Venmo processes your debit or prepaid card transactions, either via the ATM debit network or via the Visa, Mastercard or Discover network. If you receive a payment and the payment is disputed, you may be held responsible for the payment. A CreditCards.com audit of 29 major card issuers found that 23 mandatory arbitration clauses are being used to block customers` access to the court, based on their ongoing credit card agreements submitted to the CFPB and other corporate communications. . . .