The 10 Best Mobile Payment Apps for Small Businesses in 2023 (2023)

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The world of technology is constantly evolving and mobile payment apps are no exception. As more businesses move to digital payments, small business owners need an efficient and secure way to accept payments quickly and easily. In this article, we're going to take a look at the 10 best mobile payment apps for small businesses in 2023. Let's get started!

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Fue sind Mobile-Payment-Apps?

Mobile payment apps are digital platforms that allow customers to make payments to businesses using their smartphones. These apps offer customers a safe and convenient way to send and receive money without having to use cash. Many of these apps also offer additional features like loyalty programs, discounts, and rewards that make them even more attractive to small business owners.

How do mobile payment apps work?

Mobile payment apps use your smartphone's camera or Near Field Communication (NFC) technology to securely and quickly transfer money. To use a mobile payment app, customers open the app on their phone and select the payment method they want to use. They may need to scan a QR code provided by the company or enter their payment information into the app. Once the transaction is completed, both parties will receive a notification confirming that the payment was successful.

The 10 Best Mobile Payment Apps for Small Businesses in 2023 (1)

Benefits of using mobile payment apps in business

Mobile payment apps offer businesses of all sizes a convenient, secure and fast way to accept digital payments. Here are five reasons why you should use them in your business:

  • Increased payment security:Mobile payment apps encrypt data and apply other security measures to ensure that personal and financial information is safe when transacting online.
  • Low fees:Compared to traditional credit card processing fees, most mobile payment apps have lower fees and/or cost significantly less per transaction.
  • Improved Efficiency:With mobile payment apps, customers can pay more quickly at an electronic terminal or simply scan a QR code with their mobile phone. This speeds up the entire checkout process and gives customers more control over how they choose to pay.
  • Best customer experience:Mobile payment apps enhance the customer experience by not only offering a convenient payment method, but also an array of features such as loyalty programs, discounts, rewards and much more for customers to take advantage of.
  • Real-time data analysis:Mobile payment apps give businesses access to real-time information about where their revenue is coming from and what types of products are selling well, so they can make informed decisions about their future business.

Top 10 mobile payment apps

The proliferation of smartphones and mobile devices has made it easier than ever to accept payments on the go. Whether you're looking for an all-in-one app that can cover multiple payment types, or a simple way to pay without contact, there's a mobile payment app to suit your needs. Here are the top 10 mobile payment apps for businesses of all sizes:

1. square

square furnitureis a payments company offering an integrated mobile-first payment platform. This platform allows customers to accept payments via their mobile devices and the web with features such as virtual terminals, invoicing and recurring billing.

Platforms:iOS, Android devices, online or in person

Cost:2.6% + 10¢ per transaction when card is present, 2.9% + 30¢ per transaction when card is not present, and 3.5% + 15¢ per manually entered transaction

2. poison

Venmois a PayPal payment app. It allows users to instantly send and receive money using their phone or computer. Venmo also allows users to easily split bills, making it popular with friends, family, and roommates.

Platforms:iOS, Android, online or in person

Cost:3% when you use your credit card to send money, 1.9% + $0.10 to receive payments on your business or charitable profile or for goods and services

3. Google Pay

GooglePayis a mobile payment service and digital wallet powered by Google. Users can pay in stores, online and in apps with their credit and debit cards linked to their Google account. It also allows users to save loyalty cards, deals and more for easy access while shopping.

Platforms:Android devices that have an NFC (Near Field Communication) chip.

Cost:Free + usual credit/debit card transaction fees

4. Application of money

money appis a mobile payment service from Block Inc. It allows users to send money to friends and family, pay bills and buy products online. Cash App also offers users an optional debit card. These debit cards can be used to withdraw cash at ATMs and make purchases in stores and online.

Platforms:Android, iOS, Windows e Mac

Cost:Free to send and receive money and standard bank deposits, 0.5% to 1.75% fee for instant deposits to your debit card

5. Apple Pay

ApplePayis a mobile payment service and digital wallet developed by Apple Inc. It allows users to make payments using their iPhone, iPad, Apple Watch or Mac. With Apple Pay, users have access to a safe and private way to securely pay for goods and services online using their devices.

