Tuesday 31 January 2023

Zoho Bigin Updates Provide Small Businesses with Interoperability and Affordability

zoho-bigin

When a global pandemic impacted businesses large and small beginning in 2020, many struggled to maintain relationships with their customers. Fortunately, technological solutions like Zoho CRM and Bigin helped them find new ways to communicate and organize their activities – even on a remote basis.

Now, with a recession looming, businesses are seeking ways to reduce their spending while effectively launching more efficient processes. A robust CRM helps small business owners ensure operations remain smooth while they provide their clients with many of the same tech-based features offered by larger competitors.

“In my years working closely with small businesses, it is evident that they simply can’t manage multiple tools for customer operations or afford the solutions that are more robust due to limited resources and budget,” says SMB Group co-founder Laurie McCabe.

“It’s frustrating to see that many CRM solutions available to small businesses offer limited functionality — where interoperability with third-party apps, data sharing and pipeline management aren’t included. As a result, they are unable to deliver the level of value small businesses want and need. This problem is so prevalent that 58% of small businesses (with 1-100 employees) say that figuring out what tech solution will work best for them is a top tech challenge. And half note that they struggle to integrate new applications with existing ones, according to our latest research.”

Zoho Bigin Updates

The newest Bigin updates, launched Jan. 31, allows customer-facing teams to manage their operations using pipelines, while also providing a pathway for customized processes and unique innovations.

“Small businesses face challenges in choosing the right technology for managing their customer-facing operations because of constraints related to time, cost, and software implementation,” says Zoho chief operating officer Mani Vembu. “Bigin is the only solution that brings together all customer operations like sales, onboarding, delivery, training, advocacy, and more into an intuitive interface that takes only 30 minutes to deploy.

“By bringing together all the facets of customer operations into a single view, Bigin allows small businesses to have a more accurate understanding of the customer’s journey. These insights help them attract and retain customers, ultimately growing the business. The fast-growing adoption of Bigin shows the expanding appetite of small businesses who want and need CRM technology suited to their particular needs, helping them move beyond old-school spreadsheets,” Vembu says.

Let’s take a look at some of the recent changes to Bigin that can help your business.

Team Pipelines

Customer-facing teams often encounter challenges managing various operations. With Team Pipelines, a single Bigin account can better manage functions with distinct pipelines and sub-pipelines. Users can compile their customer operations in a single location without losing the simplicity and ease of use they have come to enjoy with Bigin.

Plus, Connected Pipelines help teams connect their customer data across different processes for better insights.

Toppings

Bigin’s new Toppings feature lets small business users add extra functionalities and third-party integrations to the standard CRM offering. By doing so, Bigin users gain additional flexibility to customize their solutions based on their unique business needs. For example, a user can build an “email-in” feature so that emails sent to different aliases within an organization are automatically mapped to the relevant customer records in each pipeline.

Developer Center

Zoho has also introduced Developer Center, a platform for developers and partners who want to create custom solutions using Bigin. With various tools and other components, developers can create new toppings and monetize them in the Bigin Marketplace. Commissions from popular toppings could even become an additional pathway to revenue.

Mobile Enhancements

Zoho continues its mobile-first philosophy with its enhancements to Bigin. The latest release now allows users to manage and adjust customer journeys from anywhere using their mobile devices. Users of the Bigin mobile app also can personalize their preferred language options to any of 25 global languages on Android devices and 28 global languages on Apple devices. Further, as Bigin is an exclusive launch partner, Zoho has strengthened its apps for both the Apple iQS16 and Samsung Galaxy Z Fold 4 launches.

What is Bigin by Zoho CRM?

Launched in May 2020, Zoho Bigin is Zoho’s CRM solution designed specifically to help small businesses overcome common challenges while making CRM technology affordable and accessible to them. While Zoho CRM offers enterprise-level capabilities for rapidly growing businesses, Bigin provides a pipeline-centric CRM solution for small and micro businesses that do not yet require such elaborate platforms.

An ideal fit for those who want to manage their business pipelines online, Bigin assists 65% of its users with their first CRM application. After a 30-minute setup process, they gain access to Bigin features allowing for interoperability, data extensibility with third-party apps, as well as plenty of workflow creation and management. Later, users can opt to migrate toward an enterprise-level system such as Zoho CRM or Zoho One.

What can small businesses do with Bigin for Zoho CRM? Bigin helps users track sales across multiple pipelines, keep track of incoming leads, manage day-to-day tasks and connect with customers via email or phone meetings. Bigin offers simple workflow automation, as well as meaningful data visualizations. Plus, Bigin integrates with a wide variety of popular third-party applications that small businesses use every day.

Who is Bigin’s typical user?

In less than 3 years Bigin has attracted more than 20,000 users around the world. But who is Bigin’s typical user? While the software has resulted in outstanding experiences for thousands, the average Bigin user is a company with 25 or fewer employees. In fact, most Bigin subscriptions include 10 users or less, and 65% of Bigin customers are first-time CRM users. Small businesses use Bigin to help them with a variety of business operations, including tickets, orders, refunds, renewals, onboarding, training and even customer testimonials.

In just over 2 years, Zoho has rolled out over 90 enhancements to Bigin, and Bigin users have used the tool for more than 372,000 downloads while leaving more than 2,700 glowing public reviews of the product.

Why should you use Bigin?

Bigin’s satisfied customers rely on the software solution for its effective features, its ease of use and its affordability. After all, most small businesses are about more than merely sales management. A variety of business functions are necessary for success, including onboarding new customers, training new employees, compiling and deciphering sales data, processing trouble tickets, managing orders, issuing refunds and more. Unfortunately, most CRM solutions largely focus on sales.

“That’s why you will see a lot of sales CRM systems in the market and not necessarily it will connect other operations like onboarding, delivery and a lot of essential pieces in their day-to-day business management,” explains Bigin product marketing manager Yatheesh Raj.

Bigin, however, connects all the business operations. From the day-to-day customer-facing business functions to the vital backend processes, Bigin can help small businesses create a unified and cohesive business process that incorporates almost every operation.

