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Comment by rconti | Hacker News Reader

This was discussed last time we talked about payments, but Venmo is not ubiquitous. I live in the valley, am on the border between Gen X and Millennial, and I've never used Venmo in my life. Furthermore, until about 2 weeks ago, I had never MET anyone who had used Venmo (or at least talking about using it).

The friend in question is 21.

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Do others here use Square Cash? I much prefer payments to friends going directly from my bank account to their bank account. For all the alternatives I am familiar with (Venmo, PayPal), payments to me land in some intermediary account.

I feel either this distinction isn't important to many or that Square Cash is just widely unknown.

I've had a Square dongle since they came out and were free, but only used it a few times. I've used Square Cash perhaps a dozen times between friends. Most people seem to have it, but its use is still fairly uncommon. Part of it is that, at my age (mid-30s), typically there's no reason to send your friends money. It's handled for payments for, say, travel expenses.. but typically if it's just a meal, we either split the check the 'old' way or someone just picks up the tab.

My experience has been similar.

The first time I ever even heard of Venmo was when my roommates were collecting the rent checks but were out of town - they are in their early 20s and, well, I'm not that young :)

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