Haddii aad rabto inaad si dhakhso ah u dirto qof lacag, waxaad leedahay doorashooyin badan. Laakin labada adeeg ee ugu caansan ee ay dadku isticmaalaan marka loo eego kuwa kale waa PayPal iyo Venmo .

Ujeedada ugu weyn ee labadoodu waa isku mid: inaad lacag ka soo saarto akoonkaaga bangiga qof kale (ama si kale). Si kastaba ha ahaatee, habka sidaas loo sameeyo ayaa waxoogaa ka duwan inta u dhaxaysa Venmo iyo PayPal .

Xitaa haddii aad hore u ogaatay wax kasta oo ay tahay in aad ogaato oo ku saabsan PayPal , waxaa laga yaabaa in aad la yaaban: Waa maxay Venmo , oo waa doorasho ka wanaagsan PayPal ?

Waa maxay Venmo?

Venmo wuxuu^(Venmo) kuu ogolaanayaa inaad si degdeg ah qof ugu dirto lacag adoo isticmaalaya kaarka deynta, kaarka deynta, ama akoonkaaga bangiga. Dad badan ma oga in PayPal runtii leedahay Venmo . Venmo asal ahaan waa adeeg lacag-bixineed ka fudud oo ay bixiso isla shirkad.

Ku darida Faahfaahinta Lacag-bixinta^{(Adding Payment Details)}

Markaad iska diiwaan geliso akawnka Venmo , waxaad u baahan doontaa inaad ku darto hababka lacag bixinta si aad u bilowdo dirida ama helitaanka lacag. Tan waxaad ka heli doontaa liiska abka ee hoos yimaada Hababka Lacag-bixinta^{(Payment Methods)} .

Kaliya dooro ku dar bangi ama kaar^{(Add bank or card)} oo ku buuxi faahfaahinta akoontiga qaabka lacag bixinta.

Marka lagugu daro lacag bixinta, waxaad diyaar u tahay inaad bilowdo isticmaalka abka. 

Dirista ama Codsiga Lacagaha^{(Sending or Requesting Payments)}

Shaashada app-ka ugu weyn waxaad ka taaban kartaa buluuga Dir Payment^{(Send Payment)} icon si aad lacag cusub ugu samayso qof, ama aad u codsato lacag bixin. 

Isticmaalaha kale wuxuu u baahan doonaa akoon Venmo si aad u raadiso magacooda ama aqoonsiga isticmaalaha Venmo si aad lacag ugu dirto.

Waxaad si fudud u baahan doontaa:

1. Dooro isticmaalaha aad rabto inaad lacag u dirto
2. Geli cadadka
3. Geli^(Enter) sababta aad lacagta u dirayso (ikhtiyaar)
4. Deji^(Set) sirta macaamilka ( Prive , Friends , or Public )
5. Dooro Lacag Bixin^(Pay) (ama Codsi^(Request) ) si aad u codsato lacagta qofkaas

Waxaad arki doontaa wax kala iibsiga oo ka soo muuqda bogga ugu muhiimsan abka. Waxaad ku dhejin kartaa macaamilkaas wakhti kasta taariikhda si aad u aragto faahfaahinta lacag bixinta.

Ku wareeji Lacagta Koontadaada Bangiga^{(Transfer Money to Your Bank Account)}

Mar kasta oo uu qof kuu soo diro lacag, waxaad arki doontaa taas oo ka muuqata hadhaaga Venmo . Waqti kasta oo aad jeceshahay waxaad taabsi kartaa isku xirka Balance-ka wareejinta^{(Transfer Balance)} ee ku yaal xagga sare ee liiska si aad lacag ugu xawilo akoonkaaga bangiga ama kaarka deynta.

Bogga hadhaaga wareejinta^{(Transfer Balance)} ayaa tusi doona hadhaagaaga buuxa ee diyaar u ah wareejinta. Waxaad si degdeg ah ugu wareejin kartaa bangigaaga ama kaarka deynta 1% khidmad ah, ama u ogolow inay ku qaadato ilaa saddex maalmood lacag la'aan.

