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| 0 | User Agreement | Venmo User Agreement Last Updated This user agreement is effective as of May 19, 2026. | 0 | User Agreement | Venmo Venmo Legal Agreements View all agreements Privacy Statement User Agreement Venmo Long Form Disclosure Licenses Consent Cookies Helpful Information Approved Business Account Addendum Venmo Mastercard Cardholder Agreement Venmo Mastercard Privacy Policy Venmo Cryptocurrency Terms and Conditions Open Source Attribution View all agreements Privacy Statement User Agreement Venmo Long Form Disclosure Licenses Consent Cookies Helpful Information Approved Business Account Addendum Venmo Mastercard Cardholder Agreement Venmo Mastercard Privacy Policy Venmo Cryptocurrency Terms and Conditions Open Source Attribution DATE EFFECTIVE: May 19, 2026 User Agreement Welcome to Venmo! |
| 1 | Welcome to Venmo! | — | Removed |
| 196 | Please note that your bank account or card issuer may also charge fees for use ( e.g. , overdraft fees or cash advance fees, respectively). | 195 | Please note that your bank account or card issuer may also charge fees for use (e.g., overdraft fees or cash advance fees, respectively). |
| 326 | The American Express Merchant Operating Guide, which is incorporated by this reference, provides the policies and procedures governing your acceptance of the American Express Card and can be accessed here: www.americanexpress.com/Merchantopguide . | 325 | The American Express Merchant Operating Guide, which is incorporated by this reference, provides the policies and procedures governing your acceptance of the American Express Card and can be accessed here: www.americanexpress.com/Merchantopguide. |
| 363 | Tap to Pay Privacy and Security . | 362 | Tap to Pay Privacy and Security. |
| 418 | By opening and maintaining a charity profile, you represent and warrant to us that: i. you are, and at all times during the term of this Agreement will remain, an organization eligible to receive tax-deductible charitable contributions with Private Operating Foundation or Public Charity status described in sections 501(c)(3) and 509(a) of the Code. | 417 | By opening and maintaining a charity profile, you represent and warrant to us that: you are, and at all times during the term of this Agreement will remain, an organization eligible to receive tax-deductible charitable contributions with Private Operating Foundation or Public Charity status described in sections 501(c)(3) and 509(a) of the Code. |
| 419 | You will promptly notify Venmo if you are designated as a Private Non-Operating Foundation or Supporting Organization by the IRS; ii. you will utilize donations received through Venmo in a manner that is consistent with such status; iii. you will at all times use our Services in compliance with all applicable laws, rules and regulations, including any requirements governing charitable status and solicitation of charitable donations; iv. all information provided by you in your charity profile is true and accurate at all times; v. you have the right to provide all information provided by you in your charity profile or otherwise, the right to authorize us to use this information as contemplated herein, and the right to enter into this agreement on behalf of your organization; vi. you have the right to grant the licenses to Venmo hereunder; and our use, as contemplated by this agreement, of materials or rights licensed hereunder, will not infringe the intellectual property rights or similar rights of any third party; vii. you will not disparage Venmo, PayPal, or any other Venmo charity profile; and viii. you will at all times comply with the terms and conditions of this agreement and any terms of use or other agreements you may have with PayPal, Venmo, and/or any partners of Venmo. | 418 | You will promptly notify Venmo if you are designated as a Private Non-Operating Foundation or Supporting Organization by the IRS; you will utilize donations received through Venmo in a manner that is consistent with such status; you will at all times use our Services in compliance with all applicable laws, rules and regulations, including any requirements governing charitable status and solicitation of charitable donations; all information provided by you in your charity profile is true and accurate at all times; you have the right to provide all information provided by you in your charity profile or otherwise, the right to authorize us to use this information as contemplated herein, and the right to enter into this agreement on behalf of your organization; you have the right to grant the licenses to Venmo hereunder; and our use, as contemplated by this agreement, of materials or rights licensed hereunder, will not infringe the intellectual property rights or similar rights of any third party; you will not disparage Venmo, PayPal, or any other Venmo charity profile; and you will at all times comply with the terms and conditions of this agreement and any terms of use or other agreements you may have with PayPal, Venmo, and/or any partners of Venmo. |
