| # | P2P Service | Recipient ID | Pay Methods | Processing Time (days) | Costs (bank or debit / credit) | Security | Privacy | Fraud Protection | Apps |
|---|---|---|---|---|---|---|---|---|---|
| 1 | Apple Pay Cash | iMessage | debit, credit | 1-3 | free / 3% | Strong | Strong | None | n/a |
| 2 | Circle Pay | mobile, iMessage, WhatsApp | bank, debit | 0 | free / n/a | Strong | Strong | None | |
| 3 | Facebook Messenger | FB messenger | debit, PayPal | 1-3 | free / n/a | Good | Strong | None | |
| 4 | Google Pay Send | email, mobile, iMessage | debit, credit | 0-3 | free / 2.9% + .30 | Good | ? | "Unauthorized" | |
