Pros My favorite thing about Venmo is being able to lock my card that way if I lose it, nobody can access my funds, Plus I love the vibrant Venmo cards, my card is SO pretty! you can design it however you like. Cons My least favorite thing about Venmo is when it gets close to the time of me needing a new card, they just send me a new one without telling me anything. Review Source NHH Nguyen H. H. Deputy Service Manager Facilities Services Used the software for: 2+ years ### "It is convenient when it comes to small payments but has some disadvantages." June 13, 2026 5.0 Venmo does a decent job with what we need for our smaller business, particularly if we are on the move or need to reimburse quickly. The charges and sometimes tech glitches, though, make it not the best option for more complicated financial transactions. However, for the ad hoc team spending or a smaller amount of work in facilities services, it is still a flexible and for the most part reliable tool. Pros Venmo can be handy when there's a need for a quick reimbursement or when you want to divy up the cost between two or more colleagues who have been out on site or purchasing equipment. The interface is straightforward and setting up an account was easily done even by less tech-savvy staff. You can link a credit card which comes in very handy if you are at the last of your pet cash on an emergency, and most transactions will be settled in a short time. Cons When we're making payments regularly, the cost of using credit cards could start to really get on top of us. Sometimes there are minor glitches such as notifications or incompletion of transaction details that causes confusion. It also seems more like a personal tool than something geared toward businesses, but it will work for small teams like us. Review Source Mallory T. Executive chef Food & Beverages Used the software for: 2+ years ### "Venmo, cash isn’t king" May 28, 2026 5.0 Overall Venmo is the new way to pay. I feel that it has overshadowed PayPal and that Zelle has not caught on enough to outshine Venmo. Pros I like than Venmo makes it easy to send and receive payment and the QR code is an easy way to make sure payments are going to you Cons I hate the fees that they charge to transfer money. They also charged me for a business transaction when it was not one Alternatives considered [PayPal](https://www.capterra.com/p/207944/PayPal/)[Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/) Reason for choosing Venmo Easy to use and familiar. People trust Venmo Review Source KG Krista G. VP Construction Used the software for: 2+ years ### "Simple and Easy to use" May 6, 2026 5.0 Overall experience is great. Many transactions processed, and many transfers of funds from venmo to bank account done without a hitch. Pros Venmo is an incredibly easy to use for both small business and for personal use. The fees for goods and servics is lower than credit card processesing companies, especially if you have a dedicated business account. Excellent value. Cons Venmo's dispute process is often glitchy and hard to find a resolution. In theory you should be able to do this through the app, but the app dispute process rarely works. Review Source VR Verified Reviewer President Retail Used the software for: 1-2 years ### "Great Application. Easy way for payments" May 14, 2026 4.0 Satisfied with Value for Money Customer Support Ease of Use Credit Card Payments Bugs and Issues Small Business Use Pros Value for Money Customer Support Ease of Use Credit Card Payments Bugs and Issues Fees Small Business Use Cons Fees Value for Money Customer Support Ease of Use Credit Card Payments Bugs and Issues Small Business Use Review Source VR Verified Reviewer Owner Operator Recreational Facilities and Services Used the software for: 1-2 years ### "Venmo overall experience" February 6, 2025 5.0 My overall experience has been good. I downloaded the app about 6 years ago and had a few minor glitches along the way but nothing like what a bank has done. So overall I'd rate this app about most when working with financial matters. Pros Venmo is a quick and easy to follow app that allows you to complete transactions in a expeditious fashion. Cons If a payment is made erroneously, receiving your money back requires a lengthy time frame, upon an investigation. Switched from [PayPal](https://www.capterra.com/p/207944/PayPal/) Paypal was not instantaneous as with Venmo it is a direct payment to pay or receive transactions. Review Source VR Verified Reviewer Student Health, Wellness and Fitness Used the software for: 1-2 years ### "The easiest way to split bills and pay friends" April 21, 2026 5.0 My experience has been mostly good for casual stuff. I use it all the time for small transfers and its been really reliable for that. I even started using a business profile for some side gig work and it was pretty easy to set up although the fees are a little higher than I expected. Its basically replaced cash for me when it comes to paying back friends. As long as you remember to set your account to private it is a great app to have on your phone. Pros I love how almost everyone already has venmo so it makes splitting a dinner bill or paying for my share of the groceries super simple. The qr code feature is also really handy