Already on the phone
Your client has it. You have it. Nobody explains a name on a statement.
Venmo is faster.
It is not a record.
It's her account, her name, her transaction history. You ask her for your own money.
Go to the table
We have not quoted Venmo's fees, terms or age requirements here. Read Venmo's own terms.
What Venmo wins
Start with what it wins.
Nothing to set up
No business to name, no agreement to accept, no review before the first payment.
Small and personal
Splitting a check, paying back a friend, taking $20 from someone in front of you.
Side by side
What a payment leaves behind.
Not one of these columns is speed.
| Method | Invoice, receipt | Year-end record | Whose name |
|---|---|---|---|
| A parent's Venmo | No | Her feed | Hers |
| Your own Venmo | No | Mixed in | Yours |
| fuime | Yes | Itemised | Ninth Street Labs, LLC |
What you give up
The payment is fine. The aftermath is not.
No invoice
A request in an app is a nudge.
No receipt
A screenshot of a phone is not one.
No year end
fuime flags the IRS $400 threshold. A year of transfers is April's reconstruction job.
Your own account
Your name, and your business income filed in with your groceries.
Where fuime stops
When to keep the app.
It costs money
5% of what you collect, minimum 50¢. On a $5 sale that is 10%.
Not this afternoon
A person reads every new business, and there is no promised turnaround.
Money waits
7-day hold, 10% reserve over 90 days, $2,500 run cap, $10 floor.
An adult signs
Under 18, a guardian is account holder and legal payee.
Only some work
Services and digital goods, USD, US. Not childcare, food or crafts.
Not a dinner bill
Paying back a friend belongs in the app you already have.
Start
Keep the app. Bill the work.
Opening a venture does not stop you being paid in an app for the small stuff.
Also: fuime vs Paddle, fuime vs waiting until 18, or every option at once.