| 442 | If you or a Teen User Refers a Friend to join Venmo, usage will also be subject to the Refer a Friend Terms and Conditions. | 441 | If you or a Teen User Refers a Friend to join Venmo, usage will also be subject to the Refer a Friend Terms and Conditions . |
| 469 | Payments made by Teen Accounts and Friends Lists of Teen Accounts will be set to private by default, as described in Sharing Transactions , but you can change the Teen Account’s privacy settings. | 468 | Payments made by Teen Accounts and Friends Lists of Teen Accounts will be set to private by default, as described in Sharing Transactions, but you can change the Teen Account’s privacy settings. |
| 694 | Establishing proof of delivery or proof of shipment Physical Goods Proof of shipment The following is required as proof of shipment for physical goods: Online or physical documentation from a shipping company that includes: Date of shipment An address for the recipient that matches the shipping address on the transaction details page An address for the recipient showing at least the city/state, city/country, or zip/postal code (or international equivalent). | 693 | Establishing proof of delivery or proof of shipment Physical Goods Physical Goods Proof of shipment The following is required as proof of shipment for physical goods: Online or physical documentation from a shipping company that includes: Date of shipment An address for the recipient that matches the shipping address on the transaction details page An address for the recipient showing at least the city/state, city/country, or zip/postal code (or international equivalent). |
| 700 | Intangible Goods The following is required as proof of shipment or delivery for intangible goods: For intangible or digital goods, proof of shipment or delivery means compelling evidence to show the item was delivered or the purchase order was fulfilled. | 699 | QR Code Transactions Intangible Goods The following is required as proof of shipment or delivery for intangible goods: For intangible or digital goods, proof of shipment or delivery means compelling evidence to show the item was delivered or the purchase order was fulfilled. |
| 702 | QR Code Transactions The following is required as proof of shipment or proof of delivery for QR Code transactions: For QR code transactions, you may be required to provide us with alternative evidence of delivery or such additional documentation or information relating to the transaction. | 701 | QR Code Transactions QR Code Transactions The following is required as proof of shipment or proof of delivery for QR Code transactions: For QR code transactions, you may be required to provide us with alternative evidence of delivery or such additional documentation or information relating to the transaction. |
| 713 | Anything Venmo determines, in its sole discretion, is prohibited by this user agreement and/or the Acceptable Use Policy , even if the transaction is initially marked as “Purchase Protected” on the transaction details page. | 712 | Anything Venmo determines, in its sole discretion, is prohibited by this user agreement and/or the Acceptable Use Policy, even if the transaction is initially marked as “Purchase Protected” on the transaction details page. |
| 729 | Step 3: Comply with our shipping requests in a timely manner , if you’re filing a Significantly Not as Described claim, we may require you, at your expense, to ship the item back to the seller, to us or to a third party (which we will specify) and to provide proof of delivery. | 728 | Step 3: Comply with our shipping requests in a timely manner, if you’re filing a Significantly Not as Described claim, we may require you, at your expense, to ship the item back to the seller, to us or to a third party (which we will specify) and to provide proof of delivery. |
| 765 | Restricted Activities In connection with your or a Teen User’s use of our websites, a Venmo account, the Venmo services, or in the course of your or a Teen User’s interactions with us, other customers, or third parties, you must not (and are responsible for ensuring any Teen User does not): Breach this user agreement, the Acceptable Use Policy , or any other agreement between you and us; Violate any law, statute, ordinance, or regulation (for example, those governing financial services, consumer protections, unfair competition, anti-discrimination or false advertising); Infringe our or any third party's copyright, patent, trademark, trade secret or other intellectual property rights, or rights of publicity or privacy; Use your personal account or a Teen Account to conduct transactions for goods or services with other personal accounts or Teen Accounts, except