Those other two are so frequently used for scams that my bank has a heart attack every time I try to use them. No matter how many times I call them and tell them to unblock my card, because it was definitely me sending that money, they'll block it the very next time. I literally bought a checkbook (you have to buy those dumb things now?!) so I could more easily give people money... In 2023...

Google pay worked for me reasonably well for small transactions between friends and family. That's literally what I use it for 90% of the time. I'm super annoyed that they don't have a replacement for it.

Google strikes again, killing something I love.