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When you go to a restaurant with friends and need to split the bill, instead of handing the server all your credit cards, you could just use the app Venmo instead.
Your bank accounts are connected with a few clicks on your phone so you can send each other money.
But in L.A., Venmo is also being used in a scheme against people selling expensive equipment online.
The buyers pay using the app and take the goods, but then hours later Venmo tells the seller that the payment was fraudulent.
It calls into question what kind of anti-fraud protections there are for Venmo users, and Russell Brandom, reporter for The Verge, tells Take Two why.