P2P, or peer-to-peer payment apps, are mobile applications for your smartphone that allow you to connect your debit card, checking account, or even your credit card, and then use that info to digitally transfer money from your account to one of your contacts. If you have a PIN setup, which will depend on the app you are using, you’ll input the PIN at some point during the process for safety. The most common and widely used P2P apps are Venmo, PayPal and Cash App. P2P apps are available on Android and iPhone, which allows quick and easy exchange of money directly between individuals and FFCCU.