[cassianoleal]

To pay with PayPal, cash moves: Your Bank Account -> Your PayPal Account -> Their PayPal Account -> Their Bank Account.

That's how a client-server model works, definitely not p2p.

I have no clue how Venmo or Zelle work though, so I don't have an answer to your latter question.

[bombcar]

Zelle is bank2bank in theory though the one time I used it the payment got stuck in some sort of limbo for awhile, not sure why.

Next time I’ll just use the bill pay and make the bank eat the cost of a stamp.