How Do I Pay Someone With My Venmo Balance?

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To pay someone using your Venmo balance, start a person-to-person payment in the Venmo app and check the funding method before you send it. If you have access to a Venmo balance and it covers the full amount, Venmo uses the balance. If you cannot use a balance or it is too small, choose a linked payment method instead; you do not have to add money to Venmo first.

Pay someone from your Venmo balance

1. Open the Venmo app and start a payment to the intended person. Check the recipient’s username or contact details carefully.

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2. Enter the payment amount, then review the funding method shown on the payment screen. If you have access to a Venmo balance and it covers the entire payment, Venmo uses it. Venmo says person-to-person payments are not split between your balance and another preferred payment method. See Venmo’s explanation of account funds and balance access.

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3. Confirm the recipient, amount, and funding method, then send the payment. Venmo says you cannot change the payment method after sending, so verify the details before you confirm. For more, see Venmo’s Payments & Requests FAQ.

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If your Venmo balance is unavailable

Money shown in your Venmo account is not necessarily an available Venmo balance for payments. Venmo requires identity verification to unlock balance payments. In the mobile app, go to Me > Settings gear > Identity Verification and follow the prompts. Venmo explains the process in its Identity Verification help page.

If your balance is not available or does not cover the full payment, use a linked bank account or card. You do not need to transfer money into Venmo before paying another Venmo user; see Venmo’s information about adding money to your balance.

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Fees and payment timing

• Venmo charges a standard 3% fee for person-to-person payments funded by a credit card. Your card issuer may also charge a cash-advance fee or other charges, potentially at a higher APR. Check the fee details in the app and ask your issuer about its fees. See Venmo’s credit card fee information.

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• Person-to-person payments usually reach the recipient right away, but some bank-funded transactions can take up to five business days and may appear as pending, according to Venmo’s Payments & Requests FAQ.

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  • This Visa Virtual eGift Card is non-reloadable. No cash or ATM access. Visa Virtual eGift Cards are emailed active.
  • Funds do not expire but your Visa Virtual eGift Card has a ‘valid thru’ date (9 years from date of purchase). If funds remain after this date has passed, please call the Toll Free number found on your Visa Virtual eGift Card for a replacement card. A one-time purchase fee applies at the time of checkout.
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If a payment is pending

A payment sent to an unverified phone number or email address may remain pending until the recipient claims it. Venmo says you can take back an unclaimed payment; if neither person claims it nor takes it back, it expires after 30 days. See Venmo’s guidance on pending personal payments.

These balance rules apply to payments to other people, not every Venmo checkout. Merchant checkout can have different funding behavior; see Venmo’s merchant payment information.

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• Visa Virtual eGift Cards are designed for online use only. Gift Cards are subject to Terms and Conditions: a.co/5bw3qXJ
• When you access your Visa Virtual eGift Card for the first time, you’ll need to register your name, address, phone number, and email address via activationspot.com. These details should also be used as your billing address for online purchases, as many merchants require address verification for purchase authorization.
• This Visa Virtual eGift Card is non-reloadable. No cash or ATM access. Visa Virtual eGift Cards are emailed active.
• Funds do not expire but your Visa Virtual eGift Card has a ‘valid thru’ date (9 years from date of purchase). If funds remain after this date has passed, please call the Toll Free number found on your Visa Virtual eGift Card for a replacement card. A one-time purchase fee applies at the time of checkout.
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• To access your card information safely, type the complete website address shown on your Gift Card (MyGift.GiftCardMall.com) directly into your browser's address bar. Don't use search engines or shortened versions of the website address, as these may lead you to fake or fraudulent sites. Do not provide any Gift Card details (example: Card Number) to someone you do not know or trust. If you believe you've reached an illegitimate website, contact cardholder service at 1-888-524-1283. Be cautious of phishing sites, there are a variety of scams in which fraudsters try to trick others into paying with gift cards.
• To report your Lost or Stolen Physical Visa Card, call Customer Service 24/7 at 1 (888) 524-1283 to cancel your Gift Card as soon as you can. You will be asked to provide the Gift Card number and other identifying information.
• Use your Visa Gift Card in the U.S. everywhere Visa debit cards are accepted, including online.

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