as expressly authorized by Venmo; Create or control more than one personal account for yourself without our express authorization, through, among other methods, using a name that is not yours, using a temporary email address or phone number, or providing any other falsified personal information; Act in a manner that is defamatory, trade libelous, threatening or harassing; Provide false, inaccurate or misleading information; Send or receive what we reasonably believe to be potentially fraudulent money or payments for advertising, marketing, or otherwise on an unsolicited and unauthorized basis; Refuse to cooperate in an investigation or provide confirmation of your identity or any information you provide to us; Attempt to double dip during the course of a dispute by receiving or attempting to receive money from both us and the recipient of a payment, bank or card issuer for the same transaction; Control an account that is linked to another Venmo or PayPal account that has engaged in any of these restricted activities; Use the Venmo services in a manner that results in or may result in: complaints. disputes; claims, reversals, chargebacks, fees, fines, penalties or other liability or losses to Venmo or PayPal, other customers, third parties or you; Use a Venmo account or the Venmo services in a manner that we, Visa, Mastercard, American Express, Discover or any other electronic funds transfer network reasonably believes to be an abuse of the card system or a violation of card association or network rules, or for the purpose of earning rewards, perks, miles, points, etc. with your credit card, debit card, or bank account; Have any amounts owed to us; Provide yourself a cash advance from your credit card (or help others to do so); Access the Venmo services from outside the United States, except for use of the Venmo Debit Card; Take any action that imposes an unreasonable or disproportionately large load on our websites, software, systems (including any networks and servers used to provide any of the Venmo services) operated by us or on our behalf or the Venmo services; Facilitate any viruses, trojan horses, malware, worms or other computer programming routines that attempts to or may damage, disrupt, corrupt, misuse, detrimentally interfere with, surreptitiously intercept or expropriate, or gain unauthorized access to any system, data, information or Venmo services; Use an anonymizing proxy; use any robot, spider, other automatic device, or manual process to monitor or copy our websites without our prior written permission; or use any device, software or routine to bypass our robot exclusion headers; Interfere or disrupt or attempt to interfere with or disrupt our websites, software, systems (including any networks and servers used to provide any of the Venmo services) operated by us or on our behalf, any of the Venmo services or other users’ use of any of the Venmo services; Take any action that may cause us to lose any of the services from our Internet service providers, payment processors, or other suppliers or service providers; Use the Venmo services to test credit card behaviors, or make excessive or unexplainable transactions; Circumvent any of our policies or determinations about your Venmo account such as temporary or indefinite suspensions or other account holds, limitations or restrictions, including, but not limited to, engaging in the following actions: attempting to open new or additional Venmo account(s) when you have amounts owed to us or when your Venmo account has been restricted, suspended or otherwise limited; opening new or additional Venmo accounts using information that is not your own (e.g. name, address, email address, etc.); or using someone else’s Venmo account; or Harass and/or threaten our employees, agents, or other users. | 764 | Restricted Activities In connection with your or a Teen User’s use of our websites, a Venmo account, the Venmo services, or in the course of your or a Teen User’s interactions with us, other customers, or third parties, you must not (and are responsible for ensuring any Teen User does not): Breach this user agreement, the Acceptable Use Policy , or any other agreement between you and us; Violate any law, statute, ordinance, or regulation (for example, those governing financial services, consumer protections, unfair competition, anti-discrimination or false advertising); Infringe our or any third party's copyright, patent, trademark, trade secret or other intellectual property rights, or rights of publicity or privacy; Use your personal account or a Teen Account to conduct transactions for goods or services with other personal accounts or Teen Accounts, except as expressly authorized by Venmo; Create or control more than one personal account for yourself without our express authorization, through, among other methods, using a name that is not yours, using a