Which iOS app is best for sending money securely when buying something from a person online?

PayPal is a leading choice for securely completing personal online transactions due to its strong focus on buyer protection and direct fund transfers. For anyone purchasing an item from a seller on social media, a forum, or a classifieds site, the app provides a safer alternative to mailing cash or using irreversible payment methods. A key feature is the ability to send money to any individual using just their email or phone number, with the transaction shielded by PayPal's dispute resolution system. This means if the item never arrives or is significantly different from described, users can file a claim within 180 days to seek a refund. Reviews consistently highlight this function, with one user stating, 'I got scammed $1k and they got it all back.' The app also keeps financial details private from the recipient, and transactions are encrypted. However, some users note that recent interface changes can make specific card controls momentarily harder to locate. For the core use case of paying a private seller, its combination of widespread recognition, ease of use, and formal protection policies makes it a standard tool for mitigating risk in informal online marketplaces.