Bigin Pricing

Affordability is one of the reasons for Bigin’s resounding success among small business users. Starting at just $7 per user per month, Bigin by Zoho CRM is one of the most inexpensive solutions of its class. It even offers a free addition for single users, as well as free trials of both the express and premier editions so users can try them out without risking annual subscriptions. Plus, since Bigin supports 161 global currencies, it’s a feasible option for small businesses around the world.

This article, "Zoho Bigin Updates Provide Small Businesses with Interoperability and Affordability" was first published on Small Business Trends



Time is Running Out to Win $10K for Your Small Business from Citizens Bank

Citizens Bank has announced that the annual Small Business Community Champion Award Contest is now open for eligible small businesses. now in its sixth year, the award aims to recognize the positive contributions that small businesses make to their communities.

The grant will give $10,000 to 30 small businesses across Citizens’ reach, including ten minority-owned and ten women-owned businesses.

$10K Citizens Bank Small Business Champion Contest

To be eligible businesses should be for-profit small enterprises with a minimum of five full-time or part-time employees or contractors for at least 51% of any calendar year and annual revenue of up to $3 million.

In addition, businesses must either be Citizens Bank’s business banking account holders or be located within states Citizen bank has a presence. To enter, qualified businesses can apply at the Citizen bank’s business champion link by February 7, 2023, and enter for a chance to win $10,000.

Citizens established the Small Business Community Champion Award program in a bid to support communities and small businesses. To date, the program has awarded approximately one million dollars, assisting 82 small businesses in expanding their operations, offering quality products and services to clients, and supporting community progress.

win $10K for your small business from citizens bank

The Perks of Grants and Awards

Grants and awards can help strengthen your business. Especially if you find it challenging to fund your operations and find it difficult to gain loans. Grants and awards are effectively free money and can be a great way to start and expand your business without having to put your future in debt.

Businesses might qualify for grants and awards for a variety of reasons, including supporting specific initiatives, and programs or meeting certain ownership requirements that could be a minority or women-owned business. Grants and awards are funded by a number of government, nonprofits, and commercial groups for a wide range of initiatives and programs.

Besides the financial incentives, there are numerous advantages. Some of them include reputation and recognition from your peers and industry. It offers you excellent PR and media possibilities that build your credibility and social proof.

These all add up to the public’s confidence in your business and an endorsement that you are doing the correct thing. In addition to helping your business expand, awards raise employee spirits as your team enjoys its accomplishments. You have a greater chance of attracting and keeping workers willing to work for your well-respected company by consistently lifting the bar higher than your competitors.

Image: Depositphotos

This article, "Time is Running Out to Win $10K for Your Small Business from Citizens Bank" was first published on Small Business Trends



30 Top Influencers

Do you know who the top social media influencers are? If not, you’re in for a surprise! In this article, we’ll reveal the 30 top influencers regardless of social media platform. These individuals have mastered the art of using social media to build their brands and influence others. So, without further ado, let’s get started!

What Makes a Good Influencer for Influencer Marketing Campaigns?

When looking for a social media influencer to work with on your influencer marketing campaign, it’s important to consider a few key factors. Here are five qualities of a successful influencer:

  • Large social media following. These influencers have the social media skills to grow a large following who hangs on their every word.
  • Relevance to your audience. The influencer’s followers should match up with your target audience.
  • Authenticity. Influencers with a genuine interest in your product or service are more likely to produce quality content and have a positive impact on your brand.
  • Audience engagement. The influencer should be able to produce content that elicits comments, likes, and shares from their followers.
  • Positive reputation. You don’t want to work with an influencer who has a history of negative or controversial posts.

 

  top influencers

Who Is the Most Popular Influencer on Social Media Platforms?

Cristiano Ronaldo, with a massive following on his social media accounts, is the most popular influencer in the world with over 493 million followers. His fame as a professional soccer player for Manchester United only adds to his influence on platforms such as Instagram.

Top Instagram Influencers

Let’s start off our top Instagram influencers list by checking out the most influential Instagram accounts overall, after Cristiano Ronaldo.

1. Kylie Jenner

@kyliejenner is first on our list of top Instagram influencers with a staggering 372 million followers. Kylie is a model, reality TV star, and entrepreneur who has parlayed her fame into a successful cosmetics line.

2. Lionel Messi

@leomessi comes in with 370 million Instagram followers of his own. He is a professional soccer player and is considered one of the best players in the world.

3. Selena Gomez

@selenagomez is a pop singer and actress with over 353 million Instagram followers. She is ahead of @therock by about 9 million followers.

Top Mom Influencers

Now let’s take a look at the top mom influencers. These are moms who have managed to turn their everyday lives into successful businesses becoming popular influencers.

4. Tammy Hembrow

@tammyhembrow has 15.8 million followers and really became popular after she posted pictures of her body transformation after giving birth. She inspired Khloe Kardashian and millions of mothers around the world.

5. Savannah Labrant

@sav.labrant became popular on social media due to her impressive photography skills. She has over 7.2 million followers on Instagram alone and can also be found on TikTok, YouTube, and Facebook.

6. Katie Stauffer

@kcstauffer gained her popularity, and 3.2 million followers on social media because of her creative photography and really funny videos. She also discusses the daily life of a mom.

Top Travel Influencers

If you’re a travel blogger or in the travel industry, then you’ll want to check out these top travel influencers.

7. Chris Burkard

@chrisburkard is a travel influencer and professional photographer, speaker, and filmmaker who has 3.9 million followers. He focuses most on lifestyle and nature photography.

8. Murad Osmann

@muradosmann is famous for starting the “follow me” travel shot which went viral and helped him reach gain a lot of his 3.5 million followers. He likes to take photographs of exotic locations.

9. Lauren Bullen

@gypsea_lust has a travel Instagram account with 2.1 million followers which focuses on wellness travel adventures. She is also the co-founder of the Tone Studio app.

Top Health Influencers

Let’s jump into our next category of top influencers and check out three of the most influential social media health accounts.

10. Michelle Lewin

@michelle_lewin is a top health influencer and model with over 15 million followers. She has her own fitness product line and posts workouts and healthy food content across multiple social media platforms.

11. Kayla Itsines

@kayla_itsines is the Sweat app co-founder and head trainer with a social media follower count of 15.2 million followers, making it one of the most popular fitness profiles.