temporary email address or phone number, or providing any other falsified personal information; Act in a manner that is defamatory, trade libelous, threatening or harassing; Provide false, inaccurate or misleading information; Send or receive what we reasonably believe to be potentially fraudulent money or payments for advertising, marketing, or otherwise on an unsolicited and unauthorized basis; Refuse to cooperate in an investigation or provide confirmation of your identity or any information you provide to us; Attempt to double dip during the course of a dispute by receiving or attempting to receive money from both us and the recipient of a payment, bank or card issuer for the same transaction; Control an account that is linked to another Venmo or PayPal account that has engaged in any of these restricted activities; Use the Venmo services in a manner that results in or may result in: (a) complaints. |
| 765 | (b) disputes; claims, reversals, chargebacks, (c) fees, fines, penalties or other liability or losses to Venmo or PayPal, other customers, third parties or you; Use a Venmo account or the Venmo services in a manner that we, Visa, Mastercard, American Express, Discover or any other electronic funds transfer network reasonably believes to be an abuse of the card system or a violation of card association or network rules, or for the purpose of earning rewards, perks, miles, points, etc. with your credit card, debit card, or bank account; Have any amounts owed to us; Provide yourself a cash advance from your credit card (or help others to do so); Access the Venmo services from outside the United States, except for use of the Venmo Debit Card; Take any action that imposes an unreasonable or disproportionately large load on our websites, software, systems (including any networks and servers used to provide any of the Venmo services) operated by us or on our behalf or the Venmo services; Facilitate any viruses, trojan horses, malware, worms or other computer programming routines that attempts to or may damage, disrupt, corrupt, misuse, detrimentally interfere with, surreptitiously intercept or expropriate, or gain unauthorized access to any system, data, information or Venmo services; Use an anonymizing proxy; use any robot, spider, other automatic device, or manual process to monitor or copy our websites without our prior written permission; or use any device, software or routine to bypass our robot exclusion headers; Interfere or disrupt or attempt to interfere with or disrupt our websites, software, systems (including any networks and servers used to provide any of the Venmo services) operated by us or on our behalf, any of the Venmo services or other users’ use of any of the Venmo services; Take any action that may cause us to lose any of the services from our Internet service providers, payment processors, or other suppliers or service providers; Use the Venmo services to test credit card behaviors, or make excessive or unexplainable transactions; Circumvent any of our policies or determinations about your Venmo account such as temporary or indefinite suspensions or other account holds, limitations or restrictions, including, but not limited to, engaging in the following actions: attempting to open new or additional Venmo account(s) when you have amounts owed to us or when your Venmo account has been restricted, suspended or otherwise limited; opening new or additional Venmo accounts using information that is not your own (e.g. name, address, email address, etc.); or using someone else’s Venmo account; or Harass and/or threaten our employees, agents, or other users. | ||
| 772 | Holds and Limitations What are holds and limitations Under certain circumstances, in order to protect Venmo and the security and integrity of the network that uses the Venmo services, Venmo may, in its sole discretion, take account-level or transaction-level actions. | 772 | Holds and Limitations What are holds and limitations? |
| 773 | Under certain circumstances, in order to protect Venmo and the security and integrity of the network that uses the Venmo services, Venmo may, in its sole discretion, take account-level or transaction-level actions. | ||
| 823 | Error Resolution What is an error An “error” means the following: When money is either incorrectly taken from your Venmo account or incorrectly placed into your Venmo account, or when a transaction is incorrectly recorded in your Venmo account. | 824 | Error Resolution What is an error? |
| 825 | An “error” means the following: When money is either incorrectly taken from your Venmo account or incorrectly placed into your Venmo account, or when a transaction is incorrectly recorded in your Venmo account. | ||
| 828 | What is not considered an error The following are NOT considered errors: If you give someone authority to access your Venmo account (for example, by giving them your login information) and they exceed their authority. | 830 | What is not considered an error? |