when you are meeting someone for the first time like at a flea market because you dont have to type in a long username and risk sending money to the wrong person. It just works fast and everyone knows how to use it. Cons The worst thing for me is the privacy settings being public by default which is kind of weird for a financial app. I dont really need all my friends seeing what I am buying or who I am paying. Review Source AS Amber S. Business Administrator Business Supplies and Equipment Used the software for: 2+ years ### "Venmo Usage " September 13, 2025 5.0 Overall, I think Venmo is a great tool to management payments between staff. For example, if my coworkers and I go out to lunch we always have one person put it on their credit card while the rest then Venmo what they owe. Another example, we have one person do the buying of Christmas gifts for our Director and President’s in the office, then everyone else Venmo’s their contribution towards it. Pros Venmo is my go to platform when needing to transfer or receive money. I like how people are able to add pictures specifying it is them, the additional code option to type in the last 4 digits of their cell phone number before sending to also confirm, as well as seeing other people’s transactions. Having all my coworkers on the platform made it easier to find others and also remind me who I needed to send money to for whatever they may have bought or covered within our business office. Cons The thing I like least about Venmo is having to pay a fee right away to receive your money immediately, or having to wait the 1-3 business days for transfer. I also don’t like when the app circles due to service issues because sometimes I believe it did not go through or doesn’t load immediately, and almost end up sending the payments twice. Review Source LG Lisa G. Coach and Consultant E-Learning Used the software for: 2+ years ### "Venmo is my FAVORITE card/app to use!" June 17, 2025 5.0 Love it...it's my favorite and most often used card for non-essential purchases. I have people pay me via Venmo for my side-hustle and like that I can turn around an use those funds for other things without having to run it through my bank checking account. Pros I LOVE how easy it is to make payments to my friends sharing expenses. I also have the debit card and use it to access my "play" money. Makes it easy to keep my accounts separate. Cons I also was issued a Venmo credit card, however there's no tying it to the debit account which I think is a missing. I had an experience where I used my debit card and the tip at a restaurant made me go negative in my account. They shut down my card and even though it was link to my checking account it took over a week to straighten out. It would be nice to link the debit card to the credit card in this circumstance. Review Source BY Brian Y. Visa Consulting Specialist Legal Services Used the software for: 2+ years ### "Instant payments of smaller visa transactions." December 25, 2025 5.0 Venmo has proven helpful in gathering smaller consultations fees within a short time, particularly when customers desire a recognized, mobile-first experience to make payments without any forms. Pros I enjoy the speed of payment and the fact that clients can send money with their phones without taking much time to set up. Cons I do not like the restricted business functionality and the random payment flag that make it not as reliable with bigger or more serious client transactions. Review Source VR Verified Reviewer Dental Hygienist Hospital & Health Care Used the software for: 2+ years ### "A great tool" January 8, 2026 5.0 Pros Convenient way to pay that doesn't seem laden with scams. The addition of the ability to buy crypto is a nice touch as well. Cons I would prefer if the bank transfers were quicker without fees, but understand the reasoning behind it. Review Source DG Debra G. Sales manager Consumer Services Used the software for: 2+ years ### "Recommend to all " January 13, 2026 5.0 Good for receiving payments. A lot of people have Venmo which is good. Customer support is great too Pros Free to use and has alot of users. Good for collecting payments and customer service is good experience Cons Doesn’t have too many features like the other apps do. Pretty limited on what you can do and the offers you get Review Source VR Verified Reviewer Regulatory Engineer Medical Devices Used the software for: 1-2 years ### "Great easy money transfer app" March 29, 2026 5.0 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 AF Arianna F. Owner Environmental Services Used the software for: 1-2 years ### "Very easily hacked. " May 2, 2025 1.0 Great until you get hacked. I think it's just another company out here scamming people to make money. Pros Ease of use. Quick transfer and tap to pay. Designing your own card. Cons I received a text regarding fraud alert. I replied fraud. They still let 3 charges go through. I called right away. The guy says that I will have to wait until the charges are processed and not in the pending state. It will be 3 days before I receive an email on their decision. 