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How do you pay with a QR code? Are QR code payments worth investing in as a small business? Here's everything you need to know.
Shannon has been writing for Merchant Maverick about small business software and financing since 2015. She started writing professionally about business topics in 2005. Shannon has been featured in the Washington Post, Reader's Digest, US News, MSN, Yahoo Finance, Business Insider, and other publications. She has a bachelor's degree in English from San Diego State University and currently resides in San Diego, California.
WRITTEN & RESEARCHED BY
Shannon VissersShannon has been writing for Merchant Maverick about small business software and financing since 2015. She started writing professionally about business topics in 2005. Shannon has been featured in the Washington Post, Reader's Digest, US News, MSN, Yahoo Finance, Business Insider, and other publications. She has a bachelor's degree in English from San Diego State University and currently resides in San Diego, California.
Expert Contributor
Last updated onUpdated
Frank has been writing about payment processing and business services since 2015. He is a retired Air Force officer and a former practicing attorney. He has a Bachelor of Science degree in Psychology from The Pennsylvania State University and a Juris Doctorate degree from the Ventura College of Law.
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Frank KehlFrank has been writing about payment processing and business services since 2015. He is a retired Air Force officer and a former practicing attorney. He has a Bachelor of Science degree in Psychology from The Pennsylvania State University and a Juris Doctorate degree from the Ventura College of Law.
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Our content reflects the editorial opinions of our experts. While our site makes money through referral partnerships, we only partner with companies that meet our standards for quality, as outlined in our independent rating and scoring system.
The QR code payment — also known as “scan to pay” — is an increasingly popular alternative to cash and credit cards for small businesses. Fortunately, this technology is easy to implement and all of the best credit card processing companies offer QR code payments.
Accepting payments with a QR code is as simple as displaying a code on your POS screen or phone that customers can scan with the cameras on their phones. To get started, your business just needs a QR code payment app that can accept scan-to-pay transactions.
A QR code is a “Quick Response” code, a type of two-dimensional barcode that’s scannable with a smartphone camera or barcode reader. QR codes can be used to share information or to complete a mobile/online payment.
Typically, customers scan a merchant’s QR code with their phones. They are prompted to open a website or QR code payment app to finish the payment. Then, they’ll enter credit card details or connect a mobile wallet such as Apple Pay to finish the transaction.
Businesses can also process QR code transactions by scanning a customer’s QR code. For example, the customer might have a plastic gift card with a QR code printed on it or a digital QR code saved in their mobile wallet.
How Do QR Code Payments Work?
There are a couple of ways to accept QR code payments at your business. Here’s how it works.
Displaying A QR Code That Customers Can Scan To Pay
Customers can scan your business’s QR code to pay.
The Customer Needs a Smartphone: To pay with a merchant’s QR code, the customer needs to scan the code using their phone’s camera.
Can Be Digital Or Physical: The merchant’s QR code can be printed (e.g., on a sign or a receipt) or displayed on a screen.
Works In-Person Or Online: Merchants can display QR codes at their brick-and-mortar stores or online using their website.
Your Business Needs A QR Code App: To generate a QR code, your business needs an account associated with that particular QR code app, such as Venmo, Square, or another software service.
Your Customer May Not Need An App: With some QR code payments, the customer will need to use a specific QR code payment app. But in many cases, the customer can scan your code and complete payment in a browser without using a specific app or account.
Scanning A Customer's QR Code
Businesses can also scan customers’ QR codes to collect payment.
The Customer Can Use An App Or Mobile Wallet: The customer may pay with a QR payment code saved to their mobile wallet or using a QR code payment app that lets them display a QR code linked to their saved payment information.
Your Business Needs The Same App: To accept a customer’s QR code payment, your point of sale will need to be configured to use the same QR code payment app, service, or POS software that generated the code.
The Customer Can Also Show You A Printed Code: The customer’s printed QR code might show proof of completed payment, such as with a physical gift card that has a QR code printed on it.
You Need The Right Equipment: To scan a QR payment code, your business needs a mobile POS device (smartphone or tablet) with a camera or a 2D barcode scanner that can read QR codes.
8 Best Scan To Pay & QR Code Payment Apps
QR code payment solutions are offered by both traditional merchant account providers (e.g., First Data or Elavon) as well as payment service providers (e.g., Square or PayPal) These are our top choices for scan-to-pay apps.
