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by gosub100 920 days ago
There is, Zelle works pretty well for smaller amounts. Paypal jinxed themselves early on by lobbying so hard to be "not-a-bank" (even though they do everything a bank does). If they hadn't used their not-a-bank status to screw so many people for so long (I think they're better now, not sure), they could have been the de-facto payment processor by now, at least for debit.