Have you sent mobile or online person-to-person payments? If you have accounts at places like Ally Bank and Capital One 360 (formerly ING DIRECT), you can easily send this type of payment. I tried paying a friend with Ally's Popmoney service, but the friend didn't accept it.
This CNNMoney.com article has an interesting overview of person-to-person payments:
According to a 2013 Federal Reserve report, about one in four smartphone owners has made a mobile payment in the past 12 months. Of those, 30% sent money directly to another person, up from 21% in 2011, while the percentage receiving funds (15%) nearly doubled. Read more