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using the free no fee personal version of venmo paypal or the cash app is a big no-no when it comes to collecting payments from customers in your small business and im here to tell you why hi there im stephanie thacker the founder and ceo of steadfast bookkeeping company which is a full service done for you bookkeeping and tax firm and im here to simplify all things bookkeeping and tax for your small business paying fees for accepting money from your customers is a bit of a bummer and i get it i know you worked hard for that money selling that product or service whatever it is and having to give away about three percent of that is no fun i know however when youre collecting payments using those free versions of venmo or paypal where theres no fee involved with taking the payment it is not helping your business and its likely hurting it so let me tell you why first off there is a higher risk of scam or fraud weve seen it with so many of our clients and you can read about it all o