I have and use Venmo! PayPal is still my preferred payment service, but Venmo is really good for sending friends and family quick payments for dinner, movies, car repairs etc. I actually just used it to buy some ponies off Instagram as well. I think Venmo is actually owned by PayPal now? But I noticed they now have a buyer protection you can flip on when you send payment, sort of like the goods and services option in PayPay! The only thing I don’t like is the social aspect of it. You can make payments private but like….what is the point? I don’t need to see what my friends are spending money on. It’s weird.
I’d be careful about accepting payment for Facebook marketplace transactions using apps unless you can verify the account you’re sending money to is legit. There are some crafty scams out there. My dad is trying to sell a couple of couches on marketplace and got what seemed like a legit buyer who wanted to pay using Zelle. He offered to send the payment ahead of seeing the couch which I told my dad seemed odd, but he didn’t listen.
Anyway he got some email from what looked like Zelle support saying that he didn’t have enough money in his account to complete the transaction and he needed to put $500 in. I don’t 100% understand how the scam works….but it goes something like they send you the fake support email and they offer to send you the remainder of the $500 needed to make your account “valid”. Then they ask you to send it back, so essentially you are sending them back money that they never sent to your account (whatever payment the guy said he sent my dad did NOT show in the Zelle app). He figured out that this was a scam before any more info got exchanged, but I can see how that might be easy to fall for! I think Zelle is legit but idk that whole transaction made me wary of the service.
Venmo also has the option to find and send money to accounts using a QR code. I guess people have generated fake QR codes that sends the money elsewhere so you have to watch for that too.
Personally if I am buying off marketplace or any similar online service I typically only buy with cash or I’ll use Venmo if I can watch them pull up their account/QR code in person so I know it’s legit.