Venmo vs WebMoney
Un comparatif côte à côte de ces deux portefeuilles — et lequel l'emporte selon le besoin.
| Fonctionnalité | Venmo | WebMoney |
|---|---|---|
| Note | 4.1 / 5 | 2.7 / 5 |
| Idéal pour | Splitting bills with US friends | Niche/legacy regional digital payments |
| Frais mensuels | Free | Free |
| Taux de change | N/A (US-only) | Exchange spread |
| Envoyer / recevoir | Free from balance/bank/debit; instant 1.75% | 0.8% per transfer |
| Retraits | Standard free; instant 1.75% | Varies by purse & exchanger |
| Carte | Yes — Venmo Visa debit (and a Visa credit card) | No native card |
| Disponibilité | United States only | Global, with regional restrictions |
| Devises | USD | WMZ/WME/WMR, gold, crypto units |
| Réglementation | FinCEN (MSB), US state licences; PayPal-owned | Varies; constrained since 2022 sanctions |
| Création | 2009 | 1998 |
Venmo
Venmo is the dominant US peer-to-peer payment app, ideal for splitting bills and casual transfers with its signature social feed. Standard transfers are free, but instant cash-outs and credit-card funding carry fees, and it is strictly US-only. Best suited to American users who want a quick, familiar way to pay friends.
Avantages
- Free standard P2P transfers within the US
- Social feed makes splitting & requesting easy
- Free Venmo debit card, no-fee MoneyPass ATMs
Inconvénients
- US-only; no international use
- Instant transfers cost 1.75%
- 3% fee when funding with a credit card
WebMoney
WebMoney is one of the oldest digital settlement systems, supporting many currency "purses" from USD and EUR to gold and crypto units. Sanctions-driven restrictions since 2022, a flat 0.8% transfer fee and a dated interface have reduced its relevance outside niche regional use.
Avantages
- Operating since 1998 with large user base
- Many currency "purses" incl. gold & crypto units
- Established attestation/identity system
Inconvénients
- 0.8% fee on every transfer
- Heavily affected by 2022 sanctions
- Complex, dated interface
En résumé
Globalement, Venmo prend l'avantage avec une note de 4.1 contre 2.7 — mais le bon choix dépend de vos priorités. Vérifiez les deux selon votre pays et votre usage avant de décider.