Paypal loves to hold my credit cards. I do manual entry because I get high cash virtual credit cards to pay for getting impounded cars out. Paypal loves to hold those 2-3k charges for a month before releasing them. Using their card reader, no issues. but due to the above, I am back to using Square, which has been zero fuss the entire time we’ve ran it. Venmo I’ve used sparingly, but no issues there. My sister and I send cash through Zelle quite often, and yet to see issues there either.
I’ve used Venmo for years. The only reason I signed up with Pay Pal is that it’s the only cash app for FReepathons.