# Venmo: how AI models rank it, October 2026

Finance AI Recommendation Index, October 2026 Edition. Named in 17 judge labels across 4 categories by 11 of 14 models. Page: https://finance-ai-index.com/vendors/venmo/

## Standing by category

| Category | Share | Rank | Negative rate | Labels |
|---|---|---|---|---|
| Contractor payments | 0% | 97 | 100% | 8 |
| Business bill pay | 0% | 97 | 100% | 4 |
| Cross-border payments and FX | 0% | 84 | 75% | 4 |
| Cash application | 0% | 75 | 100% | 1 |

## And against it

- "Platforms designed primarily for consumer payments (e.g., Venmo, Zelle, PayPal for personal use) are not suitable for contractor payments." (Mistral Small, Contractor payments)
- "Skip P2P apps (Zelle, Venmo, Cash App) for any bill, rent, or purchase from a stranger." (DeepSeek V4 Flash, Business bill pay)
- "Platforms to avoid/use with caution: Venmo, Cash App, Zelle, and personal PayPal accounts." (Gemini 3.5 Flash, Contractor payments)
- "Apps like Zelle, Venmo, and Cash App... once you press send, the money is gone forever" (Gemini 3.5 Flash, Cross-border payments)

## Movement since September 2026

Floor: 10 points of share, measured on the calibration repeat. A larger change is movement; a smaller one is noise.

- Contractor payments: 0% to 0%, ±0. Inside the floor by 10 points · rank 79 → 97 of 98.
- Business bill pay: 0% to 0%, ±0. Inside the floor by 10 points · rank 63 → 97 of 98.
- Cross-border payments and FX: 0% to 0%, ±0. Inside the floor by 10 points · rank 77 → 84 of 87.
- Cash application: 0% to 0%, ±0. Inside the floor by 10 points · rank 79 → 75 of 83.

## In its own words

What Venmo's own pages state, read 2026-09-28. Stated by the vendor, not checked by the index.

- Positioning: Manage your account balance, send/receive money, split bills, pay friends, and stay connected with your network all in one place. (https://venmo.com/)
- For: Pay friends. Send money to friends, pay businesses, and check out with Venmo when you shop. (https://venmo.com/)
- Price stated: Start your journey for only $1. (https://venmo.com/)
- Starting price: 1 (https://venmo.com/)

## What it publishes

Every page venmo.com exposes, read 2026-09-29: 92 addresses. By kind, pages and the last 90 days:

- blog: 4 pages, 0 in the last 90 days, latest undated

## Record

- Method: https://finance-ai-index.com/methodology/
- Raw judge labels and full responses: https://finance-ai-index.com/data/
- License: CC BY 4.0. Cite as Finance AI Recommendation Index, October 2026 Edition, finance-ai-index.com.