@jennyonthebike The impression I get is that Zelle is run by the banks. Cashapp, no idea. Newer system/company? PayPal is the oldest and they are also process commercial payments and developing checkout integration for merchants, not just transferring personal payments. They're just different and have their own system and is worldwide and they use ACH, the slowest service because it is cheap hence free transfers. If Zelle and Cashapp is faster for you then use them.
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