Which of the following safety and privacy features is not included in a P2P app or service? a) A user PIN b) Representative call for confirmation of payments over $100 c) Opt-out of data sharing d) Verification of payment amount before sending

Which of the following safety and privacy features is not included in a P2P app or service?
a) A user PIN
b) Representative call for confirmation of payments over $100
c) Opt-out of data sharing
d) Verification of payment amount before sending