| 831 | The following are NOT considered errors: If you give someone authority to access your Venmo account (for example, by giving them your login information) and they exceed their authority. | ||
| 860 | Our not completing a transaction on time or in the correct amount, then we will be responsible to you for your losses or damages directly caused by this failure, unless: through no fault of ours, you or a Teen User did not have enough available funds to complete the transaction; our system was not working properly and you or your Teen User knew about the breakdown when you or your Teen User started the transaction; or the error was due to extraordinary circumstances outside our control (such as fire, flood or loss of Internet connection), despite our reasonable precautions. | 863 | Our not completing a transaction on time or in the correct amount, then we will be responsible to you for your losses or damages directly caused by this failure, unless: (a) through no fault of ours, you or a Teen User did not have enough available funds to complete the transaction; (b) our system was not working properly and you or your Teen User knew about the breakdown when you or your Teen User started the transaction; or (c) the error was due to extraordinary circumstances outside our control (such as fire, flood or loss of Internet connection), despite our reasonable precautions. |
| 865 | Remittance Transfer Errors What is a Remittance Transfer You may be protected for certain errors when you send money outside of the U.S. using a Venmo account. | 868 | Remittance Transfer Errors What is a Remittance Transfer? |
| 866 | A “Remittance Transfer” is a transaction that meets the following criteria: The payment is sent from a personal account that is used primarily for personal, family or household purposes, The payment is made for personal, family or household purposes, The payment is made using the Pay/Request feature through your Venmo account, The payment amount equals or exceeds $15 U.S. dollars (excluding fees charged to you) or the foreign currency equivalent calculated using exchange rates in effect at the time of the transaction, and The recipient received the payment in an account outside of the U.S. Payments that you make at a merchant website or location by selecting Venmo as a payment option are not “Remittance Transfers.” What qualifies as a Remittance Transfer Error A “Remittance Transfer Error” occurs if: You paid an incorrect amount to send the Remittance Transfer. | 869 | You may be protected for certain errors when you send money outside of the U.S. using a Venmo account. |
| 870 | A “Remittance Transfer” is a transaction that meets the following criteria: The payment is sent from a personal account that is used primarily for personal, family or household purposes, The payment is made for personal, family or household purposes, The payment is made using the Pay/Request feature through your Venmo account, The payment amount equals or exceeds $15 U.S. dollars (excluding fees charged to you) or the foreign currency equivalent calculated using exchange rates in effect at the time of the transaction, and The recipient received the payment in an account outside of the U.S. Payments that you make at a merchant website or location by selecting Venmo as a payment option are not “Remittance Transfers.” What qualifies as a Remittance Transfer Error? | ||
| 871 | A “Remittance Transfer Error” occurs if: You paid an incorrect amount to send the Remittance Transfer. | ||
| 869 | The amount stated in the Remittance Transfer receipt was not made available to the recipient, unless: we stated in the Remittance Transfer receipt that we used estimates and the difference in the amount received and the amount stated in the Remittance Transfer receipt results from application of the actual exchange rate, fees, and taxes, or the problem was caused by extraordinary circumstances outside our control. | 874 | The amount stated in the Remittance Transfer receipt was not made available to the recipient, unless: (a) we stated in the Remittance Transfer receipt that we used estimates and the difference in the amount received and the amount stated in the Remittance Transfer receipt results from application of the actual exchange rate, fees, and taxes, or (b) the problem was caused by extraordinary circumstances outside our control. |
