PayPal. Friends and Family.
Problem solved.
You will still get people complaining they don't use PayPal. They can write a check. Otherwise you'll have PayPal, zelle, venmo, cash app and a dozen other payment processors because everyone has their favorite. PayPal is still the number one and can be linked to credit cards, PayPal credit, bank accounts, etc. Without problem.
--Shane
KD6VXI