Have you ever used PayPal? We avoid it, and Venmo, which has become pretty useless since I won't provide them with my social security number, now rendering the transaction limits to no more than $300/rolling 7 days. For specific reasons he won't state, our cybersecurity expert stopped using them as well, using Zelle instead, though that too is not immune from hacking. Venmo frequently gave him problems getting his funds transferred out from Venmo to his bank, though when we collected rents through them, we never had that problem. We never let the funds sit in Venmo and accumulate though.

I will always pay with credit card when given the choice, and tend to shop elsewhere when the choice isn't there.

IP,
old lady when it comes to using plastic