Qaado Kaarka Debit Venmo^{(Get a Venmo Debit Card)}

Waxaa laga yaabaa inaad hore u maqashay kaarka deynta Paypal^{(Paypal debit card)} , kaas oo kuu ogolaanaya inaad si degdeg ah u gasho lacagahaaga Paypal lacag bixinta dukaanka offline ama online kasta^{(any offline or online store)} .

Hadda Venmo waxay bixisaa qaab la mid ah: kaarka deynta  Venmo .

Waxaad isku qori kartaa mid adigoo ku dhejinaya Kaarka Venmo^{(Venmo Card)} ee liiska abka.

Kaliya ka shaqee saaxir si aad isu diiwaangeliso. Waxaad ka dooran kartaa 4 midabada aasaasiga ah. Waa kaarka deynta Mastercard si uu u shaqeeyo inta badan ganacsi kasta. ^(Mastercard)Sidoo kale waa kaadhka abaal- marineed^(Rewards) si aad u kasbato dhibco mar kasta oo aad isticmaasho-mana jiraan jeeg kredit ah ama kharashyo bille ah oo la xidhiidha.

Venmo vs. Paypal : Waa maxay faraqa u dhexeeya?

Waxaa laga yaabaa inaad dareentay in Venmo iyo Paypal ay wax badan wadaagaan. Marka laga reebo is-dhexgal isticmaale oo aad uga duwan, labada adeeg aad bay isugu egyihiin.

Mid ka mid ah farqiga ugu weyn ayaa ah Venmo waxay ku dhowdahay sida adeegga lacag-bixinta iyo shabakada bulshada oo la isku daray mid. Waxaad ku dari kartaa saaxiibo adeegga, taas oo ka dhigaysa mid aad u sahlan in la diro ama laga helo lacag-bixinnada iyaga ka dib.

Kharashyada iyo Kharashaadka^{(Fees and Charges)}

Waxaa jira dhowr farqi oo kale, qaar yar iyo kuwa kale oo muhiim ah. Tusaale ahaan, waa kuwan kala duwanaanshaha khidmadaha.

• Venmo waxay^(Venmo) ku dalacdaa 3% bixinta kaararka deynta; PayPal waxay dalacaysaa 2.9% oo lagu daray $0.30 kharash go'an.
• Wax khidmad ah lagama bixinayo xawilaadda bangiga labada adeeg.
• Wax lacag ah kama bixin bixinta kaarka deynta ee Venmo ; Paypal wuxuu^(Paypal) ku dalacayaa 2.9% oo lagu daray $0.30 kharash go'an.
• Venmo waxay leedahay xadka wax kala iibsiga oo dhan $4,999.99; Paypal kaliya waxay xadidaysaa wax kala iibsiga 10,000$.
• Ula soo bixista lacagta bangigaaga aad ayay ugu dhakhsaha badan tahay Venmo , kaas oo qaata kaliya 1-3 maalmood. Bixinta Paypal waxay qaadan kartaa 3-5 maalmood.

Keebaa Helitaanka Badan?^{(Which Is More Accessible?)}

Waxaad ka geli kartaa labada adeegba isla goob isku mid ah, oo ay ku jiraan mobaylada app-ka, ama labadaba moobilka ama daalacashada desktop-ka. Waxaa jira hal farqi weyn oo aad arki doonto markaad Venmo^{(visit Venmo)} ku booqato browserka oo aad gasho akoonkaaga.

Ma arki doontid dir^(Send) ama Codso^(Request) badhanka buluuga ah ee ku yaal geeska midig ee hoose sida adiga oo ku jira abka. Tani waa sababta oo ah Venmo , waxaad kaliya ku diri kartaa ama codsan kartaa lacag-bixinno adigoo isticmaalaya abka mobaylka. 

