Consumers are ready to embrace smart phone payment options as long as the systems involved are safe. The question now is: are more small businesses ready to consider using them – especially since some major providers have reduced fees in an effort to capture their business? The service is especially attractive (and much more affordable) for businesses that don’t like paying processing fees to credit card companies. Mobile-payment service businesses recently have reduced their fees in an effort to capture more market share from start-ups and small businesses, and the activity in the marketplace suggests that end-users will benefit as competition increases.

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