Razorpay Payment Links vs SumUp Payment Links
Razorpay Payment Links
razorpay.comSumUp Payment Links
sumup.comSide by side
| Figure | Razorpay Payment Links | SumUp Payment Links |
|---|---|---|
| Price from | Free | £15.75/mo |
| Free plan | Yes | Yes |
| Free trial | Yes | Yes |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| API | Yes | Yes |
| Plans published | 3 | 4 |
| Spec score · Payment Link Software | 8.2 (#13) | 8.6 (#10) |
| Funding news | Razorpay announced a $375 million Series F round on December 20, 2021, raising its stated valuation to $7.5 billion and cumulative investment to about $740 million. | SumUp announced €285 million in funding led by Sixth Street Growth on 11 December 2023. |
| Limit: support responsiveness | Trustpilot reviewers repeatedly describe generic replies, slow responses and unresolved support cases. | G2 reviewers mention slow phone support, while App Store reviews describe support as ineffective during operational problems. |
| Payment methods | Supported methods include cards, UPI, netbanking, wallets, EMI, Pay Later and bank transfer. | The Payment Links page displays Mastercard, Visa, American Express, Diners Club, Discover and UnionPay as payment methods. |
| Rating on Capterra | 3.7 out of 5 from 121 reviews | 4.8 out of 5 from 17 reviews for SumUp Point of Sale. |
| Rating on G2 | 4.3 out of 5 from 174 reviews | 4.6 out of 5 from 24 reviews. |
| Rating on GetApp | 3.6 out of 5 from 112 reviews | 4.5 out of 5 from about 1,200 reviews. |
| Rating on Google Play | 3.3 out of 5 from 9.68K reviews | 4.3 out of 5 from 4.52K reviews for SumUp Personal Finance. |
| Rating on Trustpilot | 1.4 out of 5 from 454 reviews | 4.2 out of 5 from 59,787 reviews. |
| Webhooks | Razorpay advertises instant webhook notifications for every Payment Link transaction. | Checkout status changes are delivered by HTTP POST webhooks, with retries after non-2xx responses. |
| What it does | Razorpay Payment Links creates hosted payment URLs that merchants share through SMS, email or WhatsApp to collect money without building a checkout site. | Payment Links creates secure online checkout links that merchants share so customers can pay without a website, online store, card reader or SumUp app. |
Plans
Razorpay Payment Links
- 90-day introductory offerFree
- Payment LinksFree
- Standard platform feePrice not published
SumUp Payment Links
- Pay-as-you-goFree
- Payment LinksFree
- Payments Plus£19 a month
- Payments Plus annual£189 a year
In their own words
Razorpay Payment Links
Razorpay Payment Links lets businesses collect customer payments by sending a link through SMS, email, or WhatsApp. Customers can pay using 180+ payment methods, while businesses can customize the payment page to match their brand. Payment terms can include an upfront amount, installments, or an advance. For bulk creation, users can upload a .csv or .xlsx file to generate and share hundreds of links at once. Webhook notifications report transactions, and APIs can automate link creation and collection. Payment Links support nearly 100 major currencies, with automatic real-time conversion. Razorpay lists web, Android, and iOS SDKs, server integrations for PHP, Ruby, Python, .NET, Node.js, Java, and Go, and plugins or documentation for commerce platforms including WooCommerce, Magento, Shopify, WordPress, and Wix. There is no free plan, though a free trial is listed. Pricing includes a zero-fee offer for the first 90 days; afterward, the listed fee is 2% plus GST on successful payments.
SumUp Payment Links
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.