No it really isn't. Venmo is just a platform to pay people. Pay Up incorporates the fact that if people owe each other money, then there is absolutely no need t

No it really isn't. Venmo is just a platform to pay people. Pay Up incorporates the fact that if people owe each other money, then there is absolutely no need to just pass money along (unless necessary) - it finds any cycles that exist between people and reduces/cancels out the debts and makes the life of any group of friends a lot simpler. After that happens, you can USE Venmo to pay your friends if you still owe them money. You have to look at the details - not just the surface.