Venmo is a very popular mobile app which simplifies payments among friends. Once you link your bank account or credit card, you can start sending money to others, instantly.
With Venmo, you are not limited to just make payments. It allows you to charge others as well. Say your friend had no cash for that tasty burrito and you paid for it. You have the option to be proactive and “charge” your friend using Venmo. Charging someone does not mean that the money will be withdraw from his account, it just means that he will get a notification and see the pending payment in his account. Your friend has to accept the charge in order for the payment to happen. And this functionality is what we are going to take advantage of.