Can I switch from Wise 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 Wise?

PayLinks has a 2% fee per transaction with no monthly fee. Wise charges 1% – 2.9% (card payments). 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 Wise 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 Wise - 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. Wise: Better suited for freelancers receiving international payments (usd/gbp/eur). 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	Wise
Payment links	✅	✅
Recurring payments	✅	❌
Apple Pay	✅	✅
Google Pay	✅	❌
Revolut Pay	✅	❌
No business registration	✅	❌
No website required	✅	✅
Instant setup (30 sec)	✅	❌
Local support	✅	✅
Fee	2%	1% – 2.9% (card payments)
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:

👉Instant 30-second setup, no verification needed
👉No business registration required
👉100% focused on payment links
👉Dedicated local support
👉Recurring payments included
👉Revolut Pay, Google Pay integrated

🔍

Choose Wise if you want:

👉Multi-currency accounts in 24+ currencies
👉Mid-market exchange rate with zero markup
👉Ideal for frequent international payments
👉Powerful API and accounting integrations
👉Business cards included

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 Wise?

Wise Business — "Money without borders". It's a fintech platform that offers payment functionality alongside other financial services.

Real mid-market exchange rate with zero markupMulti-currency accounts in 24+ currenciesLow fees for international transfersZero monthly fee – pay only what you use

Pricing Comparison

PayLinks

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

Wise

Fee:1% – 2.9% (card payments)
Monthly fee:None
Setup:50 EUR (one-time registration fee)

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

Wise is for you if:

☑️Freelancers receiving international payments (USD/GBP/EUR)
☑️Businesses with overseas suppliers or clients
☑️Digital nomads needing multi-currency accounts

Questions about PayLinks vs Wise

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. Wise is better suited for freelancers receiving international payments (usd/gbp/eur).