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It is no wonder that payment apps like CashApp , Venmo and Zelle are used by more than 70 percent of Americans. But as you go through that enrollment process, we are doing a number of things behind the scenes to validate you are who you say you are. We can access and look at the risk profile of an email address, for example.”.
In this case, though your enrolled physical card is charged, no actual card data is exchanged between buyer and seller. Payment apps like CashApp or Venmo function much like digital wallets but also tend to include features similar to banking platforms.
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