It’s so sad just how manipulative these markets are lol. Opt out asap of these fiat and equity positions and opt into something that’s priced in commodities like gold and BTC.
I just wish instagram still showed the posts of people I followed in a timeline
I hate their curated dog shit and don’t use any meta product because I just want to be able to opt the fuck out
💳 1. Merchant Transaction Fees
Primary source of revenue.
When you pay a business (or use Venmo to check out online), Venmo charges the merchant a fee, usually ~1.9% + $0.10 per transaction.
Venmo keeps this cut — similar to how PayPal earns on payment processing.
✅ Example:
If you buy something for $50 using Venmo, the merchant might receive ~$49.00 after Venmo’s processing fee.
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💸 2. Instant Transfer Fees
Users can move money from Venmo to their bank instantly for a 1.75% fee (capped at $25).
Standard (1–3 day) transfers are free, but many users opt for instant ones, generating reliable revenue.
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🏦 3. Venmo Debit & Credit Cards
Venmo Debit Card (linked to Mastercard) earns money through interchange fees each time a user makes a purchase.
Venmo Credit Card (issued by Synchrony Bank) brings in revenue via:
Interest charges
Interchange fees from merchants
Small revenue share from Synchrony
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🧾 4. Crypto Trading Fees
Venmo allows users to buy, sell, and hold cryptocurrencies (Bitcoin, Ethereum, Litecoin, etc.).
Venmo earns a spread and transaction fee (around 0.5–2.3%) on each crypto trade.
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💰 5. Business Profiles
Venmo offers business accounts for small sellers and freelancers.
Venmo takes a 1.9% + $0.10 fee per payment received through these profiles.
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🪙 6. Venmo Rewards & Partnerships
Through cashback programs, co-branded card deals, and partner offers (like Uber, Amazon, or DoorDash checkout), Venmo earns affiliate or promotional revenue.
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🪩 7. Pay with Venmo (E-commerce Integration)
Venmo is increasingly used at checkout on websites and apps.
These online merchants pay the same transaction fees as those using PayPal Checkout — expanding Venmo’s use beyond peer-to-peer.
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🔮 Future Growth Areas
Stablecoin (PYUSD) integration — Venmo has started supporting PayPal’s USD stablecoin for transfers.
This could eventually lower costs and boost volume while giving PayPal new revenue models through blockchain-based settlements.