Helcim is a refreshingly transparent payment processor offering interchange-plus pricing with month-to-month billing and straightforward merchant services. Helcim is ideal for low-risk businesses, ideally with high processing volumes, since the higher your processing volumes are, the more you save. Helcim works well for online and in-person payments, with or without a full POS system.
Helcim QR Payment App Features
Helcim QR payment codes can be displayed wherever you do business, online or off. The QR code links to a hosted online checkout page that makes it easy for customers to pay online without the need for a full eCommerce website. You can also use Helcim to add online and QR code payments to your current website.
Here are some features of Helcim QR payment codes:
Free, no-contract account
Free hosted payment pages with QR code payments
No need for customers to download QR code payment app
Create custom QR code payment pages for purchases, donations, rentals, gratuities, & more
Free virtual terminal
Affordable card readers & smart terminals
Helcim Pricing
Helcim has no monthly fee. Helcim charges interchange-plus transaction fees for in-person and online payments, including QR code payments. These fees vary depending on your monthly sales volume, but Helcim says its average keyed-in and online payment rate is 2.49% + $0.25.
Contract Requirements/Warnings
Helcim does not have any contracts, so you can stop using the service at any time. However, Helcim will not accept high-risk businesses.
Helcim Is Best For Businesses That ...
Belong to a low-risk industry
Have high processing volumes (ideally at least $25,000/month)
Want to offer easy online checkout but don’t need a full eCommerce website
Exclusive Promo: PaymentCloud will give you $200 if they can't beat your current rate. Get Your Quote
Pros
Reputable high-risk processor
Online & printed QR codes
Samsung Pay & Apple Pay integrations
Cons
Pricing is not transparent
Why We Chose PaymentCloud For High-Risk Businesses
PaymentCloud differentiates itself from other payment processors not just because it caters to high-risk businesses, but because it is one of the few reputable processors in the high-risk processing space. This processor is so well-regarded that low-risk processors such as Stripe and Dharma Merchant Services commonly refer rejected applicants to PaymentCloud.
PaymentCloud allows high-risk businesses to accept a variety of electronic payment forms, including QR codes. PaymentCloud QR codes are ideal for remote businesses that sell online, over the phone, and via catalog sales, as well as in-person retail.
PaymentCloud QR Code Payment App Features
You can send your QR payment links to your customers via a text or email invoice, or they can scan a QR code from a printed receipt. The customer then completes the payment on their phone by entering their credit card info or approving the transaction with Apple Pay or Samsung Pay.
As follows are the main features of PaymentCloud QR codes:
Payment processing for high-risk businesses such as MOTO, adult, crypto, CBD, vape, & others
No need for customers to download a QR code payment app
QR payment codes can be scanned from a screen, printed receipt, or invoice
POS hardware options include Clover, Poynt, & others
Customers can pay with Apple Pay or Samsung Pay accounts
Can be used in retail, mobile, or eCommerce settings
PaymentCloud Pricing
PaymentCloud does not list its monthly or transaction prices (including prices for QR code payment processing) on its website. This is common practice among high-risk processors, as rates are usually customized for each particular business based on business type, processing history, sales volume, credit history, and other factors.
Contract Requirements/Warnings
PaymentCloud does not list its contract information on its website. In general, lower-risk businesses may be eligible for month-to-month contracts, while higher-risk businesses will likely have to sign long-term contracts.
PaymentCloud Is Best For Businesses That ...
Belong to a high-risk industry
Have been rejected by other payment processors
Want to send QR code payments via invoice, receipt, text-to-pay, email, or social media
Get a free card swiper from Square at no cost when you create a free account. Claim your card reader.
Pros
No monthly fee
Multiple ways to accept QR code payments
Customer doesn’t need to have an app installed
Cons
Possible issues with account stability
Doesn’t integrate with third-party QR code apps like Venmo
Why We Chose Square For Low-Volume Businesses
Square is an all-in-one point of sale system you can use to take QR code payments at your brick-and-mortar business, on the go, or online, using any combination of Square POS hardware options and add-ons. Square can be used for just about any industry and any size business, though it's especially popular with quick-serve restaurants, small retailers, mobile businesses, and service-based businesses (such as hairstylists).
Square uses a flat-rate processing model, which works best for low-risk, low-volume businesses with small ticket sizes.
Square POS Scan To Pay Features
There are multiple ways to accept QR code payments at your business using Square. When completing any transaction on the Square POS app, the customer can scan a QR code on your POS device and pay on their own phone — and also add a tip, if they like. You can also offer online QR codes or print out QR codes on receipts or for a larger display.
