Payment linksStripe Payment Links
1.5% + 20p
per transaction
£0
monthly fee
Branding: Logo and colours
Payout: 2–7 working days
No monthly fees
Free, quick comparison
Payment links comparison
Send a secure link by text, email or WhatsApp and get paid instantly. Compare UK payment link providers on fees, branding and settlement speed.
Compare now No obligation · Takes minutes
Trusted choice
Rated 4.9 out of 5
Payment links
Payment linksSumUp payment links
Payment linksPayPal payment links
Payment linksSquare online checkout links
Payment linksGoCardless request links
1% + 20p
per transaction
£0
monthly fee
Method: Direct Debit
Payout: 2–3 working days
Capped fee per payment
Deal tables sorted by headline rate (low to high)
Rates shown are indicative and depend on your turnover, average transaction value and business type. Final pricing is confirmed by the provider after your quote.
What are payment links?
A payment link is a secure, one-off URL tied to a specific amount. You send it by text, email or messaging app and the customer pays on a hosted checkout page.
There's no website, no integration and no card machine involved, which makes links the fastest way for a small business to start taking remote card payments.
Why compare payment links providers?
Get paid on the spot
Sending a link while you're still on the phone converts far better than emailing an invoice with bank details.
Nothing to build
No developer, no plugin, no hardware. Create a link in the dashboard and send it in seconds.
Lower fraud risk than MOTO
The customer enters their own card details and passes 3D Secure, so you get a lower rate than keying it in yourself.
What to look for in a payment links deal
Link flexibility
Check whether links can be reused, expire automatically, or take deposits and part payments.
Headline pricing
The percentage or flat fee taken from each payment. Compare on your real volumes, not the marketing rate.
Monthly and hidden fees
Check minimum monthly charges, PCI fees, gateway fees, refund charges and chargeback costs.
Settlement speed
How quickly funds reach your business account — next day makes a real difference to cashflow.
Security and compliance
PCI DSS scope, 3D Secure, tokenisation and fraud screening should be included, not bolted on.
Reporting and integrations
Links to your accounting software, EPOS or online store so takings reconcile automatically.
How does comparing payment links work?
Tell us roughly how many remote payments you take each month and your average value.
We show UK providers offering payment links, with the transaction fee and any monthly cost.
Open an account — most link providers are self-serve and can be live within an hour.
Create your first link, send it, and track paid or unpaid status in the dashboard.
Do I need payment links?
If you quote by phone or message and currently wait for a bank transfer, payment links will cut your time-to-cash dramatically.
Businesses with a full ecommerce checkout usually don't need them, though links are still handy for bespoke quotes and deposits.
Service businesses, trades, tutors and consultants get the most benefit.
How do I choose the best payment links deal?
Look past the headline percentage to the fixed pence fee, which matters a lot on small tickets. Then check whether links can be reused, whether you can add your logo, and whether the provider supports partial payments or deposits.
How much could I save on payment links?
Cutting the wait from a 21-day average invoice payment to same-day link payment on £15,000 of monthly billing releases roughly £10,000 of working capital permanently — usually worth more than any fee difference.
Payment guides
These guides might help.
How payment processing fees work
Interchange, scheme and acquirer fees explained — and which ones you can negotiate away…
Choosing a payment provider
What UK providers check, how long onboarding takes and when a specialist beats your bank…
PCI DSS made simple for small firms
The compliance basics every business handling payments has to meet…
FAQs
Our services are provided at no cost to you. We may receive a commission from the companies we refer you to, but this does not affect what you will pay for the product you choose.
Written by the Grow Your Business payments team · Updated 25 July 2026