What Are the Benefits of Pay by Link Payments?

Faster Payments, Less Friction

Pay by link removes the need for manual data entry or complex checkout journeys.

Customers simply click the link, confirm the payment, and complete the transaction in seconds.

This reduces delays, eliminates errors, and increases the likelihood of completing the payment there and then.

Take Payments Anywhere

With pay by link, your business is no longer tied to a checkout page or physical terminal.

You can request payments through:

• Phone calls
• Email
• SMS
• Live chat
• Social media

Wherever your customer is, you can complete the transaction.

Improved Cash Flow

Faster payments mean better cash flow.

Instead of waiting for bank transfers or chasing unpaid invoices, businesses can send a payment link and receive funds quickly, often within the same day.

This reduces outstanding balances and improves financial visibility.

Reduced Fraud Risk

Pay by link payments are more secure than traditional card-not-present methods.

With secure authentication and no need to handle sensitive card data directly, businesses can reduce exposure to fraud and minimise chargebacks.

Lower Operational Costs

Pay by link removes the need for hardware, manual processing, and time spent chasing payments.

This leads to:

• Reduced admin time
• Fewer failed transactions
• Lower processing and operational costs

Better Customer Experience

Customers expect fast and simple payment options.

Pay by link provides a smooth, familiar experience that works across all devices without requiring apps or additional setup.

This helps increase trust and improves overall satisfaction.

Supports Multiple Payment Methods

Pay by link can support a range of payment options, including:

• Debit and credit cards
• Digital wallets
• Open Banking (pay by bank)

Giving customers choice helps reduce drop-off and improves completion rates.

Scalable for Any Business

Whether you're processing occasional payments or managing high volumes, pay by link scales with your business.

It works for:

• SMEs and growing businesses
• Hotels
• Customer service teams
• Call centres
• Enterprise operations

Take the Friction Out of Getting Paid

Pay by link simplifies the entire payment journey — from request to settlement.

With SOTpay, you can send secure, branded payment links, reduce delays, and give your customers a faster way to pay.