How to Get Paid Faster: Best Payment Strategies for SMBs

As a small business owner, I know how tough it can be to maintain smooth cash flow. Between juggling client work, managing staff, and handling daily operations, waiting weeks—or even months—for payments can be frustrating. Fortunately, I’ve found strategies that help speed up the process, and I want to share them with you.

If you haven’t explored SMS Payments yet, now’s the time. With Xipster, you can send a secure payment link via text message, making it simple, fast, and highly effective. People check texts almost instantly—98% of SMS messages are read within minutes. After switching to SMS payments, I noticed a huge difference—payments that used to take a week now come in within hours.

Customers expect convenient payment options. With Xipster, you can send payment requests directly to a customer’s phone, allowing them to pay instantly via credit cards, Apple Pay, or Google Pay. Mobile payments eliminate delays and make transactions seamless.

The easier you make it for customers to pay, the faster you’ll get paid. Accepting various methods—credit cards, mobile wallets, and ACH transfers—removes friction from the process. With Xipster, customers can choose their preferred payment method through a single link.

For businesses that take payments over the phone or need to process transactions remotely, a Virtual Terminal for small business is a must-have. Xipster’s Virtual Terminal allows secure, real-time payment processing without a physical card reader.

For businesses offering ongoing services or subscriptions, recurring payments can be a game-changer. Instead of manually sending invoices every month, automation ensures timely payments without hassle.

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Some clients need a nudge. Sending friendly payment reminders reduces late payments and keeps cash flowing. Xipster’s two-way texting feature allows you to send SMS reminders and receive client responses instantly.

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Want to encourage faster payments? Offer a small discount for early payments. Even a 2% discount can motivate clients to pay a week or two earlier. Clearly communicate these incentives in your payment requests.

The more steps a customer must take to pay, the slower they’ll be. With Xipster, customers receive a direct payment link, tap it, and complete the transaction in minutes—no logins, no complicated portals, just an effortless experience.