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Many of us have used a peer-to-peer (P2P) payment app to split a bill or send money to a friend, and some people even use them for traditional shopping. However, there are inherent risks that exist on these payment apps that everyone should know about.

First and foremost, because they’re as fast and convenient for criminals as they are for consumers, P2P apps — like Zelle, Venmo and Cash App — are favorite tools for modern-day scammers. It’s also important to know that, even though they may be associated with your bank account, no fraud protections exist on P2P apps. Once you press send it is virtually impossible to get your money back.

The keys to staying safe when sending money this way is to avoid out of the blue requests for money and make sure you know the person on the other end. Think of P2P apps as cash. Before you hand over cash that you will never get back you always want to know exactly who you are giving it to.