Best Payment Apps for Small Businesses in 2025
Published May 27, 2025 · 8 min read
Getting paid should be the easiest part of your business — but not all payment apps are created equal. Whether you’re a solo entrepreneur, freelancer, or run a small storefront, the right app can streamline your finances and keep customers happy.
We’ve compared the most popular business payment tools for 2025, focusing on fees, ease of use, and features for growing businesses.
1. Square – Best All-in-One Payment Platform
Square makes it easy to accept payments in person, online, or via invoice. Their mobile reader is perfect for pop-ups and markets, while their POS system works great for storefronts. Features include inventory tracking, appointments, and integrated reporting.
2. PayPal Business – Most Trusted for Online Sales
PayPal is still a favorite for e-commerce and invoice-based businesses. You can accept credit cards, set up subscriptions, and track payments with ease. They also offer working capital loans and integrations with platforms like Shopify and WooCommerce.
3. Venmo for Business – Best for Social and Microbusinesses
Venmo’s Business Profiles let you accept payments via a QR code or username. It’s best for side hustles and service-based entrepreneurs — dog walkers, tutors, or food vendors. Note: There are transaction fees, and it’s not ideal for high-volume operations.
4. Zelle for Business – Fastest Bank-to-Bank Transfers
If you and your customers use major banks, Zelle is a fast, free way to move money. No fees, no delays — just direct bank transfers. However, it lacks the invoicing and tracking features of other apps.
5. QuickBooks Payments – Best for Accounting Integration
Already using QuickBooks? Their Payments feature lets you send invoices and accept credit cards right in your dashboard. Great for service businesses that need clean books at tax time.
🙋♀️ Which One Is Right for You?
- Square if you sell in person or want everything in one place
- PayPal for online shops and freelance invoicing
- Venmo for casual, small-volume transactions
- Zelle if you want instant, fee-free transfers
- QuickBooks if you’re already using it for accounting
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