Pay-by-Link — Accept Card Payments Without a Webshop

What Is Pay-by-Link?

Pay-by-Link is a simple and flexible payment method where the merchant sends a unique payment link to the customer via email, SMS, chat, or any messaging app. The customer clicks the link, lands on a secure payment page, and pays with their Visa or Mastercard.

Why they love it? Because the merchant doesn't need an IT developer to set it up - all they need is an app or a web interface where they can enter the amount and generate the link.

Who Benefits from Pay-by-Link?

Freelancers, consultants, service providers without a webshop, phone/email orders, advance payments, and invoice-based businesses. E.g. social media merchants: There are many small businesses (such as custom jewelry makers, artisans, or clothing designers) who only advertise on Instagram or Facebook.

Which Providers Offer It?

Fintech providers like myPOS, SumUp, and Teya typically offer Pay-by-Link. Online gateways like Barion, SimplePay, Revolut, PayPal and Stripe also support it.

How Much Does It Cost?

Pay-by-Link transaction fees typically match online card payment fees. No separate activation or monthly fee in most cases.

Pay-by-Link vs. Payment Gateway

A payment gateway is an automated, webshop-integrated system, while Pay-by-Link is a manually generated payment link. They complement each other — many merchants use both.

Summary

Pay-by-Link is a simple, flexible, and secure way to accept remote card payments without a webshop. Use the POSnavigator comparison tool to find the best provider.

FAQ

Do I need a webshop?

No. That's the whole point of Pay-by-Link.

Is it secure?

Yes. Transactions run with 3D Secure authentication.

How much does it cost?

Usually the provider's standard online transaction fee applies.