How do I pay crypto to someone?

Could you possibly elaborate on the process of making a cryptocurrency payment to another individual? I'm rather curious as to how this works in practice. Do I need a specific wallet or application? Are there any fees involved? And how do I ensure the transaction is secure and the funds reach the intended recipient? I'd greatly appreciate it if you could provide a step-by-step guide on how to accomplish this task. Thank you in advance for your assistance.