HOW TO USE PEER-TO-PEER MOBILE PAYMENT APPS

Send and receive money using Zelle®, Venmo®, PayPal® and Cash App®.

Peer-to-peer (P2P) mobile payment apps make it easy and convenient to make cashless electronic money transfers between you and someone else using your mobile device.

At Desert Financial, a member can transfer funds to another member using the Transfers feature in our mobile banking app (and in Online Banking). If you’d like to send and receive money to someone who is not a Desert Financial member, there are peer-to-peer mobile payment app options including: Zelle, Venmo, PayPal and Cash App. Depending on which app you use, you can transfer money with your Desert Financial debit card, credit card and/or bank account.

You may want to bookmark this page as a reference while navigating how to use these apps.

Safety to Remember

  • Be sure you are sending your money to the correct person.
  • Be certain the transaction you are sending is correct. Once sent, you are not guaranteed the funds back.

Using the Zelle Mobile App

TRANSFER MONEY

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After downloading the Zelle app, tap Sign Up to create a new account and follow the instructions as indicated by the app that will include linking your debit card.

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Enter the recipient or sender’s email address or mobile number.

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Enter the amount to send or receive.

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If the recipient or sender is enrolled in Zelle with a partner bank or credit union, money will be moved in minutes.

Important: If the recipient or sender is not enrolled with a Zelle partner bank, you (as a Desert Financial member) will not be able to transfer funds. Desert Financial is not a part of Zelle’s partner network and at least one party is required to be enrolled with a Zelle partner bank or credit union.

HELPFUL NOTES

  • You will need to download the app and enter your Desert Financial debit card information.
  • Zelle does not charge a fee to make instant same-day transfers.
  • Desert Financial members are limited to sending $500 per week because Desert Financial is not in Zelle’s network.

Using the Venmo Mobile App

TRANSFER MONEY

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Open the Venmo app, select Personal tap Sign Up to create an account and follow the instructions as indicated by the app that will include linking your debit/credit card or bank account.

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Tap Pay or Request.

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Select or add the recipient or sender using their name, @username, phone or email.

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Tap Pay or Request, add the amount and tap Request or Pay.

HELPFUL NOTES

  • Use the personal QR code feature to send money easily and quickly.
  • Standard bank transfers with a linked bank account typically take 1–3 business days with no fee.
  • Instant transfers to a bank account or Visa® debit card require a fee charged by Venmo.

Using the PayPal Mobile App

TRANSFER MONEY

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Open the PayPal app, tap Sign Up to create an account and follow the instructions as indicated by the app that will include linking your debit/credit card or bank account.

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Tap Send or Request.

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Enter the recipient or sender’s email or mobile number.

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Enter the amount (tap Next); select Friends and Family (tap Next); choose a payment method (tap Next) — then tap Send. Or, enter the amount (tap Next) — then tap Request Now.

HELPFUL NOTES

  • A fee is charged by PayPal for sending personal payments using a debit/credit card and for depositing funds from PayPal into your bank account using a debit card.
  • A fee is charged by PayPal for instant withdrawals from PayPal to a bank account or card.
  • There is no fee charged for standard transfers to a bank account. Transferring funds from PayPal to a bank account typically takes 1–3 business days to process.

Using the Cash App Mobile App

TRANSFER MONEY

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Open the Cash App mobile app, enter your phone number or email to create a new account and follow the instructions as indicated by the app that will include linking your debit/credit card or bank account.

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Enter the amount to request or pay.

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Enter the sender or recipient’s name, phone, email or $Cashtag®. (What is a $Cashtag?)

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Tap Request or Pay.

HELPFUL NOTES

  • Use the QR code feature to send money easily and quickly.
  • There are no fees to send or receive money. Deposits to your bank account are free and take 1–3 business days to process.
  • Instant deposits to your debit card are subject to a fee charged by Cash App.

Pay Anyone, a P2P program currently offered by Desert Financial, is available to established members. To learn more, visit your local branch or contact the Member Experience Center at (602) 433-7000.


FAQs

Zelle
Venmo
PayPal
Cash App

Additional Resources

Visa® Debit Card member Benefits

Learn More

What Are Mobile Payment Apps and How Do You Use Them?

Learn More

Get Down with the Digital Wallet: How to Use It and Why

Learn More

Desert Financial Credit Union is not affiliated with Zelle, Venmo, Paypal or Cash App. All trademarks are property of their respective owner(s). Zelle is a registered trademark of Early Warning Services, LLC. Venmo and Paypal are registered trademarks of PayPal, Inc. Cash App and Cash Tag are registered trademarks of Square, Inc. Desert Financial makes no warranties or representations about the goods or services offered and accepts no liability for the use of such products or services.