The best payment link tool lets you create a link where you already work and send it the way your customers talk to you. Some makers here sell links as a stand-alone, no-code product, some put them inside a bigger payments or business account, and some build for buyers in one region. Check how each shares links: email, text, QR code or chat.
A payment link sounds like the simplest thing in payments: make a link, send it, and your customer pays. What's less obvious is that the makers selling them don't agree on what it's called or where it lives.
This list sticks to what each maker's own website says, read on 2 Nov 2026 (as of Nov 2026). It's alphabetical and in no particular order. I've left out every fee table, amount, speed line and offer shown on those pages, so you're comparing how each one creates and shares a link.
Payment link tools at a glance
| Tool | Type | Good for |
|---|---|---|
| Adyen | Pay by Link for call centers, stores and remote sales | Links by email, text or QR code |
| Cashfree | Payment links sent by SMS, email and WhatsApp | Collecting from buyers in India |
| Instamojo | Online store builder for D2C businesses | D2C sellers in India |
| Mollie | No-code payment links from a dashboard or API | Letting the customer choose the amount |
| Payhere | No-code checkout links, invoices and shops | Courses, club dues and invoices |
| PayPal | Payment links for sellers without a website | Selling without a website |
| Razorpay | Payment links by SMS, email and WhatsApp | Indian businesses and startups |
| Revolut Business | Payment links inside a business account | Links with a set amount and a reuse limit |
| Stripe | No-code Payment Links in a wider payments suite | No-code payments |
| SumUp | Payment links beside card readers and point of sale | Shops, home workers and sellers on the go |
Ten ways to create and send a payment link
Adyen
Best for: Creating branded, customer-specific links and sending them by email, text or QR code, from the dashboard or through an API integration.
Cashfree
Best for: Collecting through links sent by SMS, email or WhatsApp, with payment forms, subscriptions and a UPI stack in the same menu.
Instamojo
Best for: A D2C store builder whose menu lists payment links, smart links and an embedded payment button beside the online store.
Mollie
Best for: Creating a link in the dashboard or with the API, customising it, sharing or embedding it across channels, and letting a customer choose how much to pay.
Payhere
Best for: Solo sellers, clubs and course creators who want invoices, an online shop, digital downloads and courses on a connected Stripe account.
PayPal
Best for: Sending a link or sharing a QR code with customers, alongside online checkout, invoicing and a point-of-sale system from the same maker.
Razorpay
Best for: Making a link and sharing it by SMS, email or WhatsApp, with payment pages, payment buttons and QR codes in the same product family.
Revolut Business
Best for: Setting the amount, limiting how many times a link can be reused, and sharing it by email, text, social media, QR code or invoice.
Stripe
Best for: Adding a no-code link to a payments set-up that also lists Checkout, Elements, Invoicing and Billing.
SumUp
Best for: Dropping a link into a text, WhatsApp chat, email or social post, from the maker behind your card reader, tap to pay and online store.
Three names and three homes for one link
Here's the part that's easy to miss: the product doesn't even share a name. Adyen calls it 'Pay by Link' and aims it at 'call centers, stores, or remote sales'. PayPal sells links as a way to 'accept payments without a website'. Payhere pitches its links as a way to 'turn any offer into a checkout URL you can send anywhere'.
Where you sell matters too. Cashfree, Razorpay and Instamojo build for buyers in India, while Mollie, SumUp and Revolut Business serve European and UK sellers. A link from a maker that doesn't serve your customers' country isn't much use, however neat it looks.
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- Stand-alone link makers: no-code tools built around sending a checkout link.
- Links inside a bigger payments platform: one product among checkout, invoicing and point of sale.
- Regional providers: makers whose menus point to buyers in one country or region.
Email, text, QR code or WhatsApp?
Next, check how the link reaches your customer. The pages here name email, text and SMS, QR codes, WhatsApp, social media and invoices, so match the list to the way your customers already talk to you.
WhatsApp turns up more widely than you might guess: makers that build for India name it, and so do makers that serve European and UK sellers. If you meet customers face to face, the makers that list QR codes, card readers or a point-of-sale system sit closer to how you work.
Set amounts, open amounts and links you reuse
A couple of makers go further than a fixed link. One lets your customer choose how much to pay, and another lets you set the amount and limit how many times a link can be reused. If you'd like the link to look like your business, check the branding options too: one maker creates branded, customer-specific links, and another lets you personalise your payments page.
Before you send your first payment link
- Where will I create links: a dashboard, an app or an API?
- How will customers receive them: email, text, QR code or chat?
- Do I want a set amount, or should the customer choose?
- Will each link be used once, or again and again?
- Does the maker serve my country and my customers' country?
- Do I need invoices, a shop or a card reader from the same maker?
Do you make a payment link tool? Tool makers can ask to be considered for a featured place on this list.
My advice on choosing a payment link tool
Start with your customers, not the logo. If you sell mostly to buyers in India, look at the makers that build for them. If you're in the UK or Europe, start with the makers that serve sellers there. Then pick the one that shares links the way your customers already talk to you, whether that's email, text, a QR code or WhatsApp, and read each maker's own terms before you sign up.
And if clients are slow to settle up, here's how AI payment reminders can help, plus my guide to chasing late invoices with AI.
Want your tool on this list? Featured spots and reviews here are paid partnerships. Here's how to partner with me.
Frequently asked questions
What is a payment link?
It's a link you create and send to a customer so they can pay you online. On the pages here, makers say you can send links by email, text, QR code or chat, and one sells them as a way to accept payments without a website.
Can I take payments without a website?
One maker here sells payment links as a way to accept payments without a website, and another describes turning any offer into a checkout URL you can send anywhere.
Which of these send payment links by WhatsApp?
Several pages here name WhatsApp beside email and SMS, from makers that build for buyers in India to makers that serve European and UK sellers. Check each maker's own page for the channels it lists.
Can the customer choose how much to pay?
One maker here says you can let your customer choose how much to pay. Another lets you set the amount and limit how many times a link can be reused.
Can I create payment links through an API?
Some pages here say so. One lets you create links in its dashboard or with its API, and another lists an API integration for generating links.
Are these payment link tools available in my country?
It depends on the maker. On this list, some build for buyers in India and some serve European and UK sellers. Check the maker's own site for your country and your customers' country before you sign up.