Here are the main features of Square’s QR code program:
Free QR code payment app
Comes with a free online store
Customers can pay with all major credit and debit cards, Apple Pay, Google Pay, Square Cash, & AfterPay
Accept printed, digital, mobile, brick-and-mortar, & online QR code payments
Square Pricing
Square’s regular monthly price is $0/month, though the POS company also offers paid plans and paid add-ons. You do not need to be on a paid plan to utilize Square’s QR code payment features.
Square charges 2.9% + $0.30 on QR code transactions, which is the same price Square charges for all online payments.
Contract Requirements/Warnings
Square contracts are pay-as-you-go/month-to-month, which means you can stop using Square at any time without incurring a penalty. However, Square does not offer users a dedicated merchant account, which could mean less account stability compared to using a POS system with a traditional merchant account.
Square Is Best For Businesses That ...
Belong to a low-risk industry
Have a low processing volume (ideally less than $10,000/month)
Have a low average ticket size (ideally below $15)
Card-not-present transaction fees charged for QR code payments
Long-term processing contract
Why We Chose Toast For Fast-Casual Restaurants
Toast is a proprietary Android POS system designed expressly for restaurants. Toast's QR code system has many features for fast-casual setups with dine-in or takeout customers. This tech-forward system is an excellent choice for any type of restaurant business that wants to modernize its ordering system.
In addition to built-in QR code payment acceptance, Toast has many digital ordering and payment options, including proprietary tableside ordering devices for servers and online ordering with the Toast Takeout app. Toast also makes it easy for your patrons to order and pay from their own phones with scan to pay.
Toast POS Scan To Pay Features
To complete a QR code payment in Toast with scan to pay, your customer scans a printed QR code to browse your menu, order, and pay, all from their mobile device. iPhone users also have the option to pay with Apple Pay. If you have the Toast Loyalty add-on, customers will be prompted to sign up for rewards when they use scan to pay.
Here are some more things to know about Toast’s scan-to-pay features:
No need for customers to download a QR code payment app
Scan to pay add-on includes QR code menus, ordering, & payments
Collect guest data on each QR payment that you can use with your marketing & loyalty programs
Prompts every guest to sign up for your loyalty program at QR code payment checkout
Encourages higher customer spending with item descriptions, filters, & modifiers
Toast Pricing
Toast plans range from $0/monthto $165/month (the free plan has higher credit card processing rates), and there are also custom pricing plans available. However, Toast’s QR code payment system, Toast Mobile Order & Pay™, is a paid add-on and Toast does not list the pricing on its website.
If you pay for your Toast hardware and POS software upfront, scan to pay transactions are charged at Toast’s card-not-present rate: 3.5% + $0.15 for Visa, Mastercard, and Discover, and 3.89% + $0.15 for AMEX.
Contract Requirements/Warnings
Toast requires a 2+ year contract, and there may be an early termination fee if you end your contract early. Before signing up for Toast, make sure you are ready to make a commitment to this POS system.
Toast POS Is Best For Businesses That ...
Are in the hospitality industry (ideally fast-casual)
Wants to let patrons order and pay on their phones
Needs a scan to pay option with integrated loyalty
Month-to-month pricing available from some Clover vendors
Cons
Card-not-present transaction fees for QR code payments with Clover Dining
Customer must have Apple Pay, Venmo, or PayPal for QR code payment
Why We Chose Clover For Counter-Service Restaurants
Clover is a fast and easy-to-use POS system that combines sleek proprietary Android hardware with payment processing in one all-in-one point of sale system. Clover has several hardware options -- including Clover Station, Clover Mini, and Clover Flex -- and can be used in many industries.
Thanks to its fast processing speed and swivel screen for easy tipping at the counter, Clover is especially popular with counter-service businesses such as coffee shops and even has a plan made just for counter-service businesses. Clover also has multiple ways that customers can pay with QR codes.
Clover Scan To Pay Features
Restaurants using Clover Dining can allow customers to scan a QR payment code on their receipts to pay on their iPhones using Apple Pay. Clover also integrates with PayPal and Venmo. To accept a PayPal or Venmo payment on a Clover POS device, the merchant simply displays a QR code on their screen, which customers can scan to pay using their PayPal or Venmo app.
Here are the main Clover features to know for businesses interested in QR code payments:
Multiple types of QR codes are accepted (Apple Pay, Venmo, & PayPal)
Apple Pay QR code printed on restaurant receipts
Digital scan-to-pay QR codes displayed on POS screen (for Venmo & PayPal payments)
Industry-specific POS plans
POS system available for purchase through multiple vendors & MSPs
Clover Pricing
Clover pricing depends on your plan and how many devices you use.
