You have great taste in your article. Nice job! ETA di Nova Zelanda 

[blockquote]Winston Cole said:

How would I go about creating a peer-to-peer payment app? Any ideas?

[/blockquote]

Unfortunately, this is not the easiest of tasks. I founded Evenly approx. 8 months ago to accomplish the exact goal you described above.

I don't have a ton on the backend side to add to Chris' answer. However, I can say, you should rely on as many third parties as possible until you've proven product-market fit. There's no sense in spending months building deep payment relationships and then seeing your platform get no traction. Integrate with us, WePay, or someone else, prove that you've found something amazing, and then invest behind unique payments relationships.

It's also worth noting, there are companies like Splitwise, Billmonk, etc. that have built everything up to (but excluding) the actual payment experience - this is another route to take depending on proposition of your idea.

Honestly I wouldnt think that it is quite an easy area. If you want to create some professional payvement solution for your business I would like to recommend working with some trusted resource to get the most updated info first of all. That`s why read reviews, go through portfolios, check this article about peer-to-peer payment app https://agilie.com/blog/smart-payments-solutions-how-to-build-a-peer-to-peer-payment-app. I`m pretty sure you`ll take the best decision. Good luck

How would I go about creating a peer-to-peer payment app? Any ideas?