Payment methodP2PListed Mar 2026
P

P2P

P2P (Peer-to-Peer) payment systems allow users to send money directly to each other through mobile apps, bank transfers, or digital wallets.

P2P (Peer-to-Peer) payment systems allow users to send money directly to each other through mobile apps, bank transfers, or digital wallets. As a payment method, P2P transactions are fast, secure, and convenient, eliminating the need for intermediaries. Popular platforms like Venmo, PayPal, and Zelle enable users to make payments using their smartphones or email addresses, making it ideal for small businesses or individual transactions. P2P payment systems are commonly used in personal finance, small businesses, and e-commerce settings.

5

sectors served

CosmeticseCommerceFood & DrinkHealthcareSaaS
1

built on

APAPI

What P2P costs

Merchants do not pay P2P directly. Each payment provider that offers it sets its own rate, so compare a few and ask them to quote.

What you need to onboard

N/A

What the last check found

This is a category rather than a branded payment method, so no country or currency is recorded for it. A category that inherits one product's footprint states something false: "cash payment: 1 country" would tell a reader that paying in cash exists in one country. Where the write-up below refers to a recorded country or currency, this line is the correction.

Checked 2026-10-21: P2P (peer-to-peer) is a generic category — a payment shape, not a branded rail — so it must carry no country or currency. It covers consumer-to-consumer transfers sent directly between people via mobile apps, bank rails or wallets.

This is a category rather than a branded payment method, so no country or currency is recorded for it — a category that inherits one product's footprint states something false.

P2P (peer-to-peer) is a generic category, not a branded rail. The directory's own imported description — from the WordPress export of paymentsdatabase.com/payments/p2p/ — defines it as systems that "allow users to send money directly to each other through mobile apps, bank transfers, or digital wallets" and names Venmo, PayPal and Zelle as examples. That is a description of a payment shape, so the existing country row (the export's value was "global", which is not a country) and its EUR/USD currency rows should be dropped rather than sourced.

No gateway documents a method called P2P. I checked Adyen's 113-method catalog, Antom's 104+, Airwallex's matrix and Stripe's payment-method support page, plus the documentation indexes of dLocal, Checkout.com, Mollie, Rapyd and EBANX: zero occurrences of "P2P" or "peer-to-peer" as a method name anywhere. Antom's type taxonomy is Card, Digital wallet, BNPL, Carrier billing, Cash payment, Online banking, Real-time payment; Airwallex's is Cash, Direct debit, BNPL, Digital wallet, E-wallet, Card, Bank transfer, Online banking, Prepaid voucher. Neither has a P2P bucket.

What an integrator should know: the rails that actually carry consumer-to-consumer transfers are filed by gateways under other types. Adyen lists Pix (BR, BRL), PayNow (SG, SGD), DuitNow (MY, MYR) and PayTo (AU, AUD) as "Real-time payments"; Antom lists Wero (DE, BE, EUR) as an account-to-account wallet. Those are the specific methods belonging under this heading, along with Blik, MB Way, UPI, Swish, Venmo and Zelle. Documentation is silent on "P2P" as a label — no source I fetched applies it to any of them, so it is the directory's own editorial grouping: usable as a tag, never as a payable method.

Checked against P2P’s own documentation on 21 October 2026. Coverage changes; confirm anything you are about to build on.

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Sources · 10

  1. Adyen — Payment methods catalog · docs.adyen.comcountriescurrenciesmethodsUsed for Full 113-method catalog read end to end (both halves of the 122,565-character page): contains no method named or containing "P2P" and none described as peer-to-peer. Also the source for the specific real-time-payment rails that belong to this category, with Adyen's own countries and currencies: PayTo (AU, AUD), Pix (BR, BRL), DuitNow (MY, MYR), PayNow (SG, SGD) — all typed "Real-time payments", not P2P.Checked 20 October 2026
  2. Antom — Payment methods · docs.antom.commethodscapabilitiesUsed for No method named or containing "P2P"; establishes Antom's method-type taxonomy (Card, Digital wallet, Buy now pay later, Carrier billing, Cash payment, Online banking, Real-time payment) as having no P2P category. Also the source for Wero being documented as an "account-to-account digital wallet payment method" in Germany and Belgium, EUR.Checked 20 October 2026
  3. Airwallex — Payment methods matrix · airwallex.commethodscapabilitiesUsed for No method named or containing "P2P" and none described as peer-to-peer; establishes Airwallex's category list (Cash, Direct debit, Buy now pay later, Digital wallet, E-wallet, Card payment, Bank transfer, Online banking, Prepaid voucher) as having no P2P category.Checked 20 October 2026
  4. Stripe — Payment method support (country, currency, product, API) · docs.stripe.commethodsUsed for Saved the full page and grepped it: exactly zero occurrences of "p2p", "peer-to-peer" or "peer to peer". Confirms Stripe neither lists a P2P method nor uses peer-to-peer as a method type.Checked 20 October 2026
  5. dLocal — documentation index (llms.txt) · docs.dlocal.commethodscapabilitiesintegrationsUsed for Checked the real published page index rather than guessing paths: no page title or URL contains "p2p" or "peer" across dLocal's pay-in, payout, platform and KYC documentation. This is the check that distinguishes "could not find it" from "nobody publishes it".Checked 20 October 2026
  6. Checkout.com — documentation index (llms.txt) · checkout.commethodsUsed for Downloaded all 153,076 characters and grepped: zero matches for "p2p", "peer-to-peer" or "peer to peer". No Checkout.com page documents a P2P method.Checked 20 October 2026
  7. Rapyd — documentation index (llms.txt) · docs.rapyd.netmethodscapabilitiesUsed for Downloaded all 168,254 characters and grepped: zero matches for "p2p" or "peer-to-peer", despite Rapyd documenting disburse/payout rails where a peer-to-peer product would be expected to appear.Checked 20 October 2026
  8. Mollie — documentation index (llms.txt) · docs.mollie.comUsed for Downloaded all 72,205 characters and grepped: zero matches for "p2p" or "peer-to-peer".Checked 20 October 2026
  9. EBANX — documentation index (llms.txt) · docs.ebanx.comcountriesmethodsUsed for Downloaded all 49,917 characters and grepped: zero matches for "p2p" or "peer-to-peer" across EBANX's per-country local-method overviews.Checked 20 October 2026
  10. Worldline Direct — sitemap · docs.direct.worldline-solutions.commethodsUsed for Fetched the sitemap (llms.txt returns 404 on this host) and grepped: zero occurrences of "p2p" or "peer". Worldline documents one page per branded method and publishes no P2P method page.Checked 20 October 2026

10 sources · last checked 21 October 2026 — each one says which claim it supports.

Compiled from public sources — verify with P2P before you sign anything. How we compile this · Suggest a correction ·