{"id":526897,"date":"2026-04-02T14:30:00","date_gmt":"2026-04-02T18:30:00","guid":{"rendered":"https:\/\/www.paymentsjournal.com\/?p=526897"},"modified":"2026-04-02T13:31:54","modified_gmt":"2026-04-02T17:31:54","slug":"cash-app-users-can-now-pay-over-time-on-p2p-transfers","status":"publish","type":"post","link":"https:\/\/www.paymentsjournal.com\/cash-app-users-can-now-pay-over-time-on-p2p-transfers\/","title":{"rendered":"Cash App Users Can Now Pay Over Time on P2P Transfers"},"content":{"rendered":"\n<p>Are people ready to borrow from their friends\u2014and pay them back in installments? Cash App is betting they are. The popular payment app launched a feature that lets users split peer-to-peer (P2P) transfers into short-term installment plans, turning everyday money exchanges into mini loans.<\/p>\n\n\n\n<p>While buy now, pay later options have surged in retail, Cash App is the first major U.S. P2P platform to bring pay-over-time capabilities to peer-to-peer payments. Users pay a 7.5% fee on the transfer amount, with weekly repayments stretching up to six weeks. The minimum transfer to qualify is $25, while the maximum varies by user.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-a-younger-more-gig-oriented-market\">A Younger, More Gig-Oriented Market<\/h2>\n\n\n\n<p>Cash App\u2019s user base skews younger and lower-income\u2014groups that may benefit from spreading out P2P payments. The feature could become even more valuable if current economic pressures persist.<\/p>\n\n\n\n<p>In an <a href=\"https:\/\/techcrunch.com\/2026\/04\/02\/cash-app-launches-buy-now-pay-later-feature-for-p2p-pay-transfers\/\" target=\"_blank\" rel=\"noreferrer noopener\">interview with TechCrunch<\/a>, Owen Jennings, Global Head of Business for Block, Cash App\u2019s parent company, noted that many Americans now earn income less consistency than in the past. \u201cThey have side hustles, they\u2019re working multiple jobs, so they have variable income streams,\u201d Jennings said. That\u2019s the market Cash App hopes to appeal to with the new feature.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-deferring-even-small-payments\">Deferring Even Small Payments<\/h2>\n\n\n\n<p>Deferring payments has become increasingly common, even for relatively small purchases. Last year, <a href=\"https:\/\/www.paymentsjournal.com\/what-klarna-hopes-to-gain-from-the-doordash-deal\/\" target=\"_blank\" rel=\"noreferrer noopener\">Klarna partnered with DoorDash<\/a> to let consumers split takeout orders into installments, sparking jokes about taking a month to pay for a burrito.<\/p>\n\n\n\n<p>DoorDash\u2019s plan allowed users to choose payment dates aligned with their paychecks\u2014buy dinner on Tuesday, pay Friday. Cash App hopes for a similar response. Users could send money to friends before it even hits their own banking accounts.<\/p>\n\n\n\n<p>The feature also lets eligible customers turn recent P2P payments into short-term installment plans, instantly receiving the amount back in their balance for an upfront fee and repaying it in weekly installments. Cash App rolled out a similar installment-payment feature a year ago for its debit cards, allowing users to retroactively apply BNPL financing to purchases.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Are people ready to borrow from their friends\u2014and pay them back in installments? Cash App is betting they are. The popular payment app launched a feature that lets users split peer-to-peer (P2P) transfers into short-term installment plans, turning everyday money exchanges into mini loans. While buy now, pay later options have surged in retail, Cash [&hellip;]<\/p>\n","protected":false},"author":8441,"featured_media":371916,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jnews-multi-image_gallery":[],"jnews_single_post":{"format":"standard","override":[{"template":"1","parallax":"1","fullscreen":"1","layout":"right-sidebar","sidebar":"default-sidebar","second_sidebar":"default-sidebar","sticky_sidebar":"1","share_position":"top","share_float_style":"share-monocrhome","show_share_counter":"1","show_view_counter":"1","show_featured":"1","show_post_meta":"1","show_post_author":"1","show_post_author_image":"1","show_post_date":"1","post_date_format":"default","post_date_format_custom":"Y\/m\/d","show_post_category":"1","show_post_reading_time":"0","post_reading_time_wpm":"300","post_calculate_word_method":"str_word_count","show_zoom_button":"0","zoom_button_out_step":"2","zoom_button_in_step":"3","show_post_tag":"1","show_prev_next_post":"1","show_popup_post":"1","number_popup_post":"1","show_author_box":"0","show_post_related":"0","show_inline_post_related":"0"}],"image_override":[{"single_post_thumbnail_size":"crop-500","single_post_gallery_size":"crop-500"}],"trending_post_position":"meta","trending_post_label":"Trending","sponsored_post_label":"Sponsored