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Buddy of mine introduced me to Cash App for my phone, but it is not used by all the banks yet. It's more a peer to peer transfer with no fees. I don't particularly care for the program as it is vague on how to switch payment points. Like if I transfer from an account or a card, I should be...

I just charge accordingly. We will sometimes take the 3% hit on a senior or someone. Most the folks that use cards want the points for travel and shat.