For electronic payments to work, both the payer and the seller must both use the same app. So remember to coordinate and pick an app before you start sending payments.
Keep in mind the seller might pay a fee when they receive an electronic payment. Many feel that since the money transfers instantly, it is worth the charge. They simply view it as a cost of doing business.
Here are several apps that make electronic payments easy while also being safe and reliable.
PayPal: Mobile Cash
The PayPal Mobile Cash app allows money to be sent and received between users in the PayPal network. Use the app for purchases wherever PayPal is accepted.