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Payment apps make sending money easy, but money you send to a scammer is often hard to get back. Federal rules (Regulation E) protect you when someone sends money from your account without permission, including when a fraudster uses login details you were tricked into giving. If you send money yourself to someone, that's treated differently. Only pay people you know and trust.
Source: Zelle page (checked 2026-10-12)
Source: Venmo page (checked 2026-10-12)
Source: Cash App page (checked 2026-10-12)
Source: PayPal page (checked 2026-10-12)
Source: Wise page (checked 2026-10-12)
Source: Remitly page (checked 2026-10-12)
Wise and Remitly fees depend on amount and destination. Fees can change; check in the app before sending.
Facts copied from each provider's own page on the date shown; “not found” means we couldn't confirm it there. Prices change, so check the provider before you sign up. No paid placement.
If a scammer made the transfer from your account without your permission (including by tricking you into sharing login details), the CFPB says that's an unauthorized transfer covered by Regulation E: report it to your bank or app fast. If you sent the money yourself, recovery is harder; contact the app and your bank right away.
Under Regulation E, your liability is generally up to $50 if you report a lost or stolen access device within 2 business days, up to $500 after that, and you must report unauthorized transfers on your statement within 60 days or risk liability for later ones (12 CFR 1005.6).
Generally no if the recipient is already enrolled; Zelle says payments can't be canceled, so only send to people you know and trust.
Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.