I don't have Cash App, Venmo, Zello or any of those other micro payment apps because every single time that I sign up for one, I get automatically blocked on my 1st transaction. Zello is even offered directly by my bank so it's automatically linked to my banking info. Calling customer service leads nowhere. It all works out for me in the end because if I can't Apple Pay or Paypal someone I probably don't need their product or service anyway.