by","disable_ad":"0"},"jnews_primary_category":{"id":"1278"},"jnews_social_meta":[],"jnews_override_counter":{"view_counter_number":"0","share_counter_number":"0","like_counter_number":"0","dislike_counter_number":"0"},"footnotes":""},"categories":[1284,54],"tags":[64534,62315,60221,8647,894,65618],"class_list":["post-526897","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-debit","category-recent-news","tag-block","tag-bnpl","tag-cash-app","tag-doordash","tag-klarna","tag-pay-over-time"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Cash App Users Can Now Pay Over Time for P2P - PaymentsJournal<\/title>\n<meta name=\"description\" content=\"Cash App has introduced a new feature allowing users to change their P2P transfers into pay-over-time transactions.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.paymentsjournal.com\/cash-app-users-can-now-pay-over-time-on-p2p-transfers\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cash App Users Can Now Pay Over Time on P2P Transfers\" \/>\n<meta property=\"og:description\" content=\"Cash App has introduced a new feature allowing users to change their P2P transfers into pay-over-time transactions.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.paymentsjournal.com\/cash-app-users-can-now-pay-over-time-on-p2p-transfers\/\" \/>\n<meta property=\"og:site_name\" content=\"PaymentsJournal\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/paymentsjournal\/\" \/>\n<meta property=\"article:published_time\" content=\"2026-04-02T18:30:00+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2022\/03\/600261-scaled.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"2091\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Tom Nawrocki\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@paymentsjournal\" \/>\n<meta name=\"twitter:site\" content=\"@paymentsjournal\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Tom Nawrocki\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/cash-app-users-can-now-pay-over-time-on-p2p-transfers\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/cash-app-users-can-now-pay-over-time-on-p2p-transfers\\\/\"},\"author\":{\"name\":\"Tom Nawrocki\",\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/#\\\/schema\\\/person\\\/1c5a9b5ae3fe844a1abcff9194dc5a71\"},\"headline\":\"Cash App Users Can Now Pay Over Time on P2P Transfers\",\"datePublished\":\"2026-04-02T18:30:00+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/cash-app-users-can-now-pay-over-time-on-p2p-transfers\\\/\"},\"wordCount\":349,\"publisher\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/cash-app-users-can-now-pay-over-time-on-p2p-transfers\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.paymentsjournal.com\\\/wp-content\\\/uploads\\\/2022\\\/03\\\/600261-scaled.jpg\",\"keywords\":[\"Block\",\"BNPL\",\"Cash App\",\"DoorDash\",\"Klarna\",\"Pay over time\"],\"articleSection\":[\"Debit\",\"Recent News\"],\"inLanguage\":\"en-US\",\"copyrightYear\":\"2026\",\"copyrightHolder\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/#organization\"}},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/cash-app-users-can-now-pay-over-time-on-p2p-transfers\\\/\",\"url\":\"https:\\\/\\\/www.paymentsjournal.com\\\/cash-app-users-can-now-pay-over-time-on-p2p-transfers\\\/\",\"name\":\"Cash App Users Can Now Pay Over Time for P2P - PaymentsJournal\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/cash-app-users-can-now-pay-over-time-on-p2p-transfers\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/cash-app-users-can-now-pay-over-time-on-p2p-transfers\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.paymentsjournal.com\\\/wp-content\\\/uploads\\\/2022\\\/03\\\/600261-scaled.jpg\",\"datePublished\":\"2026-04-02T18:30:00+00:00\",\"description\":\"Cash App has introduced a new feature allowing users to change their P2P transfers into pay-over-time transactions.