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Splitwise users in the U.S. can transfer money via third-party payment providers when settling up. After clicking the "Settle up" button to pay a friend, you should see multiple options for how to pay, including cash, PayPal, and Venmo. In our mobile apps, some options may only appear if you have the corresponding app installed (e.g. the Venmo option will only appear if you also have the Venmo app installed on your phone).