12. Tieghan Gerard

Tieghan Gerard is behind Half Baked Harvest (@halfbakedharvest) and has 4.8 million followers. She posts delicious whole-food recipes and photographs across her blog and social media accounts.  

Top LinkedIn Influencers

When most people think of social media influencers, LinkedIn isn’t usually the platform people first think about. However, these three accounts have some of the largest followings on the platform.

13. Bill Gates

Bill Gates is the Co-Founder of Microsoft and is one of the most followed people on LinkedIn with over 36 million followers. He posts about a variety of topics from technology to philanthropy.

14. Richard Branson

Richard Branson is the founder of the Virgin Group and has over 20 million followers on LinkedIn. He posts about business, leadership, and social issues.

15. Jeff Weiner

Jeff Weiner is the CEO of LinkedIn and has over 11 million followers on the platform. He posts about business, technology, and the future of work.

Top Beauty and Fashion Influencers

Introducing our top picks for beauty and fashion influencers. If you’re a fashion blogger, you’ll want to pay attention to the fashion and lifestyle content these beauty influencers share.

16. Cole Sprouse

@colesprouse is an Instagram fashion and lifestyle influencer with 35.6 million followers. He is also a well-known actor and photographer who appeared in Cody on the Disney Channel.

17. Chiara Ferragni

@chiaraferragni is an Italian businesswoman who has 28.1 million followers. She is also a blogger and fashion designer and has The Ferragnez series streaming on Amazon Prime.

18. James Charles

James Charles is a makeup artist with a very popular YouTube channel. His channel currently has 23.8 million subscribers, which he started by posting makeup tutorials. He has won several awards for his work.

Top Lifestyle Influencers

Are you an aspiring lifestyle influencer? Then you may want to study these top influencers and learn from their success.

19. Julie SariƱana

@sincerelyjules is a top lifestyle influencer who has 7.1 million followers. She is the founder of Color Department which offers clean, cruelty-free, and non-toxic nail polish.

20. Lauren Katherine Conrad

@laurenconrad is a lifestyle influencer with 5.9 million followers, designer, and co-founder of The Little Market, which is a non-profit organization looking to help individuals in underserved communities.

21. Shonda Wagner

@shonda1020 shares fitness, food, and her lifestyle with her 2.1 million Instagram followers. She also has two additional accounts where she shares workouts and recipes, as well as her blog and YouTube channel.

Top YouTube Influencers

If you’ve been wanting to start your own YouTube channel, then you’ll definitely want to check out these popular YouTubers.

22. T-Series

T-Series was founded by Gulshan Kumar and is the top movie studio and music label in India. This channel has over 228 million subscribers and shares Bollywood and Indi-pop music videos.

23. PewDiePie

PewDiePie, aka Felix Kjellberg, is a Swedish YouTuber with more than 111 million subscribers. PewDiePie shares funny videos of current events, meme roundups, and even some gaming content, which is how his channel began.

24. Kids Diana Show

Kids Diana Show stars Diana of Ukraine and has 102 million subscribers. The channel shares content made for kids and is one of the most popular kids YouTube channels around.

Top Fitness Influencers

Interested in fitness? Then you may want to check out these top fitness influencers!

25. Sommer Ray

@sommerray is a former competitive bodybuilder and founder of IMARAƏS BEAUTY, which offers plant-based and sugar-free skin care gummies. She has over 26.8 million followers on Instagram.

26. Hannah Stocking

@hannahstocking is one of the top fitness influencers with over 23 million followers and mentions on her Instagram that she has both a Biology and Chemistry degree.

27. Jennifer Selter

@jenselter is a fitness influencer out of south Florida and has over 13.5 million followers. She shares bodybuilding tips, short workouts, lifestyle pictures, and delicious-looking food photos.

Top TikTok Influencers

TikTok may be a new social media platform, but it’s already become popular with influencers. If you’re looking to get started on TikTok, then you may want to check out these top influencers.

28. Loren Gray

@lorengray is a singer who shares dancing and lip-syncing videos with her 54.5 million followers on TikTok. She was featured in a Taylor Swift music video and landed several partnerships with large companies like Revlon, Skechers, and Hyundai.

29. Charli D’Amelio

With over 148.4 million followers, @charlidamelio is one of TikTok’s biggest stars. She grew her channel at a record pace in 2019 by sharing dance videos that became popular.

30. Khabane Lame

Last, but certainly not least, on our list is @khaby.lame. He grew his TikTok account to a jaw-dropping 151.3 million followers sharing hilarious and entertaining video reactions.

How Do Brands Choose From the Top Social Media Influencers?

Brands often carefully consider a variety of factors when choosing a brand ambassador from the top social media influencers. Such as their personal brand and following on various social media channels (such as Instagram, YouTube, and a personal blog), level of engagement with their audience, fit with the brand’s image and values, and potential ROI for the partnership. Ultimately, brands want to select an influencer who will effectively promote their products or services to their targeted audience. Image: Depositphotos

This article, "30 Top Influencers" was first published on Small Business Trends



Under Desk Bike Models for 2023

According to the American Heart Association, 80% of all U.S. jobs are predominantly sedentary. With that in mind, why not get an under-desk bike to increase your physical activity? And when you take into account that they are relatively inexpensive, these under-desk bike models for 2023 are one of the best investments you can make for your health.

The U.S. National Health Services recommends adults get at least 150 minutes of moderate-intensity physical activity each week. For many people, this is not always possible, which is why an under-desk bike makes so much sense. With this equipment, you can easily double or even triple the 150-minute weekly requirement just at the office.

Under Desk Bike Models for 2023

If you want to buy one of these bikes, take a look at some of the best ones now available on Amazon from the top brands.

 

DeskCycle Under Desk Bike Pedal Exerciser

DeskCycle Under Desk Bike Pedal Exerciser

Top Pick: DeskCycle ranks at the top of all lists when it comes under desk bikes. Steel components and sealed bearing,, silent magnetic resistance of almost 40lbs, 8 levels of resistance, bi-directional flywheel, a large five-function LCD, and an app include all of its premium features.