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/cash-app-users-can-now-pay-over-time-on-p2p-transfers\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.paymentsjournal.com\\\/cash-app-users-can-now-pay-over-time-on-p2p-transfers\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/cash-app-users-can-now-pay-over-time-on-p2p-transfers\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.paymentsjournal.com\\\/wp-content\\\/uploads\\\/2022\\\/03\\\/600261-scaled.jpg\",\"contentUrl\":\"https:\\\/\\\/www.paymentsjournal.com\\\/wp-content\\\/uploads\\\/2022\\\/03\\\/600261-scaled.jpg\",\"width\":2560,\"height\":2091,\"caption\":\"Real-Time Payments Going Live in Australia\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/cash-app-users-can-now-pay-over-time-on-p2p-transfers\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.paymentsjournal.com\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Cash App Users Can Now Pay Over Time on P2P Transfers\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/#website\",\"url\":\"https:\\\/\\\/www.paymentsjournal.com\\\/\",\"name\":\"PaymentsJournal\",\"description\":\"Payments Content, Expert Insights and Timely News\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.paymentsjournal.com\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/#organization\",\"name\":\"PaymentsJournal\",\"url\":\"https:\\\/\\\/www.paymentsjournal.com\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.paymentsjournal.com\\\/wp-content\\\/uploads\\\/2024\\\/03\\\/cropped-paymentsjournal-icon.jpg\",\"contentUrl\":\"https:\\\/\\\/www.paymentsjournal.com\\\/wp-content\\\/uploads\\\/2024\\\/03\\\/cropped-paymentsjournal-icon.jpg\",\"width\":512,\"height\":512,\"caption\":\"PaymentsJournal\"},\"image\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/paymentsjournal\\\/\",\"https:\\\/\\\/x.com\\\/paymentsjournal\",\"https:\\\/\\\/www.linkedin.com\\\/company\\\/paymentsjournal\\\/\",\"https:\\\/\\\/www.youtube.com\\\/channel\\\/UC8yheGWcDLrJkPlxW-_JvRw?view_as\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/#\\\/schema\\\/person\\\/1c5a9b5ae3fe844a1abcff9194dc5a71\",\"name\":\"Tom Nawrocki\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/wp-content\\\/uploads\\\/2023\\\/11\\\/Thomas-Nawrocki-Headshot-150x150.jpg\",\"url\":\"https:\\\/\\\/www.paymentsjournal.com\\\/wp-content\\\/uploads\\\/2023\\\/11\\\/Thomas-Nawrocki-Headshot-150x150.jpg\",\"contentUrl\":\"https:\\\/\\\/www.paymentsjournal.com\\\/wp-content\\\/uploads\\\/2023\\\/11\\\/Thomas-Nawrocki-Headshot-150x150.jpg\",\"caption\":\"Tom Nawrocki\"},\"description\":\"Tom Nawrocki serves as a Staff Writer at PaymentsJournal.com, where he covers the latest trends and developments in the payments industry.\",\"url\":\"https:\\\/\\\/www.paymentsjournal.com\\\/author\\\/tom-nawrocki\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Cash App Users Can Now Pay Over Time for P2P - PaymentsJournal","description":"Cash App has introduced a new feature allowing users to change their P2P transfers into pay-over-time transactions.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.paymentsjournal.com\/cash-app-users-can-now-pay-over-time-on-p2p-transfers\/","og_locale":"en_US","og_type":"article","og_title":"Cash App Users Can Now Pay Over Time on P2P Transfers","og_description":"Cash App has introduced a new feature allowing users to change their P2P transfers into pay-over-time transactions.","og_url":"https:\/\/www.paymentsjournal.com\/cash-app-users-can-now-pay-over-time-on-p2p-transfers\/","og_site_name":"PaymentsJournal","article_publisher":"https:\/\/www.facebook.com\/paymentsjournal\/","article_published_time":"2026-04-02T18:30:00+00:00","og_image":[{"width":2560,"height":2091,"url":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2022\/03\/600261-scaled.jpg","type":"image\/jpeg"}],"author":"Tom Nawrocki","twitter_card":"summary_large_image","twitter_creator":"@paymentsjournal","twitter_site":"@paymentsjournal","twitter_misc":{"Written by":"Tom Nawrocki","Est. reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.paymentsjournal.com\/cash-app-users-can-now-pay-over-time-on-p2p-transfers\/#article","isPartOf":{"@id":"https:\/\/www.paymentsjournal.com\/cash-app-users-can-now-pay-over-time-on-p2p-transfers\/"},"author":{"name":"Tom Nawrocki","@id":"https:\/\/www.paymentsjournal.com\/#\/schema\/person\/1c5a9b5ae3fe844a1abcff9194dc5a71"},"headline":"Cash App Users Can Now Pay Over Time on P2P Transfers","datePublished":"2026-04-02T18:30:00+00:00","mainEntityOfPage":{"@id":"https:\/\/www.paymentsjournal.com\/cash-app-users-can-now-pay-over-time-on-p2p-transfers\/"},"wordCount":349,"publisher":{"@id":"https:\/\/www.paymentsjournal.com\/#organization"},"image":{"@id":"https:\/\/www.paymentsjournal.com\/cash-app-users-can-now-pay-over-time-on-p2p-transfers\/#primaryimage"},"thumbnailUrl":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2022\/03\/600261-scaled.jpg","keywords":["Block","BNPL","Cash App","DoorDash","Klarna","Pay over time"],"articleSection":["Debit","Recent News"],"inLanguage":"en-US","copyrightYear":"2026","copyrightHolder":{"@id":"https:\/\/www.paymentsjournal.com\/#organization"}},{"@type":"WebPage","@id":"https:\/\/www.paymentsjournal.com\/cash-app-users-can-now-pay-over-time-on-p2p-transfers\/","url":"https:\/\/www.paymentsjournal.com\/cash-app-users-can-now-pay-over-time-on-p2p-transfers\/","name":"Cash App Users Can Now Pay Over Time for P2P - PaymentsJournal","isPartOf":{"@id":"https:\/\/www.paymentsjournal.