NASHVILLE – Sending and receiving money is easier than ever before thanks to electronic fund transfers, often called person-to-person (or P2P) payment systems. Person-to-person payment systems, like PayPal, Venmo, and Zelle, allow consumers to link bank accounts, debit cards, and/or credit cards in order to send and receive money to another party via mobile and desktop applications. While these P2P programs offer great convenience, they can lead to potential hassles or worse for unsuspecting consumers.