Wali waxaad isticmaali kartaa shabakada si aad dib ugu eegto taariikhda wax kala iibsiga, cusboonaysiiso dejinta, ama aad u codsato wareejinta akoonkaaga bangiga ama kaarka deynta.

Sidoo kale, Venmo kaliya ayaa loo heli karaa in lagu isticmaalo gudaha Maraykanka ^(United) . ^(States)Dhinaca kale PayPal waxa ay heli karaan dadka ku nool in ka badan 200 oo wadan.

Paypal sidoo kale si caadi ah ayaa looga aqbalaa meherado badan oo khadka iyo khadka tooska ah.

Venmo oo aad uga cusub, wali waxay helaysaa cag. 

Inaad awood u yeelatid inaad si toos ah wax uga bixiso dukaamada adigoo isticmaalaya adeegyadan waxay la macno tahay inaadan lacag ku xawilin akoonkaaga bangiga ka hor intaadan wax ku iibsan hadhaagaaga.

Lacag u dirida dadka^{(Sending Money to People)}

Shaki la'aan, habka lacagta loogu diro dadka Venmo waa mid aad u fudud oo aad u habaysan. Isticmaalka abka Venmo , runtii waa geedi socod saddex tallaabo ah oo degdeg ah iyada oo aan la helin xulashooyin jahawareer ah ama xulashooyin kale. 

Haddii isticmaaluhu uu leeyahay akoon Venmo , waxaad ku qortaa qaddarka, sabab (haddii aad rabto), haddii aad si guud u wadaagto macaamilka, oo waad dhammaatay. Isticmaalahaagu waa inuu bixiyaa lacag si uu u helo lacagta laakiin Venmo kuma dhibayso faahfaahintaas.

Paypal , dhanka kale, waxay leedahay Dir^(Send) , Codsi^(Request) , Crypto , iyo badhammo badan oo ku yaal bogga ugu weyn, oo lagu dhex daray dhammaan noocyada macluumaadka kale ee ku hareeraysan dashboard-ka weyn. Sidoo kale aad uma fududa in la helo isku xirka si aad lacagta ugu xawilato bangigaaga ama kaarka deynta.

Oo marka aad doorato Dir^(Send) , nidaamku ma aha foom fudud. Waa saaxir tallaabo tallaabo ah oo beddelaya xulashooyinka soo socda iyadoo ku xiran doorashadaada iyo cidda aad lacag u dirayso.

Tallaabada ugu horreysa ee saaxirku waxay u egtahay mid fudud oo ku filan.

Laakin ka dib markaad doorato Continue , waxaad arki doontaa faahfaahinta wax kala iibsiga oo sida muuqata aad bedeli karto, sida lacagta, haddii aad u dirayso^(Sending) saaxiib, iyo koontada aad ku direyso.

Haddii aad doorato inaad bedesho akoontiga, waxaad arki doontaa inaad isticmaali karto akoonkaaga Paypal ama aad si toos ah uga soo diri karto akoonkaaga bangiga.

Waa maxay sababta ay u jiraan xulashooyin badan oo Paypal ah halka Venmo uu yahay hab fudud oo 3-tilaabo ah?

Sababta oo ah Paypal waxa uu u kala saaray qaab-dhismeedka khidmadaha adag ee ku xidhan haddii lacag-bixinuhu yihiin kuwo caalami ah iyo waxa lagu bixiyo.

Tusaale ahaan haddii aad lacag u dirayso saaxiib waxaad dooran kartaa inaad bixiso kharashka ama qaataha ayaa bixiya. Ama waxaad dooran kartaa inaad iska bixiso alaabta ama adeegyada, markaasi qofka qaataha ahi waa inuu bixiyaa kharashka oo uu daboolo Ilaalinta Iibka Paypal^{(Paypal Purchase Protection)} .

Marka, dhinaca kale, Paypal waxaa laga yaabaa inay bixiso astaamo iyo doorashooyin badan. Laakin Venmo waxa^(Venmo) ay fududaysaa habka wax kala iibsiga oo dhan iyada oo habaynaysa khidmadaha iyo faahfaahinta kale, taas oo kuu ogolaanaysa in aad ku dhameysato habka lacag bixinta dhawr jeer oo fudud.