DeskCycle Under Desk Bike Pedal Exerciser

Buy on Amazon

 

FitDesk Under Desk Bike Pedal Machine

FitDesk Under Desk Bike Pedal Machine with Magnetic Resistance for Quiet

Runner Up: The Runner up under desk bike is from FitDesk and it has a similar design as the top pick. This bike lets you adjust the 8 levels of magnetic resistance with your feet, has a low pedal rotation height of 9.5”, an LCD monitor, and large pedals.

FitDesk Under Desk Bike Pedal Machine

Buy on Amazon

 

LifePro Under Desk Bike

Under Desk Bike Pedal Exerciser - FlexCycle

Best Value: LifePro delivers the best value for the price, build quality, and multiple exercise options. The bike has a quiet flywheel, 8 levels of resistance, and an LCD monitor. Additionally, you also get resistance bands you can strap to the U bolts and the company offers a built-in lifetime warranty and support.

LifePro Under Desk Bike

Buy on Amazon

 

Sunny Health and Fitness Magnetic Under Desk Mini Bike Pedal Exerciser

Sunny Health and Fitness Magnetic Under Desk Mini Bike Pedal Exerciser

This under-desk pedal bike from Sunny has adjustable magnetic resistance with 8 levels that works for your hands or legs. It is made of steel and weighs in at 21 lbs. An LCD monitor, non-slip pedals, and a carrying handle round out the features.

Sunny Health & Fitness Mini Exercise Bike

Buy on Amazon

 

MagneTrainer-ER Mini Exercise Bike

MagneTrainer-ER Mini Exercise Bike Arm and Leg Exerciser

Magnetic resistance lets you pedal forward and backward with 8 settings with this under-desk exercise bike. A solid steel construction with a machined flywheel and dual pully and belt system delivers smooth pedaling, The company provides a full 1-year warranty along with 30-day money-back guarantee.

MagneTrainer-ER Mini Exercise Bike

Buy on Amazon

 

YOSUDA Under Desk Bike Pedal Exerciser

YOSUDA Under Desk Bike Pedal Exerciser - Magnetic Mini Exercise Bike

This magnetic drive under desk pedal bike is very quiet at only 5db. It weighs 22 pounds, has 8 adjustable resistance, 4 anti-slip rubber pads, and an LCD monitor. The company also offers free parts replacement for one year.

YOSUDA Under Desk Bike Pedal Exerciser

Buy on Amazon

 

ANCHEER Under Desk Bike

ANCHEER Under Desk Bike Pedal Exerciser - Desk Cycle

Using a magnetic flywheel, this under-desk pedal bike has 8 levels of resistance that produce only 5dB of noise. You also get 2 sets of pedals, one for the arm and another for the leg, along with an LCD monitor, anti-slip rubber pads, and a triangular steel frame.

ANCHEER Under Desk Bike

Buy on Amazon

 

Vaunn Medical Folding Pedal Exerciser

Vaunn Medical Folding Pedal Exerciser with Electronic Display for Legs and Arms Workout

This is a no-frills pedal exerciser for your arm and legs made from a wide heavy-duty frame for increased stability. It comes assembled and you also get an LCD screen, and it has a quick folding mechanism so you can easily move it around.

Vaunn Medical Folding Pedal Exerciser

Buy on Amazon

 

Himaly Mini Exercise Bike

Mini Exercise Bike, himaly Under Desk Bike

Multi-level resistance, digital LCD screen, and a compact design weighing in at only 8lbs makes this bike ideal to take with you to the office or other locations. It is made from steel and hard plastic and you also get an anti-slip bottom and pedal for additional safety.

Himaly Under Desk Bike Pedal Exerciser

Buy on Amazon

 

Vive Pedal Exerciser

Vive Pedal Exerciser - Stationary Exercise Leg Peddler

The slim design of this bike provides pedaling for your arm and legs. At only 12.5” high it can fit under most desks and you can easily adjust the resistance. An LCD screen displays RPM, time, speed, distance and calories burned. You can also use the app to access workout videos and track your progress.

Vive Pedal Exerciser

Buy on Amazon

 

Do Under Desk Bikes Work?

Yes, these bikes work especially the ones that provide different levels of resistance to increase the intensity.

How Man Calories Can You Burn with a Desk Bike?

This depends on the intensity, your weight, and time, but generally, you can burn 107 calories in 50 minutes.

Can You Get Intense Cardio Training with an Under Desk Bike?

Yes, you can. This can be better achieved with bikes that have a dial for multiple levels of resistance.

What to Look for When Buying an Under Desk Bike

Even the smallest amount of exercise has some benefits. If you bike under the desk daily, the cumulative effect will be noticeable. If you want to try one of these under-desk bikes, here are some of the features you should consider.

Size: Since the bike is going under your desk, make sure to measure the amount of space you have and buy the right bike accordingly.

Pedal Height: The design of the bike will dictate the pedal height. Look for low-profile designs and measure the highest point of the pedaling revolution to see if it fits under your desk comfortably.

App Connectivity: Some brands have apps with routines to get the most out of the exercise on their bike.

Stable Design: You need a stable design capable of handling the daily pedaling without moving around and shifting positions.

Weight: You want it to be heavy enough to be stable, but light enough to easily move around.

Noise Level: Get a bike that is quiet enough so it will not bother you or your co-workers in the office when you are having a conversation on the phone or in person.

LCD Screen: This will help you keep track of your exercise so you can monitor your progress.

Quality Materials: Look for steel and high-impact plastics to ensure a long life for your bike.

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This article, "Under Desk Bike Models for 2023" was first published on Small Business Trends



What is a W4 Form and Do You Need to File One?

Every year, the Internal Revenue Service (IRS) requires all employees to complete the W4 Form, a document that helps employers determine the correct amount of federal and state taxes to withhold from each paycheck.

This form is important since it allows taxpayers to accurately determine their income tax liability and ensures that they are properly filing all taxes owed.

In this article, we will discuss what exactly a W4 Form is, who should file one, and how to correctly fill out the form. Let’s get started!

What is a W4 Form?

A W4 Form is a form used by the IRS to determine the tax withheld from your paycheck and remitted to the government.

The information you provide on this form helps calculate if you have to pay taxes or receive a tax refund when filing your tax return.

Filling out the correct W4 Form will ensure that you do not underpay or overpay taxes and thus, can save you time and money in the long run.

w4 form

What is the IRS Form W4 Form Used for?

