Crypto currencies are the most effective forms of making payments for a small business. This type of transaction is facilitated directly by the buyer. Essentially, when a business requires a service, they make the payment directly to the service provider's account, using a crypto currency. As the transaction removes the need for a middle authority, such as a bank, there are no additional fees that can be extracted from the total payment. As a result, a small business is able to save money during the transaction. Additionally, crypto currencies also offer an irreversible transaction, which means that after the verification is achieved, the business does not have to deal with the risk of chargebacks on disputed transactions.