Simple dominates all of these, in my opinion. It is perfect from a user experience side. (If people already have the service, but people really want the service for more than the mobile payments part)
Simple lover here, I agree, I love being able to Simple Instant money to friends but I agree with the reply to your comment about how it's a bank and not a payment service. While I will stay will Simple for the foreseeable future (AMAZING customer support, beautiful app and website, goals, and instant transfer) I am somewhat disappointed in Simple as a company. They came out saying they were going to be a full bank and have an API and all of that and then backtracked on a lot of it. They are just a layer over an existing bank (which limits them somewhat) and there is still no API to be seen.
Also it feels like improvements have been VERY slow coming. Goals finally got some much needed attention but it's still lacking. I have to do everything manually when my paycheck comes in because their goals come out daily. I don't get paid daily, why would I want that money coming out daily? I just want to set aside money for car/rent/insurance/etc when I get paid, maybe things like "wants" (a new TV, computer, etc) work better for the daily pull but even then I'd rather just set aside $XXX when I get paid through goals.
Simple is an entire bank/debit card. Square Cash, Venmo, etc can all be set up on your existing debit card. I certainly hope I don't have to switch banks to do mobile payments.
Simple has several significant limitations, namely, the need to mail checks over a certain threshold (I think $5k) and I don't know whether they do credit origination, either.
End of the day, I went with good-old-brick'n'mortar Wells Fargo because (1) I wanted to establish a long-term customer relationship with a bank that can provide me with various credit products (including for business) (2) their ATM network is ubiquitous where I live (SF) and (3) there are many branches with convenient hours for when I want to do something a little off the beaten path.
I don't give a rat's about how quickly a $10 payment is available. I care a lot more about good fraud controls, and the ability to speak to a human being, in person, when things occasionally go wrong.
