This analysis describes what Venmo's agreement states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability and practical outcomes may vary by jurisdiction, enforcement context, and individual circumstances. Read our methodology
Using a personal or Teen Account for commercial transactions violates Venmo's Acceptable Use Policy, which may expose the account to enforcement actions such as holds or termination.
The updated terms expand the arbitration clause to explicitly state that users agree to resolve 'most disputes by arbitration on an individual basis, a class action waiver, and a jury trial waiver.' The terms note that arbitration involves 'less discovery and appellate review than in court.' Additionally, Venmo's cash back rewards program has been restructured with specific tiered thresholds: users earn 1% baseline cash back, 2% if they spend at least $250 in a month, and 5% if they spend at least $1,500 in a month. Rewards are only applied to qualifying transactions with 'Bundle merchants' and exclude cash advances, gambling, wire transfers, cryptocurrency purchases, and certain financial institution transactions. If you return a purchase or receive a refund after earning cash back, Venmo states it may debit or withhold rewards to offset the amount. You must close your account before any changes become effective if you do not wish to be bound by them.
View change record →Your personal account or Teen Account may not be used to pay or receive payment for goods or services in a business, commercial, or merchant capacity with other personal or Teen Accounts.
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use TikTok Content...another user's content or generative AI-enabled features for commercial purposes unless permitted by TikTok USDS Joint Venture or the user, respectively...
You may not display any personal contact, banking, or peer-to-peer payment information, whether in relation to you or any other person (for example, names, home addresses or postcodes, telephone numbers, email addresses, URLs, credit/debit card...)
Please note that any changes you make to your account profile must be in accordance with our App Use Standards.
"personal accounts and Teen Accounts may not be used to conduct business, commercial or merchant transactions with other personal accounts or Teen Accounts...which includes paying or accepting payment...for goods or servicesExcerpt from Venmo's User Agreement
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Using a personal or Teen Account for commercial transactions violates Venmo's Acceptable Use Policy, which may expose the account to enforcement actions such as holds or termination.
Your personal account or Teen Account may not be used to pay or receive payment for goods or services in a business, commercial, or merchant capacity with other personal or Teen Accounts.
ConductAtlas has identified this type of provision across 283 platforms. See the full comparison.
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