I guess Zelle is the replacement. I've sent thousands to strangers with it with zero problems or fees. I don't like it at all because it is private and in my view a way for banks to avoid accountability.

But also zelle isn't really an option if you are anything bigger than a single person business.

Very similar use case but even for smaller amounts. I try to be as free software as possible so USDC is my go to alternative to Venmo/Apple Pay. I would use GNU Taler if it worked with U.S. banks.