Note that while Clover plans start at $0/month and the POS can be used by businesses in the retail, restaurant, and service industries, Clover’s Scan To Pay and Scan To Order solutions (Apple Pay QR code payments for restaurants) require a plan with Clover Dining (Counter Service plan or Table Service plan), which start at $59.95/month for one device. However, you can accept PayPal and Venmo QR code payments on non-dining Clover software plans.
As for transaction fees, Clover charges card-not-present rates for QR code Apple Pay transactions at 3.5% + $0.10. To accept PayPal and Venmo, you’ll just pay PayPal or Venmo’s fee to accept QR code payments, as Clover doesn’t add an additional fee.
Contract Requirements/Warnings
Some vendors offer Clover pay-as-you-go with a month-to-month contract. However, other Clover vendors have different terms, which means a poorly rated Clover vendor/payment processor might stick you with a long-term service agreement.
Clover Is Best For Businesses That ...
Need a full POS system for in-person service
Want a QR code solution that works with Apple Pay, Venmo, & PayPal
Why We Chose Lightspeed Restaurant For Best iPad Restaurant POS
Built for speed and simplicity, Lightspeed is an all-in-one restaurant POS that includes built-in payment processing like Toast (though Lightspeed gives you the option to use an outside processor if desired).
Lightspeed's QR code payment system also works similarly to Toast's, letting customers pay using QR codes online or at your restaurant for dine-in or takeout. However, Lightspeed is better for businesses that want to use iPad-based POS hardware -- which is convenient for restaurants switching from another iPad POS system (or if you want the option to use your hardware with a different iPad POS in the future).
Lightspeed QR Code Payment Features
To accept QR code orders and payments at your restaurant, you can print out QR codes as table signs or add them as an image to your website. In your back office, you can configure your QR codes to direct to either your pickup/delivery website or to your dine-in location, depending on whether you want to use QR codes for online or dine-in orders. Hotel restaurants offering room service can also use Lightspeed Restaurant with QR code ordering.
Here are the main need-to-knows about Lightspeed Restaurant’s QR code program:
No need for customers to download a QR code payment app
Dine-in & online ordering options for QR code payments
Integrates with many restaurant industry apps & hotel PMS software
Lightspeed Restaurant Pricing
Lightspeed Restaurant pricing starts at $189/month. QR code ordering is included with all plans.
Regarding processing fees, Lightspeed charges 2.6% + $0.30 for manually keyed-in and online transactions, including QR codes.
Contract Requirements/Warnings
Lightspeed Restaurant may or may not require a contract, depending on your personalized quote. You may need to commit to at least an annual contract to get the best pricing.
Lightspeed Restaurant Is Best For Businesses That ...
Belong to the hospitality industry
Prefer to use iPad POS hardware
Want to let customers order & pay with QR codes, either for takeout or in-person dining
Can be used to accept QR code payments without a POS
Cons
Customers must have Venmo app
Limited POS integration options
Why We Chose Venmo For Businesses Getting Started With QR Code Payments
Venmo makes mobile payments easy for small businesses and their customers. There are several ways businesses can use Venmo, including Venmo QR code payments. Venmo QR payments come with no monthly costs and affordable processing fees. You can use Venmo QR codes with or without an integrated POS.
Although Venmo QR code payments may not integrate with your POS, Venmo can be a good way to get started with QR code payments. Venmo can also be useful for new businesses that don't have a full POS system yet, and you can get shoutouts in customers' Venmo feeds every time they shop via QR code (if their account is set to public).
Venmo Scan To Pay Features
To accept a QR code payment at your business, your customer can scan your business’s printed or digital QR code with their Venmo app. Alternatively, you can scan the customer’s QR code in their Venmo app.
Venmo QR codes have the following features:
Use with or without a POS
No monthly fee
Multiple ways to accept QR code payments
Free marketing in customers’ Venmo feeds
Uses an app most customers have already
Venmo QR Code Payment Pricing
Venmo does not charge businesses a monthly fee to use its services.
On QR code payments, Venmo charges businesses a flat fee of 1.9% + $0.10.
Contract Requirements/Warnings
Venmo has no contract for businesses; you can stop using Venmo at any time.
Venmo Is Best For Businesses That ...
