Can I switch from Substack to PayLinks?

Yes, you can start using PayLinks anytime. Create your free account in 30 seconds and start sending payment links immediately. No contract or notice period required.

What are the fees for PayLinks vs Substack?

PayLinks has a 2% fee per transaction with no monthly fee. Substack charges 10% + processing fees. With PayLinks, you only pay when you earn.

Do I need a registered business for PayLinks?

No! PayLinks allows you to start collecting payments even as an individual, without a registered business. This is one of the major differences compared to Substack which typically requires business registration.

Do I need a website for PayLinks?

No! Unlike many other payment solutions, PayLinks doesn't require a website. You create a payment link and send it to your client via email, SMS, or any messaging app. Perfect for freelancers and businesses without a website.

PayLinks vs Substack - Complete Comparison 2026

TL;DR — In Brief

PayLinks: Create an account in 30 seconds, send a link, customer pays. No website, no business registration required. Substack: Better suited for writers and journalists. Larger ecosystem, but payments are not the main focus.

30s

PayLinks Setup

Monthly Fee

Yes

No Business Required

Global

Payments Accepted

Detailed Comparison

Feature	PayLinks	Substack
Payment links	✅	❌
Recurring payments	✅	✅
Apple Pay	✅	✅
Google Pay	✅	✅
Revolut Pay	✅	❌
No business registration	✅	✅
No website required	✅	✅
Instant setup (30 sec)	✅	✅
Local support	✅	❌
Fee	2%	10% + processing fees
Monthly fee	None	None

Competitor information is accurate as of February 2026 and is based on publicly available data. Prices and features may change. Always verify on official websites for the latest information.

✅

Choose PayLinks if you want:

👉5x lower fees (2% vs 10%)
👉Sell any type of product or service
👉Not limited to newsletter format

🔍

Choose Substack if you want:

👉Best platform for paid newsletters
👉Complete publishing and distribution infrastructure
👉Built-in audience on platform

What is PayLinks?

PayLinks is a simple way to collect payments online, created for freelancers and entrepreneurs. Create a link in 30 seconds, send it via WhatsApp or Instagram, customer pays with card or Apple Pay, money arrives in your account. No website, no POS, no business registration required.

30 second setupNo business registration required - start as individualNo website or technical knowledge requiredAll payment methods: Card, Apple Pay, Google Pay, Revolut Pay

What is Substack?

Substack — "A new economic engine for culture". It's a fintech platform that offers payment functionality alongside other financial services.

All-in-one platform for paid newslettersCreators own email listNetwork effect (readers discover new publications)Extremely simple to use

Pricing Comparison

PayLinks

Fee:2%
Monthly fee:$0
Setup:Free

Substack

Fee:10% + processing fees
Monthly fee:None
Setup:Varies

Who is each better for?

PayLinks is for you if:

✅Freelancers and solopreneurs
✅Individuals wanting to collect online
✅Private tutors and teachers
✅Trainers and coaches
✅Photographers and videographers

Substack is for you if:

☑️Writers and journalists
☑️Podcasters
☑️Content creators relying on subscriptions

Questions about PayLinks vs Substack

It depends on your needs. PayLinks is ideal for freelancers and small businesses who want to collect payments simply, without a website and without technical knowledge. Substack is better suited for writers and journalists.