Since the start of the pandemic, many small business owners noticed more customers were asking for contactless or digital payment options. Depending on the type of business you do, you may have begun to update your payment systems to account for this preference. Wherever you are in the process, though, there may be an opportunity to do more.

Contactless payments are still gaining in popularity, and soon customers may be expecting a variety of contactless options everywhere they go.

Look for your type of business below and see what might be a good move for you.


For traditionally cash-only businesses

Consider a food truck, small convenience store, or barber shop — small businesses that may deal primarily in cash.

Customers began carrying less cash during COVID-19; they wanted to pay in a safer way using contactless payments. Now many people are out of the habit of carrying cash or they may not have as much cash on hand as they once did.

Business owners can adapt to this shift by making an effort to accept digital payments as well as debit and credit cards.

Digital payment options include platforms that allow customers to pay you directly, from their bank account to yours. One example is Zelle®, which allows you to receive payments typically within minutes,1 using your business (or personal) email address or U.S. mobile number.

You can also consider accepting debit and credit cards, either in plastic form or from a customer’s digital wallet via a platform like Apple Pay2, Google Pay3, or Samsung Pay4. If fees were an impediment in the past, keep in mind that accepting cards may expand your customer base, which can help offset those fees.


Action tip: Research digital payment options as well as point-of-sale (POS) payment systems that can help you move away from cash and toward contactless payments.


For businesses that accept cards in person

The COVID-19 crisis prompted some businesses to think beyond accepting debit and credit cards in store.

Some businesses are allowing customers to pay by phone, while some are setting up e-commerce, so customers can buy online, then get their goods via in-store pickup, at curbside, or from a shipping or delivery service. While accepting card payments by phone or online may carry different fees than using a point-of-sale device, allowing customers to shop and pay however they’re most comfortable may help boost business.


Action tip: If you don’t have a website, investigate how you can still take card payments online or by phone using web-based solutions. You can also create a website and add an e-commerce feature.


Businesses with brick-and-mortar locations might also go contactless in-store by using a POS system with near-field communication (NFC) technology. This means devices can communicate from a few inches apart so customers can place their smartphone, credit or debit card near your POS device to complete a transaction. There’s no contact required, and the process is encrypted for security.

Your POS equipment may already have contactless technology that you’re not using. Look for the Contactless Symbol Contactless Payment Symbol to check.

If you don’t see the symbol, you may need to upgrade your device. Doing so won’t limit your customers to only use tap-and-go; they can still insert or swipe their cards.


Action tip: Look for POS systems that enable contactless payments in addition to swipe and dip, since tap-and-go may help your business in this environment. You can generally use these same systems to accept online payments, too.


For service-based businesses that use billing

Consider a law firm, accounting firm, or any business that invoices its clients.

Going digital can help these firms move away from asking customers to mail checks to pay bills, which can help businesses better manage their money.

One lawyer based in upstate New York told the ABA Journal that she added contact-free digital payment during the pandemic so clients could pay by credit card as well as checks. She did this in the hopes that giving clients new payment options might make it easier for them to pay on time.

Plus, online payments generally sync with your accounting software automatically so you can send e-invoices and streamline accounts receivable.


Action tip: Research online payments or you can talk to your banker about options. Some systems may require specialized software.


For businesses that use billing and accept cards in person

Many healthcare practices, professional services firms, and other companies that primarily accept payments from other businesses need ways to accept payments in person, using POS systems. But they may also need to be set up for billing or invoicing patients, clients, and customers.

To reduce in-person contact, these businesses have a few options.

One option is to switch to a contactless POS system to help minimize contact at checkout. Another would be offering clients the option of paying online or by phone.

Or you might want to invoice for everything, billing clients for transactions that you normally do in person. (If you need help updating your billing software to be more efficient, and to reduce contact even further, see For service-based businesses that use billing.)


Action tip: Upgrade your billing system to accept online payments and add a contact-free payment option to your physical location.


The COVID-19 crisis has changed how people want to pay. Adjusting the way you accept payments can help improve the customer experience, and it can help your business continue to drive sales. And with payments moving in the direction of digital and contactless around the globe, any changes you make now may continue to pay off in the future.

Sources: Digital Transactions, Federal Reserve, NFCW, CardFellow, CNET, International Card Manufacturers Association, American Bar Association Journal, Square


1 Enrollment with Zelle® through Wells Fargo Online® or Wells Fargo Business Online® is required. Terms and conditions apply. U.S. checking or savings account required to use Zelle®. Transactions between enrolled users typically occur in minutes. For your protection, Zelle® should only be used for sending money to friends, family, or others you trust. Neither Wells Fargo nor Zelle® offers a protection program for authorized payments made with Zelle®. The Request feature within Zelle® is only available through Wells Fargo using a smartphone. Payment requests to persons not already enrolled with Zelle® must be sent to an email address. To send or receive money with a small business, both parties must be enrolled with Zelle® directly through their financial institution’s online or mobile banking experience. For more information, view the Zelle® Transfer Service Addendum to the Wells Fargo Online Access Agreement. Your mobile carrier’s message and data rates may apply. Account fees (e.g., monthly service, overdraft) may apply to Wells Fargo account(s) with which you use Zelle®.

Zelle® and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

2Apple, the Apple logo, Apple Pay, Apple Watch, Face ID, iPad, iPad Pro, iPhone, iTunes, Mac, Safari, and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Wallet is a trademark of Apple Inc. App Store is a service mark of Apple Inc.

3Android, Chrome, Google Pay, Google Pixel, Google Play, Wear OS by Google, and the Google Logo are trademarks of Google LLC.

4Samsung Pay is only compatible with select cards, carriers, and Samsung devices. See the Samsung Support Page for compatibility information and merchant terminal limitations. Samsung, Samsung Pay, Galaxy S (and other device names), and Samsung Knox are trademarks or registered trademarks of Samsung Electronics Co., Ltd. Other company and product names mentioned may be trademarks of their respective owners.

The Contactless Symbol and Contactless Indicator are trademarks owned by and used with permission of EMVCo, LLC.