As a freelancer or small business owner, nothing is more important than getting paid for your hard work.

However, old-school payment methods, like cash and checks, are no longer cutting it.

They must be more convenient, reliable, and updated for the modern business world.

Luckily, we’re living in an age of technological innovation where cash payment apps have become the rage in the world of finance.

Gone are the days of waiting for checks to clear or worrying about losing cash in transit.

Digital payment apps are making it possible to send and receive money in just a few clicks, making the entire payment process faster, smoother, and more secure. 

Whether you’re a solopreneur or a small business with a team to pay, these apps can help make your financial management seamless.

But with so many apps, how do you choose the right one for your needs?

I’ve compiled a list of the top 10 cash payment apps tailor-made for freelancers and small business owners.

From apps with low transaction fees to those with simple and easy-to-use features, we’ve got everything you need to know to make an informed decision.

So, if you’re ready to ditch the old-school payment methods and step into the modern era of finance, then read on. 

Our list of the best cash payment apps for freelancers and small business owners will forever change how you handle your finances.

So, let’s dive in.

10 Best Cash Apps To Send & Receive Money As A Freelancer Or Small Business Owner

1. PayPal

PayPal is one of the most popular payment apps among freelancers and small businesses, thanks to its top-notch security, reliability, and versatility. 

With PayPal, you can seamlessly send and receive money worldwide if the recipient has a PayPal account.

It’s also widely accepted by merchants globally, making it a universal payment method for online and in-person transactions. 

The app accommodates payments from multiple sources, including credit cards, debit cards, and bank transfers. 

With its various finance management tools, including invoicing, payment tracking, and reporting, managing your finances has never been easier.

PayPal also has a robust security feature, which includes advanced encryption and fraud detection technology and a buyer and seller protection program.

2. Venmo

Another top pick from our 10 Best Cash Payment Apps to Send and Receive Money as a Freelancer or Small Business is Venmo.

It’s a peer-to-peer cash payment app that allows users to send and receive payments using their smartphones easily.

One thing that makes Venmo stand out is its emphasis on social interaction. 

Users can add emojis to their payments and share them with friends for added flair.

PayPal also owns Venmo, and its integration with PayPal, its effortless setup, lightning-fast transfers, and security, makes financial transaction seamless and hitch-free.

3. Apple Pay

Apple Pay is one of the most popular and widely accepted payment apps, and all you need is an Apple device to start making payments.

As a freelancer or small business owner, Apple Pay can be a valuable tool for accepting payments from clients as it allows you to easily send invoices and receive payments with just a touch of your finger or a glance at your phone. 

Plus, you can rest easy knowing your payment information is kept safe and confidential.

Another benefit of using Apple Pay is that it is integrated with many popular accounting software platforms, such as QuickBooks and Xero, making it easy to track your payments and expenses and streamline your accounting processes.

4. Google Pay

Google Pay is an excellent option for freelancers and small business owners who need to manage their finances efficiently on their smartphones.

With its user-friendly interface, an extensive network of supported devices, and widespread acceptance at online and brick-and-mortar stores, Google Pay is an excellent solution for sending and receiving money.

The best part of it is that it is entirely free to use.

Google Pay also has many valuable features to make managing your finances.

You can set up automatic payments for bills or recurring expenses and use the app to track each spending and monitor your balances.

5. Payoneer

As one of the best cash payment apps, Payoneer offers a range of features that make it stand out from the rest.

With Payoneer, you can quickly expand your reach and receive payments in over 200 countries and more than 150 currencies supported by the app, and you don’t have to worry about currency conversion or exchange rates.

Compared to traditional wire transfers or other payment methods, Payoneer charges meager fees for receiving payments, saving you more money. 

You have multiple payment options, including bank transfers, credit card payments, and e-wallets, to find the payment method that suits you and your clients best.

Payoneer also integrates seamlessly with various platforms and marketplaces like Amazon, Upwork, and Fiverr, making it easy to receive payments directly from these sources without setting up a different payment method.

6. Xoom

Xoom is not just any ordinary cash payment app; it’s a digital money transfer service that allows you to send and receive money across borders to over 130 countries worldwide. 

Acquired by PayPal in 2015, Xoom’s fast and convenient service allows you to complete most transactions in just a few minutes, saving you time and hassle, and with its low fees, you can keep more of your hard-earned cash.

With the understanding that everyone has different payment preferences, Xoom offers multiple payment options, allowing you to easily use your bank account, debit card, or credit card to send and receive money.

The mouth-watering part is that Xoom offers a rewards program that allows you to earn points for every transaction you make, saving you a lot from the transaction cost over time.

7. Cash App

Cash App is a mobile payment service that allows individuals to send and receive money instantly. Of its reliability as a peer-to-peer payment system and competitive fees, it has become a popular choice among freelancers and small businesses.

One of the critical features of Cash App is its simplicity. 

You can sign up for an account within minutes and link your card to start making transactions right away, and if you need to bill your clients for services rendered or products sold, you can create and send an invoice from the app.

Interestingly, you don’t get charged when you perform basic transactions like sending or receiving money from family and friends, making it a good option for business and personal usage.

8. Skrill

Another suitable among the ten best cash payment apps to send and receive money as a freelancer or small business is Skrill, a popular app that has stood the test of time.

One of the main advantages of using Skrill is that it lets you send and receive money in multiple currencies.

This is especially useful for freelancers who work with clients worldwide, as it eliminates the need for currency conversion and the associated fees.

Skrill also offers competitive exchange rates, which further reduces the cost of international transactions.

In addition to its low fees, Skrill also allows you to set up recurring payments, which is ideal for those who need to pay regular bills or subscriptions.

You can use its prepaid card to withdraw cash from ATMs or purchase in-store or online.

9. Meta Pay

A Meta service, and formerly Facebook Pay, Meta Pay is a popular cash payment app that has gained traction recently.

One of the most significant benefits of using Meta Pay is that it is integrated with Messenger and its other sister apps like Instagram and Whatsapp (depending on availability in your country), making it easy to transfer money.

At the same time, you chat with clients or colleagues without switching to other apps.

Meta Pay also offers competitive transaction fees, with no charges when transacting within the US. 

However, there may be fees for international transactions or using a credit card to make payments.

10. Wise

Wise is another payment app that can revolutionize the way you do business, being a payment app that lets you own accounts in multiple currencies. 

Wise’s transparent fee structure is one thing that sets it apart from the competition. 

It has no hidden fees or surprises, just a tiny, straightforward fee for each transaction, typically much lower than traditional banks or other payment providers.

Also, Wise always uses the mid-market exchange rate, so you can rest assured you’re getting a fair and transparent rate for your money transfers, and you can even link your Wise account to your bank account, debit card, or credit card and transact seamlessly.

Final Thoughts

The right payment app can be a game changer in a world where cash is no longer king.

From the fast and furious to the sleek and sophisticated, these ten best cash payment apps to send and receive money as a freelancer or small business have covered you, regardless of your payment needs. 

So, take your pick, and let’s prepare to send and receive some serious cash!