Sumup payment links: how it works, fees and alternatives

As a business owner, you’ll know how important it is to find the right payment solutions. You need to get paid by clients and customers as quickly and easily as possible, without any unnecessary costs.

Payment links offer an ideal solution for both B2B and B2C companies to get paid online. They’re offered as a service by many payment solutions providers, including the British fintech firm SumUp.

In this essential guide, we’ll show you how payment links work with SumUp and how to create and send one. We’ll also run through info on fees, security and limits.

Remember though that there are alternatives for sending payment links to clients and customers all over the world - including Wise Business.

Get started with Wise Business🚀

What are SumUp payment links?

SumUp payment links are a secure, convenient and flexible way to request money from customers.

You simply create a link on the SumUp app, send it to your customer and they pay it using a debit/credit card or mobile wallet. They’re taken to a secure website to pay, so there’s no need to create a SumUp account or download the app.

Crucially from a security perspective, you don’t need to share any card or bank information when you send a link.

There are a few ways you can share links, including email, SMS, WhatsApp and Instagram.

You can track payment links too, with the option to resend links and reminders for any outstanding payments.

Which businesses are SumUp payment links best for?

At SumUp, the payment links service is aimed at a range of business types including home delivery companies, click-and-collect retailers, social media sellers and freelancers.

However, payment links can also be useful for B2B businesses.

There are some restrictions on the platform as to what kinds of companies can use payment links. The following categories of business may not be supported:¹

• Gambling
• Investments, including cryptocurrency
• Automotive vehicles sales
• Firearms
• Debt collection agencies
• Travel businesses
• Pharmacy and nutrition
• Tobacco products and e-cigarettes.

You can see a full list on the SumUp website.

How to create and send a SumUp payment link - step-by-step

One of the best features of payment links is that they’re really quick and easy to create.

To make and send a new payment link with SumUp, simply follow these steps:²

1. Create a SumUp profile, if you haven’t already
2. Sign in to the SumUp mobile app
3. Tap ‘Payment links’ and then ‘Create payment link’
4. Enter the amount to be paid, plus a short description of what the payment is for
5. Choose whether you’re creating a single or reusable link
6. Check the details and confirm by selecting ‘Create payment link’
7. Choose how you want to share the link - you can copy and paste to the platform of your choice, display as a QR code or share a link in another way through the app.

Fees for sending payment links with SumUp

SumUp charges a fee for every successful transaction carried out through a payment link. This is set according to your SumUp plan, and the card used to make the payment.

SumUp has a free Pay-as-you-go plan, and a Payments Plus plan costing £19 per month.

Let’s take a look at the main SumUp payment links fees you need to know about:³

Are there any limits with SumUp payment links?

Once your SumUp account is verified, you can accept payments of any value above £1. However, if you’re requesting a very large sum, you should be aware that the payment may be stopped for security reasons.

Until your SumUp profile has been verified, you’ll only be able to receive a maximum of £5,000 through payment links.⁴

Is it safe to send payment links with SumUp?

Yes, it’s safe to use SumUp payment links. When you send one, your recipient's pay using the platform’s online payment system - this uses security measures such as 3D Secure 2 to authenticate customer identities and prevent fraudulent transactions.⁵

Another useful security feature is SumUp’s SMS service. You’ll share payment links through that, rather than having to use your own phone number.⁵

SumUp is authorised by the Financial Conduct Authority (FCA) in the UK.

Pros and cons of SumUp payment links

Here are just a few of the main advantages and drawbacks to weigh up before you start using SumUp payment links:

An alternative: use Wise Business to send payment links and get paid in multiple currencies

SumUp isn’t the only provider offering payment links. You might also want to consider an alternative, such as Wise Business.

With a Wise Business account, it’s quick and easy to create and send payment links to clients, suppliers and customers all over the world. You can create single or reusable links, and share them by email, text, Whatsapp or QR code.

Your recipients can choose from a range of payment methods. It’s free to pay with Wise or via bank transfer, while fees for accepting card payments are just 2.9% for domestic and international commercial cards.

Payment links with Wise are convenient, quick and secure - making them the ideal choice for B2B companies.

Read more on Wise payment links💡

Send and receive money with Wise Business

Your Wise Business account also offers the following features:

• Hold and convert between 40+ currencies all in one place
• Send payments worldwide
• Get local bank details to receive money for free
• Mid-market exchange rates on all currency conversions
• Pay up to 1,000 people at one with batch payments
• Order Wise company and expenses cards
• Seamlessly integrate with accounting and other business tools through the powerful Wise API.

Register with Wise Business🚀

And that’s it - our essential guide to SumUp payment links including how they work, how to create one and how much they cost.

We’ve even covered security, limits and what kinds of companies can use SumUp payment links.

Sources used:

Sources last checked on date: 19-Jun-2025