Tixgelinta Kale

Dhowr farqi oo kale oo muhiim ah oo aad ku xisaabtanto ka hor intaadan samayn doorashadaada u dhexeeya Venmo vs. Paypal :

• Paypal waxay ku siisaa Ilaalinta Iibka^{(Buyer Protection)} ee maskaxda marka aad wax ka iibsanayso meherad^{(purchasing from a business)} .
• Paypal waxay bixisaa amaah ganacsi.
• Waxaad ku iibsan kartaa ama ku iibin kartaa cryptocurrency Paypal .

Marka la barbardhigo Venmo vs. Paypal , waxaan isticmaalnay laba xisaabood oo buuxa si aan u baarno isdhexgalka isticmaalaha, habka macaamilka, sifooyinka, khidmadaha, iyo wareejinta dheelitirka.

Ugu dambeyntii, Venmo iyo Paypal waxay sameeyaan wax la mid ah. Labaduba waxay lacag ka helaan akoonkaaga bangiga ama kaarka deynta iyo qof kale. Farqiga ayaa ah in Paypal uu xoogaa ka dhib badan yahay isticmaalka, laakiin wuxuu bixiyaa astaamo iyo adeegyo badan oo badan. 

Venmo waxay u fiican tahay qof aan rabin inuu wax ka qabto gambaleelka iyo foorida, oo kaliya doonaya app fudud inuu qof u soo diro xoogaa lacag ah sida ugu dhakhsaha badan oo fudud sida ugu macquulsan.

What Is Venmo and Why Is It Better Than PayPal?

If you want to send someone money quickly, уou have many choices. But the two most popυlar sеrνices mоre people use than any other is PayPal and Venmo.

The main purpose of both is the same: to get money out of your bank account into someone else’s (or the other way around). However, the process of doing so is slightly different between Venmo and PayPal.

Even if you already know everything there is to know about PayPal, you may be wondering: What is Venmo, and is it a better option than PayPal?

What Is Venmo?

Venmo lets you send someone money instantly using either a credit card, a debit card, or your bank account. Many people don’t realize that PayPal actually owns Venmo. Venmo is essentially a simpler, alternative payment service offered by the same company.

Adding Payment Details

Once you sign up for a Venmo account, you’ll just need to add payment methods to start sending or receiving money. You’ll find this in the app menu under Payment Methods.

Just select Add bank or card and fill out the account details in the payment method form.

Once you have a payment added, you’re ready to start using the app. 

Sending or Requesting Payments

From the main app screen you can tap the blue Send Payment icon to create a new payment to someone, or request a payment. 

The other user will need a Venmo account so that you can search for their name or Venmo user ID to send payment.

You’ll simply need to:

1. Select the user you want to send money to
2. Enter the amount
3. Enter the reason you’re sending the money (optional)
4. Set the privacy of the transaction (Prive, Friends, or Public)
5. Select Pay (or Request) to request the amount from that person

You’ll see this transaction appear on the main page of the app. You can tap that transaction at any time in the history to view the payment details.

Transfer Money to Your Bank Account

Whenever someone sends you money, you’ll see that appear in your Venmo balance. At any time you like you can tap the Transfer Balance link at the top of the menu to transfer money to your bank account or credit card.

The Transfer Balance page will show your full balance available to transfer. You can do an instant transfer to your bank or credit card for a 1% fee, or allow it to take up to three days with no fee.

Get a Venmo Debit Card

You might have already heard about the Paypal debit card, which lets you access your Paypal funds instantly for payments at any offline or online store.

Now Venmo offers the same feature: the Venmo debit card. 

You can sign up for one by tapping Venmo Card in the app menu.

Just work through the wizard to sign up. You can choose from 4 basic colors. It’s a Mastercard debit card so works at mostly any business. It is also a Rewards card so you can earn points every time you use it – and there’s no credit check or monthly fees associated with it.

