Payment Link
A payment link is a web address on an invoice that lets a client pay by card without you there in person. It moves the choice of when to pay onto the client, not what the card costs.
What it means
A payment link works like a card machine that lives on the invoice instead of in your hand. The client clicks it, enters their own card details, and pays — no visit, no phone call, no reading numbers out loud to each other.
It’s the same card payment underneath, so the same merchant fee applies as any other card transaction. What changes is the moment: a client who keeps meaning to do a transfer can pay from their phone at eleven at night, days after the job, instead of waiting until they’re at a computer.
You email an invoice with a payment link attached. The client, who normally forgets to log into their bank, pays from their phone that same evening instead of a week later.
Assuming a payment link is free because you’re not physically taking the card — it carries the same merchant fee any other card payment does.
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 heads off most of what escalates into a real collections problem.
- tool Late payment fee & interest calculator Enter an overdue balance, a rate, and days late, and get the interest, the total now due, and a copy-paste reminder line.
- tool Payment method check Type in your invoice amount, your own card fee, your hourly rate, and how long a transfer usually takes, and compare card, bank transfer, and cash for this one invoice — the fee, your own time, and when the money lands.