What is the best payment app for peer-to-peer transfers

Popular peer-to-peer (P2P) payment apps facilitate quick and secure money transfers between individuals. Widely recognized options include Zelle, PayPal, Venmo, Cash App, and Apple Pay. These services allow users to send and receive funds using a recipient's phone number, email address, or unique ID. Many apps, like those supporting UPI (such as Paytm), enable instant, 24/7 transfers directly between bank accounts, enhancing convenience and accessibility for users.