As a business organization representing thousands of small employers in California’s Central Valley, we know what it takes for entrepreneurs to succeed in today’s fast-moving economy. Whether you run a fruit stand in Selma, a food truck in Modesto, or a family-owned shop in Madera, keeping costs down and transactions simple is critical. That’s why peer-to-peer (P2P) payment platforms like Paypal, Venmo, and Zelle have become an essential part of doing business.

These tools aren’t just convenient. They have transformed businesses. Small businesses use them to get paid instantly and securely, often without fees. The technology can be a game charger in rural and underserved communities where access to traditional banking or point-of-sale systems can be limited. In 2024, one major platform re

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