Pay. Pay by Link vs SumUp Payment Links

Pay. Pay by Link lets merchants request payments through links and QR codes. Merchants create links in Pay.’s admin and share them by email, SMS, or channels such as WhatsApp. QR codes can be printed on receipts or invoices. A request can have a chosen expiry date and time; dynamic links can also remain valid indefinitely. Merchants can set fixed, minimum, maximum, or free amounts, choose payment methods, and add up to three optional fields. Customers pay using methods available through the merchant’s sales channels, and payment pages can use the merchant’s brand style. Pay. describes the feature for prepayments, business invoices, and reminders. It lists more than 90 integrations, plugins for over 20 webshop systems, and custom integrations through APIs. Platforms are Android, iOS, web, and API. The Pioneer plan has no monthly charge but uses Professional transaction rates plus €0,05 per transaction and 0,25% of turnover. Professional costs €35 per month plus transaction fees; the service also has an €89-per-month Business plan and a quote-based Premium plan.

SumUp Payment Links lets businesses collect online payments by sharing a link, without needing a website or card reader. Merchants can create links for fixed or open amounts, reuse them, set expiration dates and allow tips or notes. Links can be sent through Instagram, WhatsApp, SMS and email, or shown as QR codes. Customers pay on a secure page without downloading an app or creating an account. The SumUp Business App shows which links are paid or outstanding and lets merchants resend unpaid ones; after a payment, the merchant’s account is updated with a push notification. Listed payment methods are Mastercard, Visa, American Express, Diners Club, Discover and UnionPay. Link creation is supported in a browser, app, POS Lite and SumUp Register. SumUp says links use 3D Secure 2. The free plan has no monthly fee and charges 2.50% per transaction; paid plans start at £19/mo.