Platforms:iOS, iPadOS, watchOS or macOS

Cost:Free + usual credit/debit card transaction fees

6. Samsung Pay

SamsungPayis a mobile payment service and digital wallet developed by Samsung Electronics. It allows users to make payments using their compatible Samsung devices. The service supports a wide variety of payment methods, including NFC payments on contactless terminals, QR codes, magnetic stripe cards, and select credit cards or loyalty programs.

Platforms:Samsung Pay works with compatible Samsung devices

Cost:Free + usual credit/debit card transaction fees


Paypalis an online payment system that allows users to receive and send money electronically. PayPal is used for online purchases, peer-to-peer (P2P) payments, and in some cases, offline retail purchases.

Platforms:Android, iOS, in person or online

Cost:1.9% to 3.5% per transaction, plus a flat fee of 5 to 49 cents, plus a 1.75% instant bank account fee (max $25)

eighth cell

she was wholeis a digital payment service that allows users to send money directly to another person or business. It works through any participating bank or credit union and is available in the US.

Platforms:Mobile or cellular banking apps, participating banks and credit union websites


9. Stripes

stripesis a payment processing platform that offers a user-friendly interface to process credit cards, debit cards and other digital payments with minimal setup. Stripe also offers fraud protection and supports over 135 different currencies.

Platforms:Android, iOS, in person or online

Cost:2.9% + 30¢ per successful transaction

10. Quickbooks GoPayment

Quickbooks GoPaymentis a payment processing service that integrates seamlessly with QuickBooks accounting software, making it easy for small business owners to keep track of their finances. The download is free but requires QuickBooks Payments to process transactions.

Platforms:Windows, Mac, iOS e Android

Cost:(QuickBooks Payout Fees) Range from 2.4% to 3.4% + 25 cents per transaction

How to choose the best mobile payment app for your business

Choosing the right mobile payment app for your business can be difficult. With so many options, it can be difficult to know which one is best for your needs. Here are three key factors to consider when choosing a mobile payment app:


Mobile payment security is paramount. Be sure to choose an application that includes encryption and other security measures to protect customer data.


Compare the fees and charges of different apps before choosing. Some may have a higher cost per transaction, while others offer better value for a monthly subscription.


Consider features like loyalty programs, discounts, rewards and other ways to enhance the customer experience when choosing a mobile payment app for your business.

Are paid apps worth the cost?

Yes, paid apps are worth the cost. They offer businesses convenience, security and greater efficiency so they can process payments quickly and with less hassle. Additionally, many payment apps have additional features that can help increase customer loyalty.

Is cell phone safer than Venmo?

Both Zelle and Venmo have strong security features to protect user data. Cell is affiliated with banks and credit unions, which means that a higher level of authentication is required before users can transfer funds. This makes it slightly more secure than Venmo. Finally, both paid apps offer strong security measures, so choosing one or the other depends on personal preference.

Can mobile payments be accepted without a bank account?

It's possible to accept mobile payments without a linked bank account using services like Cash App, which offers a free customizable debit card linked to your balance. Transactions can be made directly with the card, making it quick and easy to access and use your earnings.

What is the most used payment application in the United States?

Apple Pay is the most used payment app in the United States, with more than 43 million people using it at least once. It's an easy and secure way to make payments and transfers on mobile devices.

What is the best mobile payment app for international payments?

PayPal is one of the best mobile payment apps for international payments. It offers an easy and secure way to send money to over 200 countries and regions, and you can use it for payments and transfers. It also allows you to pay in several different currencies, making it ideal when you need to pay abroad.

What is the most secure mobile payment app?

Zelle, one of the most secure mobile payment apps available, gives users the ability to send and receive money quickly and securely. It's easy to set up, with no additional fees or charges, and all transactions are protected with industry-leading fraud protection.

What is the best mobile payment app for small businesses?

This will vary from company to company. However, the best mobile payment app is one that offers a secure and reliable way to send and receive funds. It should also have low or no additional fees, good customer service, strong fraud protection, and easy setup and use.


  • mobile payments
  • mobile payment apps
  • Trends in payment processing
  • point of sale system
  • iPhone accepts credit card payments
  • The cheapest way to send money

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