Venmo vs. Paypal: What Are the Differences?

You may have noticed that Venmo and Paypal have a lot in common. Other than a very different user interface, the two services are very similar.

One of the main differences is Venmo is almost like a payment service and social network combined into one. You can add friends on the service, which makes it more convenient to send or receive payments from them later.

Fees and Charges

There are a number of other differences, some slight and others significant. For example, here are the differences in fees.

• Venmo charges 3% for credit card payments; PayPal charges 2.9% plus a $0.30 fixed charge.
• No fees for bank transfers with either service.
• No fee for debit card payments with Venmo; Paypal charges 2.9% plus a $0.30 fixed charge.
• Venmo has a transaction limit of $4,999.99; Paypal only limits transactions at $10,000.
• Withdrawing money to your bank is faster with Venmo, which only takes 1-3 days. Paypal withdrawals can take from 3-5 days.

Which Is More Accessible?

You can access both services on the same platforms, including the mobile app, or both the mobile or desktop browsers. There is one big difference you’ll notice when you visit Venmo on a browser and log into your account.

You won’t see a Send or Request blue button on the lower right corner like you do in the app. This is because with Venmo, you can only send or request payments using the mobile app. 

You can still use the website to review your transaction history, update settings, or request a transfer to your bank account or credit card.

Also, Venmo is only available for use within the United States. On the other hand PayPal is available to people in over 200 countries.

Paypal is also more commonly accepted across many online and offline businesses.

Venmo being much newer, is still getting a foothold. 

Being able to pay for things directly in stores using these services means you don’t have to transfer money to your bank account before you can buy things with your balance.

Sending Money to People

Without a doubt, the process of sending money to people with Venmo is much simpler and more streamlined. Using the Venmo app, it’s really just a quick three step process without any confusing options or other choices. 

If the user has a Venmo account, you type the amount, a reason (if you want), whether to share the transaction publicly, and you’re done. Your user will have to pay a fee for receiving the money but Venmo doesn’t bother you with those details.

Paypal, on the other hand, has Send, Request, Crypto, and More buttons on the main page, mixed among all kinds of other information cluttered around the main dashboard. It’s also not very easy to find the link to transfer money to your bank or credit card.

And once you do select Send, the process isn’t a simple form. It’s a step by step wizard that changes the next options depending on your choices and who you’re sending money to.

The first step of the wizard looks simple enough.

But then after you select Continue, you’ll see details of the transaction that apparently you can change, like currency, whether you’re Sending to a friend, and what account you’re sending with.

If you choose to change the account, you’ll see you can use your Paypal account or send directly from your bank account.

Why are there so many choices with Paypal while Venmo is such an easy 3-step process?

It’s because Paypal has layered in more complicated fee structures depending on whether payments are international, and what is being paid for.

For example if you’re sending money to a friend you can choose to pay the fee or have the recipient pay it. Or you can choose to pay for goods or services, in which case the recipient has to pay the fee and have it covered by Paypal Purchase Protection.

So, on the one hand, Paypal may offer more features and choices. But Venmo simplifies the entire transaction process by standardizing fees and other details, letting you finish the payment process in just a few, simple clicks.

Other Considerations

A few other important differences to take into account before you make your choice between Venmo vs. Paypal:

• Paypal offers Buyer Protection peace of mind when you’re purchasing from a business.
• Paypal offers business loans.
• You can buy or sell cryptocurrency with Paypal.

In comparing Venmo vs. Paypal, we used two full-membership accounts to examine the user interface, transaction process, features, fees, and balance transfers.

Ultimately, Venmo and Paypal do the same thing. They both get money out of your bank account or credit card and into someone else’s. The difference is that Paypal is a little bit more complicated to use, but offers many more features and services. 

Venmo is best for someone who doesn’t want to deal with bells and whistles, and just wants a simple app to send someone some money as quickly and easily as possible.

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