The IRS Form W4 is an important document for taxpayers. Let’s take a look at a list of the main things Form W4 is used for…

Determine Tax Withheld

Form W4 is used to determine how much federal and state income tax to withhold from employee paychecks.

Calculate Income Tax Liability

Another thing Form W4 is used for is to help taxpayers accurately calculate their income tax liability when they file their returns.

Reduce Taxes Owed

Form W4 also helps taxpayers reduce their taxes owed. This is done by claiming certain deductions and credits on the form that may result in a lower tax bill.

Receive a Larger Refund

Lastly, it can be used to receive a larger refund. By claiming certain deductions and credits on Form W4, taxpayers may get a higher refund when they file their returns.

Types of IRS W4 Form

There are several types of W4 Forms provided by the Internal Revenue Service. These include:

Form W4: Tax Liability Estimator

This form is used to estimate an individual’s income tax liability based on the information provided. It helps taxpayers determine the amount of taxes they owe.

Form W-4P: Withholding Certificate for Pension or Annuity Payments

This form is used by pension and annuity recipients to give their payers instructions on how much federal income tax should be withheld each year.

Form W-4R: Withholding Certificate for Retirement Payments Other Than Pensions or Annuities

This form is used by retirees to provide their employers with instructions on how much federal income tax should be withheld from their retirement payments.

Form W-4S: Request for Federal Income Tax Withholding from Sick Pay

This form is used by employees who receive sick pay to provide their employers with instructions on how much federal income tax should be withheld.

Form W-4V: Voluntary Withholding Request

This form is used by taxpayers to voluntarily request that their employers withhold federal income tax from their paychecks.

How to Fill Out a W4 Form

Filling out a W4 Form can be a bit confusing, so here are some steps to help you get started.

Download the W4 Form Here.

 

Step 1: Enter Personal Information

The first step is to enter the basic personal information. This includes your name, address, filing status, and Social Security number.

Step 2: Multiple Jobs or Spouse Works

When you hold more than one job at once, or when your spouse works, you need to complete this step. Income earned from all of these jobs determines the correct amount of withholding.

Step 3: Claim Dependent and Other Credits

For this step, you will provide information on any dependents you have and other credits. This can include education or childcare tax credits that could reduce your tax liability.

Step 4 (optional): Other Adjustments

This step is optional, but it’s a good idea to complete it if you have other sources of income, want to reduce your withholding if you expect to claim tax deductions other than the standard deduction, or if you want any additional tax withheld each pay period.

Step 5: Sign Here

You will need to sign and date the form under penalties of perjury. This is important because it indicates that all of the information on the form is true, accurate, and complete.

Employers Only

The last section of Form W-4 is for employers only. In this section, the employer will include their business name and address, the date the employee started working for the company, and their Employer Identification Number (EIN).

How to Fill Out W4 Form First Time

In addition to following the steps above to fill out Form W4, make sure you pay close attention to all the relevant boxes, particularly those regarding filing status and the number of allowances you are claiming.

Read the instructions carefully and fill out all relevant fields accurately and completely before submitting your form.

When to File Form W4

Generally, you should file an IRS Form W4 as soon as you begin a new job. However, if your tax situation changes during the year (for example, you get married or have children), then you may need to update your Form W4 with your employer to ensure that your taxes are calculated accurately.

Employers usually must file Form W4 with the IRS by the end of February each year. This is to ensure that employee taxes are withheld and reported correctly for the previous tax year.

How to Estimate Your Taxes

To estimate your taxes, check your income tax return from the previous year and note which deductions you’ve claimed.

If you have to pay taxes instead of receiving a refund, this should give you an approximate number for what your tax bill will look like this year.

Use the information from your paychecks to calculate how much is being withheld each month for taxes and other deductions.

Finally, compare these numbers with what you expect to owe on your next tax return. If they don’t match up, you may need to update your W-4 form or adjust the amount of withholding tax so that it more accurately reflects your expected income tax.

Form W-4 Special Considerations

If you’re completing a Form W-4, there are some special considerations that should be taken into account.

It’s important to understand these considerations before filling out the form so that your withholding is accurate and appropriate.

Here are the most important points to consider when it comes to completing the Form W-4:

  • Filing Status – Be sure to choose the correct filing status based on your marital status and other criteria.
  • Part-Year Employment – If you started working part-way through the year, you may need to adjust your withholding selection accordingly.
  • Multiple Jobs – When multiple jobs are held, more tax might be withheld from each paycheck than is necessary. This can affect people who hold extra jobs when businesses are hiring seasonal employees.
  • Tax Credit Qualifications – When claiming certain tax credits, like the Earned Income Tax Credit (EITC) or Child Tax Credit (CTC), the Form W-4 should be adjusted accordingly.
  • Additional Withholding Amounts – If desired, additional amounts can be withheld from each check for federal income tax purposes.

W4 Form Tips

When filling out Form W-4, consider following these tips. They’ll help ensure that your withholding tax is accurate and appropriate:

  • Read the instructions thoroughly. Make sure you understand all sections of the form before completing it.
  • Standard deduction amounts. Be sure to confirm the standard deduction for your filing status. The standard deduction may be able to reduce your taxable income and consequently the amount of taxes due.
  • Non-deductible business expenses. Understand which business expenses are not deductible from federal income tax and account for them when calculating your withholding.
  • 1099 rules. If you receive a 1099 instead of a W2, you will likely need additional withholding amounts as you won’t have enough taxes withheld through payroll.

Final Words

In conclusion, the W4 Form is an important document for employers and employees alike. It ensures that your taxes are calculated correctly and that you are paid accurately.

If you are a first-time filer, make sure to take the time to read the instructions carefully and fill out all relevant fields accurately before you submit your form.

Finally, if your financial situation changes during the year, make sure to update your W4 Form with your employer and adjust the amount of withholding tax accordingly.

Do I Claim 0 or 1 on My W-4?

Generally speaking, if you are a single employee without dependents, then you should choose option 0.

This means that the default withholding will be applied to your paycheck. If you are married and have dependents, then you may want to choose option 1 which allows for higher withholdings in order to get a larger refund at tax time.