3 days come around I call back the lady says that there is nothing regarding me calling 3 days ago. The first guy never even made a claim. So she makes the claim. Again tells me I will receive an email. At 4:00 am. I received an email stating that my claim was denied and that they can not prove it was fraudulent charges. Needless to say it totaled out to be $1200. The charges were from a hardware store in Paris. I live in Mississippi. Figure that one out. Review Source VR Verified Reviewer Administrative Assistant Health, Wellness and Fitness Used the software for: 2+ years ### "Seamless Transactions " July 18, 2025 4.0 Overall, Venmo is awesome. The app is free to use, there are no fees/monthly dues for users, transferring money is easy, but not always free. You can easily see how much you have in your venmo account, it's super easy to request or send money. I think that sometimes the public payments aren't necessary but you can change that option to make it private if you choose. Other than the instant transfer fee, it's a great free app to use. Pros Venmo is great. I like the user friendly aspect. I like that you can search people and typically find them right away. I like that you can have emoji's as the subject so you don't have to specifically state what it's for. It's a nice feature that they now have credit and debit cards for those who choose to use them. I also really like that you can request money from people if they've forgotten to pay you! Cons I don't like that you have to pay a fee to transfer money immediately, or you have to wait a few days for the money to be put into your account. Review Source AB Amanda B. assistant manager Retail Used the software for: 2+ years ### "Venmo for the Win!" July 22, 2025 5.0 I have used Venmo for years to send and receive payments. It is great! Quick transfers. I even signed up to get a Venmo banking card because I love the ease of transferring money and completing transactions. Pros Very easy to use! Transactions are safe. I have had no issues sending or receiving payments through venmo. And they even have a venmo card you can use too! Cons I haven't come across anything I disliked really. I sometimes will forget to set my payments to private so it shows publicly. Not a huge deal but I think private should be the default setting Review Source Joshua B. Ceo Construction Used the software for: Less than 6 months ### "Wish i would have read the reviews." August 9, 2025 3.0 Wish i would have never opened an account. Never in my life would i recommend Venmo. Sorry guys professionalism is a must. Pros The app is incredibly easy to use. I had absolutely no problems with the user interface. What i had issues with is the customer support team. I couldn't believe how incredibly rude the customer service rep was. I got locked out of my account, due to losing my phone and logging in from a unknown browser, after 6 days of back and forth, I shut down my account and never looked back. Cons The disappointment, Oh the disappointment. Venmo customer service is incredibly unprofessional. Worst experience ever. Review Source DR David R. Dive Operation Manager Leisure, Travel & Tourism Used the software for: 2+ years ### "Swift phone payments for boat check-in." August 24, 2025 5.0 We can process payments on phones, gratuities are a breeze, and transfers keep up with our pace between marina, shop, and liveaboards. Pros business profiles and QR codes simplify dockside deposits, and guests know the brand, so last-minute additions go smoothly. Cons Support is slow on dispute issues, and credit-card financed payments charges surprise fees to some travelers. Review Source VR Verified Reviewer Notary public and controller Accounting Used the software for: 1-2 years ### "Venmo review " August 18, 2025 5.0 My overall experience has been very well with them. My customer service experience with them was great and they’ve always treated me with respect when I’ve needed help. Pros It’s easy to navigate and figure out how to use and you also have the ability to link your bank accounts or debit cards to it. Cons I’ve only ever had one issue where my account was hacked but they took care of the situation and got me the money back. Review Source KG Kylee G. Director of youth and intern ministries Non-Profit Organization Management Used the software for: 2+ years ### "Best way to send money between friends and family! " August 30, 2025 5.0 Overall I’ve had a very positive experience and highly recommend using Venmo. It’s convenient for business and personal use. The 91 year old lady at church even uses Venmo! That’s how easy it is to use! Pros Venmo is super easy to use for quickly sending money between friends and family. I’ve had zero issues with the app, and their customer service has been excellent. I have had the Venmo debit card for about 6 months and love the ease of use. Cons The only downside is that it can sometimes be a little tricky to find the right person if they have a common name, and there are fees for instant transfers. If you’re able to wait to transfer your money it’s great! Review Source Similar Products Featured ## Related categories [Payment Processing](https://www.capterra.com/payment-processing-software/)[Point of Sale](https://www.capterra.com/point-of-sale-software/) ## Send me user reviews about this product ### Fill out the form and we'll send a list of the top-rated software based on real user reviews directly to your inbox.