The short answer
Pay by link generates a secure, single-use payment page you send by SMS or email. The customer pays on their own device. It suits deposits, phone orders, field service, and any business without an online checkout — and it beats keying a card into a virtual terminal on both cost and risk.
Why it beats keying a card
Keyed transactions carry higher interchange and put you in possession of card details. A link is customer-entered, which improves qualification and keeps card data out of your business entirely.
Where it converts best
Trades and field service taking deposits on site, professional services chasing invoices, and any conversation that ends with 'can I pay over the phone?'
Key takeaways
- Cheaper and safer than keying a card manually
- Works without a website or terminal
- Ideal for deposits and phone orders
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