What is an Employee’s Withholding Certificate?

The Employee’s Withholding Certificate, also called Form W-4, is a document used by employers to determine how much federal income taxes should be withheld from an employee’s wages.

The form must be completed by the employee and submitted to the employer. It includes basic information such as name, address, filing status, and the number of dependents.

It provides employers with the information they need to accurately withhold federal income taxes from employee paychecks.

Why Did the IRS Change the W-4 Form?

The purpose of this change is to make the form more transparent, simple, and accurate. Withholding allowances were previously tied to personal exemptions.

As a result of changes in the law, you cannot claim personal exemptions or dependent exemptions at present.

What Is the Difference Between a W-2 and a W-4?

A W2 form is an employer-generated document that shows the wages earned by an employee and the amount of federal, state, and other taxes withheld from their paycheck during the year. It’s typically used for filing tax returns.

A W-4 form is an employee-generated document that provides employers with the information they need to determine how much federal income taxes should be withheld from their paycheck each pay period.

Is there a new W-4 form for 2022?

While the new W-4 form for 2022 is now available, there aren’t any significant changes to it, unlike the changes that were made in 2020.

There were a few changes made such as tax withholding estimator references being removed by the IRS, additional text added to clarify who should check the two jobs box in Step 2(c), and updated amounts are now shown on the Deductions Worksheet for 2023.

Where can I download the latest w4 form?

You can download the most current version of the W-4 form or any other form, such as the W9 form, from the IRS website. The form is available in both fillable and non-fillable PDF formats, allowing you to either complete the answers online or print the form out and complete it by hand.

Image: Depositphotos

This article, "What is a W4 Form and Do You Need to File One?" was first published on Small Business Trends



Market Your Business With These National Days in February 2023

National holidays can be a fun and timely way to market a business. There are lots of February national days that may be relevant to various businesses. Here’s a look at some things on the calendar this month.

Why should you market your business in February?

It’s generally beneficial to market a small business all year. But here are some specific reasons to keep your efforts going during February:

  • Pick up during a slow time: Many consumers are still recovering from the holidays and spending lots of time at home during February. They may need an extra push to patronize your business.
  • Stand out among your competition: Since it’s a slow time for many businesses, there may be less noise from your competitors this month. Use the opportunity to get your business in front of your target audience.
  • Take advantage of gift-giving occasions: Valentine’s Day is one of the most popular February holidays. And people often buy gifts for loved ones, so it’s perfect for businesses that sell flowers, chocolates, and more.
  • Help customers with daily habits: After the new year, people are still getting into a daily rhythm. And many are adjusting the high expectations of their resolutions. So there may still be time to tie your products or services into their new routines.
  • Tie your offerings into other national holidays: There are lots of other occasions throughout February that may be relevant to your business. Check the list below.

national days in february

Celebrate These February National Days

If you want to use national days to promote your business in February, here are some popular ones to consider.

Feb. 1 – National Dark Chocolate Day

Food bloggers, bakeries, and gift shops can all use this day to offer specials on products or recipes that include this popular ingredient.

Feb. 2 – Groundhog Day

Did the groundhog see his shadow? Many businesses create fun social media content surrounding this holiday.

Feb. 3 – National Carrot Cake Day

Restaurants and bakeries may offer free dessert or specials to celebrate this day.

Feb 4. – National Hemp Day

Hemp is a popular material for everything from clothing to stationery. Offer specials on these products or create an educational campaign about the material.

Feb. 5 – World Nutella Day

Celebrate Nutella by offering grocery store specials or posting unique recipes online.

Feb. 6 – National Frozen Yogurt Day

Frozen yogurt shops shine on this day thanks to sales and special events.

Feb. 7 – National Send a Card to a Friend Day

Gift shops and handmade stationery retailers can gain attention by promoting letter writing.

Feb. 8 – Safer Internet Day

IT service providers and professional organizations can share helpful tips on this holiday.

Feb. 9 – National Pizza Day

Pizza shops, grocery stores, and even recipe bloggers can celebrate this popular food with fun online content and sales.

Feb. 11 – National Inventors Day

If you’ve invented a unique product, use this occasion to share your story or tips for other inventors.

Feb. 12 – Super Bowl Sunday

Lots of online content revolves around the big game, from snack recipes to events at local sports bars.

Feb. 13 – Galentine’s Day

This is a day to celebrate female friendships. So gift shops, restaurants, and event venues could create events or sales.

Feb. 14 – Valentine’s Day

Valentine’s Day is likely the biggest gift giving occasion in February. So any business that sells gifts, along with restaurants and date night spots can include this date in marketing materials.

Feb. 15 – Singles Awareness Day

The day after Valentine’s Day celebrates singles. Some people may get together with single friends for outings at restaurants or bars.

Feb. 17 – National Caregivers Day

Assisted living facilities and other businesses that serve seniors and their families can use this occasion to recognize caregivers.

Feb. 18 – National Drink Wine Day

Wine shops, restaurants, and bars can offer special promotions for wine lovers.

Feb. 20 – Presidents Day

Presidents Day is celebrated on the third Monday of February to celebrate George Washington’s birthday. Many businesses give the day off and/or offer specials.

Feb. 21 – Fat Tuesday

Fat Tuesday is the last day that many people eat fatty, indulgent foods before the start of lent. Restaurants and bakeries may offer specials.

Feb. 22 – National Margarita Day

Invite groups into your restaurant and offer specials on Margarita Day.

Feb. 24 – National Tortilla Chip Day

Tortilla Chip Day may be popular in Mexican restaurants and/or grocery stores.

Feb. 28 – National Tooth Fairy Day

Dentists and child care businesses can create fun educational content around this holiday.

National Weeks in February 2023 You Don’t Want to Miss

Some celebrations in February spread throughout a whole week. Here are some that may be relevant to certain businesses.

Feb. 1 – 7 – National Patient Recognition Week

Medical offices can post thank you messages or recognize specific patients during this week.

Feb. 6 – 10 – National Pride in Foodservice Week

Engage employees and share stories online or through marketing materials to recruit more top talent.

Feb. 6 – 12 – National Freelance Writers Appreciation Week

Share messages of appreciation or provide perks to freelancers on your team.