Don’t have a full POS
Want a free way to accept QR code payments
Want to add Venmo as a payment option (while also accepting other types of payments)
Why We Chose Zettle For Accepting PayPal In-Person
PayPal's mobile POS app, PayPal Zettle, uses QR code technology to let businesses accept PayPal in-store, as well as Venmo payments. The app also features automatic syncing with your PayPal Business account, making Zettle an ideal mobile POS for PayPal sellers who also sell in person. It's also free to use, with no monthly software fee.
You can use Zettle as a mobile POS for on-the-go credit card processing and QR code payments or as part of a countertop POS solution.
PayPal Zettle Scan To Pay Features
To have your customer pay with a QR code, simply enter the amount due on your PayPal Zettle app and select “QR code.” Your customer then opens the Venmo or PayPal app on their phone, scans the code, and the payment is processed. Your customer can also scan your business’s printed signage with your QR code. The customer will need to have their own PayPal and Venmo accounts (and apps) in order to scan for mobile payment.
Here are the main features of Zettle’s QR code payment system:
Mobile POS for smartphones & countertop POS for iPad
The first Bluetooth card reader is only $29 & includes a screen and PIN pad
Complimentary signage to let your customers know you accept PayPal in-person
Integrates with QuickBooks, SalesVu, BigCommerce, WooCommerce, & other POS systems
PayPal Zettle Pricing
PayPal Zettle is a free point of sale app with no monthly fee.
On QR code transactions, PayPal Zettle merchants are charged 2.29% + $0.09. This new pricing went into effect October 2023, and applies to both PayPal QR code transactions and QR code transactions made through a third-party integrator.
Contract Requirements/Warnings
PayPal Zettle is month-to-month with no contract.
PayPal Zettle Is Best For Businesses That ...
Already use PayPal to sell online
Need a basic mobile POS without pricey added features
Want to accept PayPal and/or Venmo payments in-person
Merchant Maverick has been researching the payment processing industry since 2009. Our writers have reviewed hundreds of credit card processors, merchant account services, and mobile payment apps, evaluating each provider carefully on several different metrics.
Weighted Rating Breakdown
Fees & Rates 35%
Contract 20%
Products & Services 15%
Sales & Advertising Transparency 15%
Customer Service 10%
User Reviews 5%
When comparing different payment processing companies and applications to one another, we consider numerous data points. Our experts start by comparing credit card processing rates, the presence of additional fees, contract length, sales practices, and the presence or absence of additional features and services, like point of sale software. Each provider is judged on its own merits and how well it stacks up to industry standards; then it is weighed against the other providers on the list.
We spend an average of 10-15 hours researching and updating each one of our lists, making sure every company or application included meets our internal standards for quality and reputation. Any list of recommended payment processors on our site might contain a mix of standard merchant accounts, third-party payment processors, mobile payment devices, and high-risk payment processors, depending on what our expert feels is the best fit for certain scenarios or business types.
For additional details about Merchant Maverick’s review and rating processes, please refer to any or all of the following methodology pages:
Why You Should Offer Customers A “Pay With QR Code” Option
QR codes have been around since 1994 but didn’t really take off as a way to accept payments until the COVID-19 pandemic. During COVID, QR codes became known as a “socially distanced” payment form that allowed merchants to accept mobile payments at a safe distance. But even as COVID-related restrictions fade, QR codes remain a popular payment option.
In fact, from 2022 to 2024 — long after social distancing fell out of practice in most business settings — QR code scans quadrupled.
Advantages Of QR Code Payments
Here are the major advantages of accepting QR code scan-to-pay at your business:
Reduces Staffing Needs: Since customers complete QR code transactions on their own phones, this reduces staffing needs in both retail and restaurant settings. Restaurants can especially stand to benefit from QR codes, since QR codes can be used both to order and pay for food, greatly reducing the burden on servers.
Saves Time: Particularly when combined with QR code ordering such as in a restaurant or quick-serve setting, QR code payments can save a lot of time. The customer doesn’t have to wait in line to order and pay, or wait at the table for the server to take their order or bring the check after the meal. Not only is the customer’s time saved, but the business benefits from a quicker turnover.
Can Be Used In A Variety Of Settings: Versatile QR codes can be printed or scanned from a screen, making them suitable for a variety of business settings and models. They can be used to make payments online or in person, at your POS, or from another area of your business such as the sales floor or a restaurant table. QR codes can also be used in unique settings such as stadium concessions or ghost kitchens.
May Increase Customer Spend: When customers can order and pay on their own, they are likely to spend more. According to Toast, the average check size is approximately 9% higher for customers using QR code payments versus standard dine-in.
