Paying friends back is easier than ever thanks to our phones.
Here are three services worth a try.
Venmo is one of the most popular peer to peer payment apps right now.
The app works on IOS and Android phones and lets you send or request money from other friends on your network.
The money stays within the app until you transfer it manually.
But it'll take between one and three business days to get to your bank account.
Zell is probably the fastest way to get money to your bank.
That's because it's the same system used by most major banks.
And once the money is sent you don't have to do anything else, The money will appear in your account within minutes after your first transaction.
Chances are you already have this next one installed in your phone.
Facebook Messager is a convenient way to send money to friends without even leaving the conversation.
Just click the money sign and send or request.
Payments take about a day to go through, only use these peer-to-peer payments and services with people you know to avoid scams.
In San Francisco, I'm Vanessa Hand Orellana, CNet.com for CBS News.