Feb. 6 – 12 – International Networking Week

Business groups and offices can host networking events to encourage engagement and increase membership.

Feb. 12 – 18 – National Secondhand Wardrobe Week

Thrift stores, vintage resellers, and content creators can all share the benefits of shopping secondhand and offer fun events and specials.

Feb. 14 – 21 – Alzheimer’s and Dementia Care Education Week

Memory care centers and assisted living communities may host workshops or share helpful tips online for families.

Don’t Forget These February Monthly Holidays

There are also monthly observances that spread through all of February. Businesses may create ongoing promotions or campaigns to spread awareness and tie their content into these.

Black History Month

Black History Month celebrates the contributions and acknowledges the struggles that Black Americans have faced. Many businesses share educational content online or host workshops.

American Heart Month

Doctor’s offices and health related businesses can share heart healthy recipes and healthy living tips throughout the month.

National Cancer Prevention Month

This is another opportunity for health related businesses to share prevention tips.

Children’s Dental Health Month

Dentist offices can use this as a reminder to schedule appointments and share tips online.

Responsible Pet Owner Month

Pet care businesses can share tips with customers or offer specials on related products.

National Hot Breakfast Month

Restaurants can offer breakfast specials all month long.

National Snack Food Month

Recipe bloggers can share unique snack recipes all month, or grocery stores may create fun snack displays.

What is the month of February known for?

February is part of winter in the Northern Hemisphere and summer in the Southern Hemisphere. The most prominent holiday celebrated in the U.S. is Valentine’s Day. It’s also the shortest month of the year, with just 28 days (or 29 on leap years).

What should a small business post on social media in February?

Social media content is likely to vary depending on your industry and niche. But many businesses tie content into Valentine’s Day or winter. Some also post social justice related content in recognition of Black History Month.

How can you promote your business in February?

You can promote your business in February by tying it into different national days, including Valentine’s Day, Presidents Day, and even National Margarita Day. See a full list of February holidays above.

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Image: Envato Elements

This article, "Market Your Business With These National Days in February 2023" was first published on Small Business Trends



McDonalds Presidents Says California FAST Act Will Kill Restaurants

The California FAST act – which would raise minimum wages up to $22 an hour for fast food workers – is on the back burner for now.

McDonald’s President Joe Erlinger said the FAST Act, legislation known as AB257, would make it “impossible to run small business local restaurants.”

California’s AB257 actually passed in fall 2022, but more than 1 million opponents signed a petition requiring the matter to be put to vote. California voters will let their opinions known in November 2024.

Opponents were represented by a group called Save Local Restaurants.

mcdonalds presidents Says california fast act will hurt small business

Similar Legislation Introduced in Virginia

Virginia’s House Bill 2478 was introduced January 20, 2023. Parts are identical to California’s AB257 – it would create a governmental fast food industry workers standard board, which would oversee wages and working conditions.

Virginia HB2478 is currently in the House Committee on Rules.

What is AB257?

Proponents of the legislation are calling AB257 the Workers Rights Bill. What are the key parts?

  1. Would create a 10-person, state-run council to negotiate wages, hours and working conditions for 500,000 fast food workers in California
  2. Hourly wages could be up to $22 per hour, with capped annual increases.
  3. AB257 would apply to restaurants with more than 100 locations nationwide.

Would Higher Wages Mean Higher Prices?

According to McDonald’s president Joe Erlinger, the increase in the employees’ hourly wages would raise the cost of quick-serve restaurant meals by 20% or more.

The increased prices would cause consumers to cut down their visits to the establishments, which could then lead to a reduction in employees, Erlinger feels.

Erlinger also questioned what he terms “final hour exemptions” which were tacked on to the existing legislation:

It would exempt restaurants with fewer than 100 locations nationwide.

It wouldn’t apply to restaurants that bake bread on site.

Erlinger said that he would supports “responsible increases to minimum wage.” But, he added, such increases should be applied to all industries and workers.

Image: Depositphotos

This article, "McDonalds Presidents Says California FAST Act Will Kill Restaurants" was first published on Small Business Trends



A Step-By-Step Guide to Handling a Workplace Injury


When you own or run a business, there are countless duties and responsibilities you must tend to. Between payroll, shipping/receiving, client relations, sales and/or service, it can sometimes get overwhelming. But there is another responsibility you have, and it’s the most important of all; the safety and well-being of your employees.

When it comes to creating a safe workplace environment, that falls on the shoulders of management and ownership. Unfortunately, even with the best safety guidelines in place, accidents still happen. And when they do, you will need the backing of a quality coverage provider such as Cerity Insurance.

In the meantime, let’s take a look at how to proceed in the event of an injury at your office or job site:

Arrange Medical Care Immediately

First things first; before you do anything else, you need to make sure that your workers are cared for medically and that any injuries they have are treated as soon as possible. If the injury is life-threatening, you should call 911 immediately. For all others, finding a nearby emergency room or urgent care cent should suffice.

Report the Incident ASAP

It is critical that you document and report the incident as soon as possible. This will allow you to begin the next steps of the process (such as the claim filing) while also receiving instructions on what else you need to do. This is where having a partner like Cerity Insurance proves invaluable.

Communicate Quickly, Clearly, and Frequently

Understanding what is going on and what to expect next is a critical part of the injury and recovery process. For co-workers and managers, it lets them know how their fellow employees are doing. And for the injured parties, it provides transparency in the process, as well as peace of mind.

Establish a Return-to-Work Program with the Claims Adjuster

This is often referred to as “Modified Work Duty”. This helps promote recovery and reduce loss of wages for the employee due to missed time.

Consider Safety Protocol Updates

Following a workplace incident, it is always a good idea to review your entire protocol for handling accidents, as well as address the specific circumstances leading to the incident. If some aspect of your procedure or equipment is found to be lacking, now is the time to correct it.

The Best Step Is to Create a Safe Environment to Prevent Injuries Before They Happen

In a perfect world, all accidents would be eliminated before they ever happen. Unfortunately, that can’t always be the case.

But diligent inspections of your work environment, continually reviewing and updating your safety procedures, and proper training for your employees can go a long way in reducing these occurrences.

