Pay. Pay by Link

Pay. Pay by Link lets merchants collect payments through shareable requests and QR codes. It suits businesses that need to take payment beyond a standard checkout, particularly for invoices, prepayments and reminders. The Pioneer plan has no monthly fee, but transaction charges still apply.

Overview

Merchants create requests in Pay.’s admin and share them by email, SMS or channels such as WhatsApp. They can also put QR codes on receipts or invoices, giving customers another way to reach a payment page. That makes the feature practical for businesses that need to prompt payment in person or outside their usual webshop flow.

Payment pages can use the merchant’s brand style, and customers pay with methods available through that merchant’s sales channels. The options are therefore connected to the merchant’s existing payment setup. For more control over a request, dynamic links can specify a fixed, minimum, maximum or freely chosen amount, select payment methods and include up to three optional fields.

Pay. draws a distinction between a dynamic link, which can remain valid indefinitely, and a payment request that its sender can set to expire at a chosen date and time. Merchants should choose the configuration that fits whether a request is intended for reuse or for a limited payment window.

Key features

• Links and QR codes: Share requests digitally or place a QR code on an invoice or receipt. This is useful when customers need a direct payment route without a conventional checkout.
• Configurable requests: Set amount rules, select payment methods and add up to three optional fields. That offers useful flexibility for varied requests, though it is a focused payment tool rather than a full checkout-building feature.
• Integrations and APIs: Pay. reports more than 90 integrations, plugins for over 20 webshop systems and custom integrations through APIs. These options can help merchants connect payment collection to existing systems.
• Mobile app and support: Pay. says its free app provides insight into webshop or website payment traffic from any location, and its team is available 24/7 to support payment receipt and processing.
• Security and data: Pay. states that it is PCI-DSS certified, processes data according to GDPR, holds ISAE 3402 and ISO 27001:2022 certifications, and stores data in Dutch data centers while collecting only what is needed to process payments.

Pricing

Pay. is freemium, with plans charging transaction fees in addition to any monthly subscription. The free Pioneer plan has no monthly charges or setup fees and can be cancelled anytime, but it uses Professional transaction rates plus €0.05 per transaction and 0.25% of turnover. It is the lowest-commitment option, but those extra charges matter for merchants processing frequent or high-value payments.

• Pioneer — free: No monthly charge; pay per transaction. Best for merchants who want to start without a subscription and can weigh the added transaction charges against their payment volume.
• Professional — €35 per month, plus transaction fees: Includes 50+ payment methods, basic chat, email and phone support, and free testing. It is the clearest fit for businesses that need broader payment-method coverage and support, though the monthly charge makes it less suitable for occasional use.
• Business — €89 per month, plus transaction fees: Aimed at organizations with annual revenues starting from €2.5 million, with a personal account manager and service level agreement. The higher fee is tied to those larger-business services rather than just link creation.
• Premium — custom pricing: For organizations with annual revenues starting from €25 million and specialized industries; includes priority support. This is for larger or more specialized operations, not a straightforward low-cost option.

There is no free trial. Recurring payments are supported, but the listed plans do not give a separate recurring-payment quota or cap.

Platforms

Pay. Pay by Link is available on Android, iOS, web and API. The free mobile app provides payment-traffic insight; merchants can also use APIs for custom integrations.

Who it's for

This is a sensible choice for merchants who need branded payment requests, configurable amounts and ways to share them beyond a standard online checkout. The combination of links, QR codes and integrations can serve invoices, prepayments and reminders. Businesses with sporadic payment needs may prefer to avoid a monthly plan, while those processing more payments should compare the Pioneer transaction charges with Professional’s monthly fee and transaction fees.

Pros and cons

• Pro: Links can be shared by email, SMS or channels such as WhatsApp, and QR codes extend them to printed invoices and receipts.
• Pro: Amount rules, selected payment methods and up to three optional fields allow merchants to tailor requests without giving up reusable dynamic links.
• Pro: The Pioneer plan has no monthly charge or setup fee, so merchants can use the service without a subscription commitment.
• Con: Pioneer adds €0.05 per transaction and 0.25% of turnover to Professional transaction rates, so no monthly fee does not mean fee-free processing.
• Con: Payment methods depend on those available through the merchant’s sales channels, so the link does not independently guarantee a particular selection.
• Con: Professional and Business add recurring monthly costs on top of transaction fees; there is no free trial to evaluate a paid plan first.

Alternatives

For a broader comparison of dedicated tools, see Payment Link Software.

• Checkout.com is worth considering for registered charities, which have a free payment-processing plan in countries where it operates; its other pricing is tailored.
• Dojo may suit merchants looking for a freemium option with a free trial and an Essential plan that includes core tools, major card types, real-time transactions and PCI-compliance support.
• HitPay Payment Links suits merchants who want no setup or monthly fee and can work with a 0.2% Payment Links fee plus the payment-method processing fee.
• Mollie offers pay-as-you-go pricing with no contract or commitment, which may suit businesses preferring a transaction-based approach over Pay.’s paid monthly tiers.
• PayPal Invoicing is a relevant alternative when the priority is creating and sending invoices without setup or subscription fees; transaction fees apply when customers pay.
• SumUp Payment Links is another no-monthly-cost option, with a 2.50% transaction fee.
• Cashfree Payment Links charges nothing for link creation and reminders, while standard Payment Gateway charges still apply.
• DonoLink is an alternative for donation pages and overlays, with a 3.5% fee per donation plus Stripe processing fees.

Verdict

Choose Pay. Pay by Link if your business needs branded, configurable payment requests that can be sent digitally or shared as QR codes, with integrations for existing payment operations. Its main limitation is cost structure: Pioneer still carries additional transaction charges, while paid plans add monthly fees on top of transaction costs. Merchants who need occasional requests should compare that usage against pay-as-you-go alternatives; larger businesses may find the account management and service terms of higher tiers more relevant.