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We looked at ten of the most established and reputable P2P payment services to give you a good overview of your choices.

You can also expect delays as the payment is processed usually one to four days.

Credit and debit cards, not to mention electronic payment systems like Pay Pal, are making the days of cash obsolete.

It's easier, and in many ways more secure, than carrying money in your wallet or purse.

Your smartest move when dealing with peer-to-peer payments is to only do them with people you trust or with whom you are willing to deal with, should they renege on a transfer.

Peer-to-peer payment apps have been around since the early 2000s but didn't establish a foothold until recently.This might not mean much most of the time, but if you use a P2P payment app to accept payment from someone who contacted you via Craigslist to buy your bike, for example, he or she could conceivably pay you, take the bike, cancel the transaction before it's cleared and disappear.

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