*Bonus Tip*: Find a Quality Coverage Provider Such as Cerity Insurance

More than anything else, if something unfortunate does happen at your workplace involving one (or more) of your employees, you will need to make sure that you have the financial end of it covered.

There is no telling what type of medical treatments may be needed, as well as what other impact it may have on your company. Being covered provides security not only to your employees but also for yourself.



Monday 30 January 2023

The 10 Best Mobile Payment Apps for Small Businesses in 2023

The world of technology is constantly evolving, and mobile payment apps are no exception. With more and more businesses turning to digital payments, small business owners need an effective and secure way to accept payments quickly and easily. In this article, we’ll be looking at the 10 best mobile payment apps for small businesses in 2023. Let’s get started!

What are mobile payment apps?

Mobile payment apps are digital platforms that allow customers to make payments to businesses using their smartphones. These apps provide a secure and convenient way for customers to send money 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 funds. To use a mobile payment app, customers open the app on their phone and choose which payment method they’d like to use. They may need to scan a QR code provided by the business or enter their payment information into the app. Once the transaction is finalized, both parties receive a notification that confirms the payment was successful.

payment apps

Benefits of Using Mobile Payment Apps in Business

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

  • Increased Payment Security: Mobile payment apps encrypt data and employ other security measures to ensure that personal and financial information is safe when transacting online.
  • Lower Fees: In comparison to traditional credit card processing fees, most mobile payment apps have lower rates and/or cost significantly less per transaction.
  • Improved Efficiency: With mobile payment apps, customers can pay faster at an electronic terminal or by simply scanning a QR code with their phone. This helps speed up the entire checkout process and gives customers more control over how they want to pay.
  • Enhanced Customer Experience: Mobile payment apps enhance customer experience by providing not just a convenient way to pay but also a range of features like loyalty programs, discounts, rewards, and more that customers can take advantage of.
  • Real-Time Data Analysis: Mobile payment apps give businesses access to real-time insights about where their revenue is coming from and what kind of products are selling well so they can make informed decisions about their operations going forward.

10 Best 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 different payment types or a straightforward way to take contactless payments, there is a mobile payment app to suit your needs. Here are the 10 best mobile payment apps for businesses of all sizes:

1. Square

Square Mobile is a payment company that provides a mobile-first, integrated payments platform. This platform enables customers to accept payments through their mobile devices and the internet 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 a card is present, 2.9% + 30¢ per transaction when it isn’t, and 3.5% + 15¢ per manually keyed in transaction

2. Venmo

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

Platforms: iOS, Android, Online, or In Person

Cost: 3% when using your credit card to send people money, 1.9% + $0.10 to receive payments in your business or charity profile, or for goods and services

3. Google Pay

Google Pay is a mobile payment and digital wallet service developed by Google. It allows users to make payments in-store, online, and within apps using their credit and debit cards linked to their Google accounts. It also enables users to store loyalty cards, offers, and more for easy access when making purchases.

Platforms: Android devices that have an NFC (near field communication) chip.

Cost: Free + usual credit/debit card transaction fees

4. Cash App

Cash App is a mobile payment service owned by Block Inc. It allows users to send money to friends and family, pay bills, and purchase goods online. Cash App also provides users with an optional debit card. These debit cards can be used to withdraw cash from ATMs as well as make purchases in-store and online.

Platforms: Android, iOS, Windows, and Mac

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

5. Apple Pay

Apple Pay is a mobile payment and digital wallet service created 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 secure, private way of paying for goods and services securely online with their devices.

Platforms: iOS, iPadOS, watchOS, or macOS

Cost: Free + usual credit/debit card transaction fees

6. Samsung Pay

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

Platforms: Samsung Pay works with Compatible Samsung devices

Cost: Free + usual credit/debit card transaction fees

7. PayPal

PayPal is an online payment system that enables 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: From 1.9% to 3.5% per transaction, plus a fixed fee of between 5 and 49 cents, as well as a bank account instant transfer fee of 1.75% ($25 maximum)

8. Zelle

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

Platforms: Mobile banking or Zelle® mobile apps, participating bank and credit union websites

Cost: Free

9. Stripe

Stripe is a payment processing platform that provides an easy-to-use 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 GoPayment is a payment processing service that integrates seamlessly with QuickBooks accounting software, making it easier for small business owners to track their finances. It’s free to download but requires QuickBooks Payments to process any transactions.

Platforms: Windows, Mac, iOS, and Android

Cost: (QuickBooks Payments 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 tricky. With so many options, it can be difficult to know which is best suited for your needs. Here are three key factors to consider when selecting a mobile payment app:

Security

Mobile payment security is of utmost importance. Make sure that you select an app that includes encryption and other safety measures to keep customer data safe.

Fees

Compare various apps’ fees and charges before making your choice. Some may have higher per-transaction costs while others may offer better value in exchange for a monthly subscription.

Features

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

Are payment apps worth the cost?

Yes, payment apps are worth the cost. They offer convenience, security, and improved efficiency for businesses, allowing them to process payments quickly and with less hassle. On top of this, many payment apps come with additional features that can help to boost customer engagement.

Is Zelle safer than Venmo?

Both Zelle and Venmo have robust security features in place to protect user data. Zelle is connected to banks and credit unions, which means it requires a greater level of authentication before users can transfer money. This makes it slightly more secure than Venmo. Ultimately, both payment apps offer reliable security measures, so choosing one over the other comes down to personal preference.

Can you accept mobile payments without a bank account?

It is possible to accept mobile payments without a linked bank account by using services such as Cash App which offer a free, customizable debit card linked to your balance. Transactions can be made directly with the card, allowing you to quickly and easily access and use profits.

What is the most-used payment app in the United States?

Apple Pay is the most widely used payment app in the United States, with over 43 million people having used it at least one time. 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 making international payments. It offers a simple and secure way to send money to over 200 countries and regions, and you can use it for both payments and transfers. It also allows you to pay in many different currencies, making it ideal if you need to make payments overseas.

What is the safest mobile payment app?

Zelle is one of the safest mobile payment apps available, offering users the ability to send and receive funds 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 business-to-business. 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 be easy to set up and use.

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Image: Envato Elements

This article, "The 10 Best Mobile Payment Apps for Small Businesses in 2023" was first published on Small Business Trends