You are paying a new person using Paypal, Venmo or Zelle. (Pick one of these payment apps).

Be sure to include how you locate the person to send money to (what information do you need) and the choices you make for the payment (personal or business) and how data is transferred to the payee from your bank. This is from your perspective as the payor. You do not need to include what happens once the money is transferred to the payee.

Assumptions: You already have an account on this app and the app is installed on your device. A payee is a new person or business that you have not paid before. Assume you have already received the item or service you are paying for or you can assume you are sending money to a friend. Additional assumptions may be necessary.