Pay. Pay by Link

Pay. Pay by Link is a merchant payment-request tool built around shareable links and QR codes. It suits businesses collecting prepayments, invoice balances or reminders outside a standard checkout. Its configurable requests and no-monthly-fee entry plan are appealing, though transaction charges and higher-tier monthly fees make the economics worth weighing against usage.

Overview

Merchants create requests in Pay.’s admin and send them by email, SMS or channels such as WhatsApp. A QR code can put the same route to payment on a receipt or invoice, which is useful when a customer is already dealing with a physical document rather than browsing a webshop.

Payment pages can carry the merchant’s brand style, and customers can use payment methods available through that merchant’s sales channels. That makes Pay by Link a practical extension of an existing payment setup, but the method choice is bounded by what the merchant already offers on those channels.

Pay. supports a dynamic link that can remain valid indefinitely, while also allowing a sender to set an expiry date and time for a payment request. The distinction matters: an enduring reusable link and a time-limited request serve different purposes, and merchants should configure the one that fits the transaction.

Key features

• Configurable requests: Dynamic links can specify a fixed, minimum, maximum or free amount, selected payment methods, and up to three optional fields. This provides useful flexibility for varied requests without implying a full custom checkout.
• Multiple ways to reach customers: Links can be shared directly, while QR codes can be printed on invoices or receipts. This suits both remote payment collection and requests tied to a document.
• Integration breadth: Pay. says it has over 90 integrations, plugins for more than 20 webshop systems, and APIs for custom integrations. That gives businesses several routes to connect payments, though the relevant route depends on their existing systems.
• Mobile visibility and support: Pay.’s free app provides insight into webshop or website payment traffic from any location. Its team says it is available 24/7 to support merchants with receiving and processing payments.
• Security and data handling: Pay. states that it is PCI-DSS certified, processes data according to GDPR, and holds ISAE 3402 and ISO 27001:2022 certifications. It says data is stored in Dutch data centers and that it collects only what is needed to process payments.

Pricing

Pay. uses a freemium model, with no free trial. The Pioneer plan is free, with no monthly charges, no setup fees and cancellation anytime. It charges per transaction at Professional rates plus €0,05 per transaction and 0,25% of turnover. Pioneer is the sensible starting point for merchants with irregular or lower-volume requests who want to avoid a recurring bill, but its transaction surcharge makes it less compelling as payment volume grows.

Professional costs €35 a month, billed €35 per month, plus transaction fees. It includes 50+ payment methods, basic chat, email and phone support, and free testing. The broader method coverage and testing make it a better fit for merchants establishing a regular payment operation, though the monthly charge means occasional users may prefer Pioneer.

Business costs €89 a month, billed €89 per month, plus transaction fees. It is aimed at organizations with annual revenues starting from €2.5 million and includes a personal account manager and service level agreement. Those services are more relevant to larger operations than to a small merchant simply needing payment links.

Premium has custom pricing for organizations with annual revenues starting from €25 million and specialized industries; priority support is included. It is geared toward large or specialist businesses rather than merchants seeking a low-cost way to collect occasional payments. Recurring payments are supported, but the plans still carry transaction fees where stated.

Platforms

Pay by Link lists support for Android, iOS, web and API. The mobile apps and API give businesses options beyond browser-based administration, while web support remains the straightforward fit for teams managing requests at a desk.

Who it's for

Pay by Link is strongest for merchants that need payment collection alongside invoices, reminders or prepayments, especially when requests need varying amounts or a QR-code option. Businesses already using Pay.’s payment channels may find the method availability and integration choices particularly useful. It is less suited to businesses seeking a simple flat-cost service: Pioneer still adds transaction charges, and the paid plans add monthly costs on top.

Pros and cons

• Pros: Requests support several amount rules and up to three optional fields, so merchants can adapt a link to different payment situations.
• Pros: Sharing by email, SMS or other channels and displaying QR codes covers both remote requests and printed invoices or receipts.
• Pros: Pioneer has no monthly charge or setup fee, and the broader plans add payment methods, testing or account-level services for businesses that need them.
• Cons: Pioneer adds €0,05 per transaction and 0,25% of turnover to Professional transaction rates, so frequent use can make the no-monthly-fee option less attractive.
• Cons: Professional and Business both add monthly fees as well as transaction fees, making them harder to justify for occasional requests.
• Cons: Customer payment methods depend on those enabled on the merchant’s sales channels, limiting the feature’s value as a standalone way to offer new methods.

Alternatives

Payment Link Software is a useful starting point for comparing services in the category.

• Dojo is worth considering for businesses that want a free plan with a free trial and core tools including major card types and real-time transactions.
• Mollie may suit merchants who prefer pay-as-you-go pricing without a contract or commitment, with stated rates for domestic debit and credit cards and other consumer cards.
• PayPal Invoicing is an alternative for users who want to create and send invoices without setup or subscription fees, paying transaction fees when customers pay.
• Checkout.com may be relevant to registered charities seeking free processing in countries where it operates, or businesses looking for tailored pricing.
• HitPay Payment Links offers a no-setup, no-monthly-fee approach, with a stated 0.2% Payment Links fee plus payment-method processing fees.
• Mercado Pago Payment Link may appeal to sellers who want no monthly fee and processing charges only when they make a sale.
• SumUp Payment Links is another no-monthly-cost option, with a stated 2.50% per-transaction charge.
• DonoLink is a web-based alternative for donation pages and overlays, with a 3.5% donation fee plus Stripe processing fees.

Verdict

Choose Pay. Pay by Link if your business needs adaptable payment requests that can be sent digitally or placed on invoices and receipts, and you value integration options and configurable amounts. Pioneer keeps the monthly commitment at zero, but its added transaction charges are the main reason to compare alternatives; businesses with steady volume should judge whether Professional’s monthly fee and added features fit their actual payment needs.