Not for Zelle/Venmo/etc.. Zelle is for P2P (person to person) and FedNow is for A2A (account to account). There are no take backs on FedNow so it's not intended to be used for P2P. No take backs means no recourse for fraud etc.. FedNow should supplant ACH waaaaaaaaaaaaaaay down the line.
I can't speak to Venmo/Cashapp, but Zelle does take backs. It's for specific areas of fraud such as the fraudster impersonating a government official/agency, or things like fake not for profits.
There are takebacks on Venmo. Someone recently paid me and then asked Venmo Support to reverse it. Venmo pulled the money out of my account without even checking with me. I'd have happily reversed the transaction if the sender had just asked me. If you're selling something to a stranger, nothing beats cash.