| 870 | Funds were available to the recipient later than the date of availability that was disclosed to you on the Remittance Transfer receipt or were not delivered, unless: extraordinary circumstances outside our control caused the delay, and we could not reasonably anticipate those circumstances, delays resulted from fraud screenings, or were caused by requirements of the Office of Foreign Assets Controls or similar requirements, or you (or someone assisting you) made the transfer with fraudulent intent. | 875 | Funds were available to the recipient later than the date of availability that was disclosed to you on the Remittance Transfer receipt or were not delivered, unless: (a) extraordinary circumstances outside our control caused the delay, and we could not reasonably anticipate those circumstances, (b) delays resulted from fraud screenings, or were caused by requirements of the Office of Foreign Assets Controls or similar requirements, or (c) you (or someone assisting you) made the transfer with fraudulent intent. |
| 872 | What is not considered a Remittance Transfer Error The following are NOT considered Remittance Transfer Errors: An inquiry about the status of a Remittance Transfer, except where the funds from the transfer were not made available to a designated recipient by the disclosed date of availability, A request for information for tax or other recordkeeping purposes, A change requested by the designated recipient, or A change in the amount or type of currency received by the designated recipient from the amount or type of currency stated in the disclosure provided you, if we relied on information provided by you in making the disclosure. | 877 | What is not considered a Remittance Transfer Error? |
| 878 | The following are NOT considered Remittance Transfer Errors: An inquiry about the status of a Remittance Transfer, except where the funds from the transfer were not made available to a designated recipient by the disclosed date of availability, A request for information for tax or other recordkeeping purposes, A change requested by the designated recipient, or A change in the amount or type of currency received by the designated recipient from the amount or type of currency stated in the disclosure provided you, if we relied on information provided by you in making the disclosure. | ||
| 875 | Log in to your Venmo app, go to Get Help , then Chat With Us . | 881 | Log in to your Venmo app, go to Get Help, then Chat With Us. You must contact us within 180 days of the date we promised to you that funds would be made available to the recipient. |
| 876 | You must contact us within 180 days of the date we promised to you that funds would be made available to the recipient. | — | Removed |
| 894 | Please review our Privacy Statement in order to better understand our commitment to maintaining your and your Teen Users privacy, as well as our use and disclosure of your or your Teen User’s information . | 899 | Please review our Privacy Statement in order to better understand our commitment to maintaining your and your Teen Users privacy, as well as our use and disclosure of your or your Teen User’s information. |
| 941 | Agreement to Arbitrate Our Agreement You and PayPal each agree that any and all disputes or claims that have arisen or may arise between you and PayPal (including claims or disputes that arise out of or relate to the Venmo services or your Venmo account , including any linked Teen Account ), including without limitation federal and state statutory claims, common law claims, and those based in contract, tort, fraud, misrepresentation or any other legal theory, shall be resolved exclusively through final and binding arbitration or in small claims court. | 946 | Physical Goods Agreement to Arbitrate Our Agreement You and PayPal each agree that any and all disputes or claims that have arisen or may arise between you and PayPal (including claims or disputes that arise out of or relate to the Venmo services or your Venmo account, including any linked Teen Account), including without limitation federal and state statutory claims, common law claims, and those based in contract, tort, fraud, misrepresentation or any other legal theory, shall be resolved exclusively through final and binding arbitration or in small claims court. |
| 1052 | Please let us know immediately if you believe someone is trying to scam or defraud you by contacting us . | 1057 | Please let us know immediately if you believe someone is trying to scam or defraud you by contacting us. |
| 1053 | Learn more about how to avoid a scam by reading this FTC article . | 1058 | Learn more about how to avoid a scam by reading this FTC article. |
| 1099 | User Agreement Privacy Statement User Agreement Venmo Long Form Disclosure (opens in a new tab) Consent Cookies Helpful Information Approved Business Account Addendum Venmo Mastercard Cardholder Agreement Venmo Mastercard Privacy Policy Open Source Attribution (opens in a new tab) U.S. Privacy Statement User Agreement Venmo Long Form Disclosure (opens in a new tab) Consent Cookies Helpful Information Approved Business Account Addendum Venmo Mastercard Cardholder Agreement Venmo Mastercard Privacy Policy Open Source Attribution (opens in a new tab) | — | Removed |
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