Payment Link
A payment link is a web address on an invoice that lets a client pay by card on their own. The client picks when to pay. Your processor still charges its usual fee.
What it means
A payment link works like a card machine that lives on the invoice. The client clicks it, enters their own card details and pays. There is no visit and no phone call. Nobody reads card numbers out loud.
It is the same card payment underneath, so the same merchant fee applies. What changes is the timing. A client who keeps meaning to do a transfer can pay from their phone at eleven at night. They do not have to wait until they are at a computer, days after the job.
You email an invoice with a payment link attached. The client normally forgets to log into their bank. They pay from their phone that same evening, not a week later.
Assuming a payment link is free because you do not take the card in person. It carries the same merchant fee as any other card payment.
See also
Where this shows up
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- guide How to get paid faster, without the awkward follow-up The reminder cadence here stops most late invoices from becoming a collections problem.
- tool Late payment fee & interest calculator Enter an overdue balance, a rate, and the days late. You get the interest, the total now due, and a reminder line to copy and paste.
- tool Payment method check Enter your invoice amount, your card fee, your hourly rate, and how long a transfer takes. The tool compares card, bank transfer, and cash for this invoice. It shows the fee, your time, and when the money lands.