This May 18, 2021, photo shows a woman typing on a laptop on a train in New Jersey. Scams are common on peer-to-peer payment apps, but you can keep your money safe by avoiding questionable payment requests that may be fraudulent, only sending money to people you know and upgrading your privacy settings. While payment apps are convenient, they also carry risks if you use them without first vetting who exactly you are sending money to. (AP Photo/Jenny Kane, File)