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| Spec | Venmo | Cash App | PayPal |
|---|---|---|---|
| Category | Finance | Finance | Finance |
| Pricing | Free standard transfers + instant-transfer fees | Free personal sends + instant-deposit fees | Free for personal sends + seller fees |
| Toolora score | 85/100 | 86/100 | 84/100 |
| Best for | p2p, payments, us-only, wallet | payments, wallet, investing, p2p | payments, wallet, checkout, transfers |
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