Here's why you should stop using Venmo, and start using Facebook Messenger for paying back your friends

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There are a lot of cash-sharing services out there that are specifically designed to be used between friends and family, as a way to split the bill without ever exchanging paper money.

The most popular payment apps include Venmo, Google Wallet, Snapcash, and a handful of bank P2P services. These are a little different from ecommerce apps like PayPal, which are typically used for more goods-and-services types of transactions that take place between a seller and a buyer, rather than among friends. In reality, many of these payment apps can do both, but for our purposes, we'll focus on the former.

Venmo, a subsidiary of PayPal, has emerged as the most popular payment app - by a long shot - with reportedly $20 billion transferred between users in 2016. It's been called the "social media" of money exchange.

That said, as a person who has tried Venmo as well as other payment apps, I'm here to make the case for Facebook Payments. Hear me out: