They must be popular in pockets of people here and there, because I've never used either of them or seen them in the wild. I had to look up what Venmo was a week ago when someone mentioned it here. As far as I can tell, it's a "hipper" version of PayPal except it's not supported by web stores or anywhere else I might buy something. So cool I guess--I'm probably just an out of touch old fogey--I don't use Snapchat either.