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.paymentsjournal.com\/cash-app-users-can-now-pay-over-time-on-p2p-transfers\/#primaryimage"},"image":{"@id":"https:\/\/www.paymentsjournal.com\/cash-app-users-can-now-pay-over-time-on-p2p-transfers\/#primaryimage"},"thumbnailUrl":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2022\/03\/600261-scaled.jpg","datePublished":"2026-04-02T18:30:00+00:00","description":"Cash App has introduced a new feature allowing users to change their P2P transfers into pay-over-time transactions.","breadcrumb":{"@id":"https:\/\/www.paymentsjournal.com\/cash-app-users-can-now-pay-over-time-on-p2p-transfers\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.paymentsjournal.com\/cash-app-users-can-now-pay-over-time-on-p2p-transfers\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.paymentsjournal.com\/cash-app-users-can-now-pay-over-time-on-p2p-transfers\/#primaryimage","url":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2022\/03\/600261-scaled.jpg","contentUrl":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2022\/03\/600261-scaled.jpg","width":2560,"height":2091,"caption":"Real-Time Payments Going Live in Australia"},{"@type":"BreadcrumbList","@id":"https:\/\/www.paymentsjournal.com\/cash-app-users-can-now-pay-over-time-on-p2p-transfers\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.paymentsjournal.com\/"},{"@type":"ListItem","position":2,"name":"Cash App Users Can Now Pay Over Time on P2P Transfers"}]},{"@type":"WebSite","@id":"https:\/\/www.paymentsjournal.com\/#website","url":"https:\/\/www.paymentsjournal.com\/","name":"PaymentsJournal","description":"Payments Content, Expert Insights and Timely News","publisher":{"@id":"https:\/\/www.paymentsjournal.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.paymentsjournal.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.paymentsjournal.com\/#organization","name":"PaymentsJournal","url":"https:\/\/www.paymentsjournal.com\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.paymentsjournal.com\/#\/schema\/logo\/image\/","url":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2024\/03\/cropped-paymentsjournal-icon.jpg","contentUrl":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2024\/03\/cropped-paymentsjournal-icon.jpg","width":512,"height":512,"caption":"PaymentsJournal"},"image":{"@id":"https:\/\/www.paymentsjournal.com\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/paymentsjournal\/","https:\/\/x.com\/paymentsjournal","https:\/\/www.linkedin.com\/company\/paymentsjournal\/","https:\/\/www.youtube.com\/channel\/UC8yheGWcDLrJkPlxW-_JvRw?view_as"]},{"@type":"Person","@id":"https:\/\/www.paymentsjournal.com\/#\/schema\/person\/1c5a9b5ae3fe844a1abcff9194dc5a71","name":"Tom Nawrocki","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2023\/11\/Thomas-Nawrocki-Headshot-150x150.jpg","url":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2023\/11\/Thomas-Nawrocki-Headshot-150x150.jpg","contentUrl":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2023\/11\/Thomas-Nawrocki-Headshot-150x150.jpg","caption":"Tom Nawrocki"},"description":"Tom Nawrocki serves as a Staff Writer at PaymentsJournal.com, where he covers the latest trends and developments in the payments industry.","url":"https:\/\/www.paymentsjournal.com\/author\/tom-nawrocki\/"}]}},"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/posts\/526897","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/users\/8441"}],"replies":[{"embeddable":true,"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/comments?post=526897"}],"version-history":[{"count":0,"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/posts\/526897\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/media\/371916"}],"wp:attachment":[{"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/media?parent=526897"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/categories?post=526897"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/tags?post=526897"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}