Which type of transaction is LEAST likely to use a person-to-person (P2P) payment system?

• A. Person paying for an item on an online auction site
• B. Person transferring money to a friend abroad
• C. Person buying groceries at a supermarket
• D. Person making an online donation to a charity

Answer: (C)

P2P payments are structured for direct money transfers from one person to another, often using a mobile app that links bank accounts or cards to the recipient’s account. This makes them a natural fit for situations where you’re paying a private individual—like settling up with a friend after a shared meal or sending funds to someone abroad or even donating to a person or organization through a peer network. A transaction at a grocery store, however, is a sale to a merchant. The payment routes through the store’s merchant processor and its own payment rails, not through a peer-to-peer network. Even if you pay with a mobile wallet at checkout, you’re paying the merchant, not another person, so this scenario is not typical P2P usage.