Jim Payment Link
Jim Payment Link is a free Android and iOS tool for independent sellers and micro-entrepreneurs in the United States.
What Jim Payment Link is
Jim Payment Link is a free Android and iOS tool for independent sellers and micro-entrepreneurs in the United States. In the Jim app, a seller enters a sale amount, chooses Payment Link, and shares the generated checkout link by text, email, direct message, or messaging app. Customers can pay without downloading Jim or creating an account, using debit cards, credit cards, Apple Pay, or a digital wallet. The minimum sale is $1, and proceeds appear in the seller’s Jim balance within seconds. Jim lists no monthly fees and charges 4.99% + $0.30 per sale. With Profit Booster enabled, the processing fee is added to the customer’s total, allowing the seller to keep the full sale amount. Jim says links use end-to-end encryption, real-time fraud prevention, and PCI compliance. Some card payments may require bank-requested 3D Secure verification. Basic checkout customization and a product catalog are listed.
Good
- Free plan with no monthly fees
- Customers need no app or account
- Supports cards, Apple Pay, and wallets
- Funds appear within seconds
- Profit Booster can pass fees to customers
Watch out
- Charges 4.99% + $0.30 per sale
- Minimum sale amount is $1
- Some payments may require 3D Secure
- Available platforms are Android and iOS
Who it suits
It suits U.S. independent sellers and micro-entrepreneurs who need to request remote card or wallet payments. It is useful when customers should pay through a link without installing an app or opening an account.
Verdict
Jim Payment Link offers a direct way to send checkout links and receive remote payments. Sellers should account for the per-sale charge and the $1 minimum when setting prices.
Plans and prices
From Jim Payment Link's own pricing page, checked 15 Oct 2026.
| Plan | Price | What it gives you |
|---|---|---|
| Jim account | Free | Seller approval required · Tap to Pay 1.99% per sale · Payment Link 4.99% + $0.30 per sale · Same Day ACH 1.99% + $0.99 per transfer · No monthly fee |
| Jim Payment Link | — | No monthly fees · $1 minimum sale · 4.99% + $0.30 per sale |
| Payment Link transaction | — | $1 minimum sale · Card and digital-wallet checkout · Optional fee pass-through · Optional tips, sales tax, descriptions and reusable links · Per sale |
The facts
Each one read from Jim Payment Link's own pages, with the date it was checked.
What it does
- ACH cash-out
- Jim offers optional Same Day ACH transfers to a U.S. bank for 1.99% plus $0.99 per transfer, with a $15 minimum.checked 15 Oct 2026
- AI assistant
- Jim’s home page presents an AI partner that answers questions about sales performance, cash-flow progress and nearby selling opportunities.checked 15 Oct 2026
- Bookings feature
- Jim Bookings lets customers choose a service and appointment time through the Jim Website, pay a deposit and receive automatic reminders.checked 15 Oct 2026
- Card restrictions
- The virtual Jim Card cannot be used for ATM withdrawals, peer-to-peer apps such as Venmo, Zelle or Cash App, or certain restricted merchant categories.checked 15 Oct 2026
- Customer checkout
- Customers can pay from a link with card details or Apple Pay, Google Pay or Samsung Pay without installing Jim or creating an account.checked 15 Oct 2026
- Customer setup
- Customers can pay through the link without downloading the Jim app or creating an account.checked 7 Oct 2026
- Extra verification
- For some card payments, the customer’s bank may request 3D Secure verification.checked 7 Oct 2026
- Fee pass-through
- The seller can choose whether Jim adds the processing fee to the customer’s total or deducts it from the seller’s payout.checked 15 Oct 2026
- Geographic restriction
- Tap to Pay transactions must be processed within U.S. territory, while Jim Card purchases can be made worldwide.checked 15 Oct 2026
- Google Calendar integration
- With OAuth consent, Jim synchronizes appointments with Google Calendar and lets its Jim Chat assistant view, create, edit and delete calendar events.checked 15 Oct 2026
- How to create a link
- Sellers enter a sale amount in the Jim app, choose Payment Link, and share the generated link.checked 7 Oct 2026
- Instant balance
- Approved Payment Link sales are credited to the seller’s Jim balance within seconds.checked 15 Oct 2026
- Intended users
- Jim describes its audience as independent sellers and micro-entrepreneurs in the United States.checked 7 Oct 2026
- Jim Card
- Sales fund a free virtual Visa prepaid Jim Card that can be added to Apple Wallet or Google Wallet and used online at Visa-accepting merchants.checked 15 Oct 2026
- Licence and self-hosting
- Jim’s terms say its software, source code and other materials are protected intellectual property and prohibit reverse engineering, indicating a proprietary hosted service rather than open-source software.checked 15 Oct 2026
- Limit: account reviews and frozen balances
- BBB complaints describe accounts being placed under review with balances temporarily inaccessible while additional documentation was requested.checked 15 Oct 2026
- Limit: feature gaps
- An independent payment review says Jim lacks important capabilities expected from a fuller mobile payment system.checked 15 Oct 2026
- Limit: restricted access to funds
- Trustpilot reviewers complain that the virtual card cannot be used at ATMs or peer-to-peer services and that bank transfers are not instant.checked 15 Oct 2026
The company
- Company founded and headquarters
- CloudWalk, Inc. is listed on LinkedIn as founded in 2013 and headquartered in São Paulo, Brazil.checked 15 Oct 2026
- Company legal name
- Jim’s merchant agreement identifies CloudWalk Inc. as the legal contracting entity behind Jim.com.checked 15 Oct 2026
- Company size and funding
- CloudWalk’s LinkedIn profile lists 501–1,000 employees and says the company has raised more than $365 million since founding.checked 15 Oct 2026
- Founded
- 2013checked 28 Sep 2026
- Headquarters
- Sunnyvale, California, United Stateschecked 28 Sep 2026
Where it runs
- Device requirements
- The app requires an iPhone or Android phone with NFC, current software, a data connection and no jailbreak or root modification.checked 15 Oct 2026
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