Zelle, Venmo, PayPal: Canadians in Florida
Zelle/Venmo U.S.-only. PayPal Canada/USA. All require U.S. bank account + U.S. phone number.
Comparison
- Zelle: bank-integrated, no Canada app.
- Venmo: mobile app, USD only.
- PayPal: web + mobile, multi-currency, CA/US access.