Increases Engagement: QR code payment links can request customer information such as their name and email address, which can be used for CRM. QR code payment systems integrate easily with your email marketing and loyalty program, turning one-time customers into loyal fans.
Easy Price Updates: QR codes direct the scanner to an online payment page that the business owner can modify at their discretion. This makes it easy for restaurants and other businesses to update their pricing as needed, particularly during this time of rising costs.
Disadvantages Of QR Code Payments
There are also some downsides to making QR code payments standard at your business.
Usually Charged At Card-Not-Present Rate: Since QR code payments are technically online payments, they are charged at a higher rate than the standard in-person processing rate. QR code payments may be charged at the processor’s online rate, card-not-present rate, or its own separate rate.
Not As Easy For Older Customers: QR code payments may be easy for younger consumers who are used to using their smartphones for everything, but older customers may struggle to figure it out. And of course, not everyone even has a smartphone.
Not Universal: QR code payment systems use different apps and methods. Your customer may not have the right app installed to make a QR code payment. For example, your business may accept Venmo QR code payments, but your customer doesn’t have a Venmo account. Or your QR code payment system may connect with Apple Pay, but your customer uses an Android or doesn’t have Apple Pay configured on their iPhone.
Is “Scan To Pay” Better Than “Tap To Pay”?
Tap to Pay can refer to Tap to Pay on iPhone or Android, or to NFC payments in general. When comparing tapped and scanned payments, it’s hard to say if one is “better” than the other, as they both serve different purposes for businesses.
With tapped (NFC) payments, a mobile device or contactless credit card must be held closely — within about an inch — to an NFC-enabled payment reader. Using Tap to Pay on iPhone or Android, merchants can accept customers’ tapped payments using just the NFC chip in the merchant’s phone, so no external reader is required.
Scan to pay (QR code payments), on the other hand, allows customers to make a payment on their own, from anywhere. That is, the merchant doesn’t need to be present to accept the payment with their phone and/or card reader.
Scan to Pay and Tap to Pay have certain things in common, as they are both technically contactless, and both can use digital wallets such as Apple Pay.
Tapped payments are considered card-present payments, which means that the merchants will pay a lower transaction fee for tapped payments than they will for QR code payments, which are considered card-not-present payments.
It’s beneficial to be able to take QR code payments at your small business because it allows you to accept payments remotely or in other situations when you don’t have a physical payment reader. With that being said, most merchants will also want a way to accept card-present payments.
Which QR Code Payment App Is Right For You?
QR code payment technology bridges mobile payments and online payments to offer a unique way for customers to pay using their own devices. Now that you know more about QR code payment technology and implementation, you should have a better sense of whether a QR code payment system is right for you.
No matter the type of business you have, it’s good to offer customers at least some alternative payment options, even if you opt to not use QR codes in your business.
FAQs: Best QR Code Payment Apps For Businesses
Are QR code payments secure?
In some ways, a QR code payment is more secure than a transaction in which a credit card is physically exchanged since a QR payment offers no opportunity for an employee or nearby thief to steal the customer’s credit card number.
All online payments, including QR payments, do carry the potential for online credit card theft. However, this risk can be greatly reduced by using a secure, PCI-compliant payment website or app.
Can you pay with QR code online?
You can pay with a QR code online if the payment gateway supports it. Not all payment gateways support payment methods that have QR codes built into the checkout process, including AliPay and WeChat Pay.
Shannon has been writing for Merchant Maverick about small business software and financing since 2015. She started writing professionally about business topics in 2005. Shannon has been featured in the Washington Post, Reader's Digest, US News, MSN, Yahoo Finance, Business Insider, and other publications. She has a bachelor's degree in English from San Diego State University and currently resides in San Diego, California.
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The vendors that appear on this list were chosen by subject matter experts on the basis of product quality, wide usage and availability, and positive reputation.
Merchant Maverick’s ratings are editorial in nature, and are not aggregated from user reviews. Each staff reviewer at Merchant Maverick is a subject matter expert with experience researching, testing, and evaluating small business software and services. The rating of this company or service is based on the author’s expert opinion and analysis of the product, and assessed and seconded by another subject matter expert on staff before publication. Merchant Maverick’s ratings are not influenced by affiliate partnerships.
Our unbiased reviews and content are supported in part by affiliate partnerships, and we adhere to strict guidelines to preserve editorial integrity. The editorial content on this page is not provided by any of the companies mentioned and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author’s alone.
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