Payrexx Paylink vs SumUp Payment Links

Payrexx Paylink lets businesses create payment links in a dashboard or through an API, then send them by email, SMS, WhatsApp, or social media. Links can handle one-time payments, pre-authorisations, tokenisations, and recurring payments. Merchants choose whether reminders are sent, how often they recur, and how many days after the due point they go out. Paylinks can be delivered from a Payrexx account or connected to another system through an API or webhook. Listed plugins include WooCommerce, Shopify, Shopware, Magento, Ecwid, PrestaShop, Drupal, and Odoo, with Make and Zapier integrations. Payrexx says hosted payment pages keep sensitive cardholder data on its servers and that it is PCI-DSS Level 1 certified. It handles PSD2 Strong Customer Authentication and hosts the 3D Secure flow for standard credit cards. The Free plan costs nothing; its listed Mastercard and Visa fee is 2.50% plus EUR 0.30.

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.