Table of content:
- Pay by Link explained: get paid without a webshop
- What is Pay by Link?
- Start without code: how it works
- Real-world use cases: Pay by Link in action
- Is Pay by Link secure?
- Scalable growth: Pay by Link grows with your business
- Best practices for using Pay by Link
- Social commerce & Pay by Link: huge growth potential
- Conclusion
- FAQ – Frequently asked questions about Pay by Link
Get paid without a webshop: Pay by Link explained
Imagine: you run a small shop or your own business. A customer messages you via SMS or WhatsApp:
"Can I pay for this directly?"
But you don't have a webshop. In the past, this often meant hassle:
- Manual bank transfers
- Reading card details over the phone
- Cash or paper invoices
Now you handle it digitally in 2 minutes: send a payment link → receive payment → done. Pay by Link bridges the gap between personal selling and digital payments.
What is Pay by Link?
Pay by Link is a payment method where you send your customers a personal payment link or QR code. They can pay securely online — without you needing a webshop, POS system or payment terminal.
The link or QR code takes customers directly to a secure payment page, where they choose their preferred payment method (card, wallet, bank transfer) and complete the transaction with 3-D Secure.
Who is Pay by Link for?
- Freelancers and SMEs without a webshop
- Associations & non-profits
- Hospitality & events
- Service providers (B2B and B2C)
- Social media sellers
Start without code: how it works
You create payment links or QR codes within minutes in the Saferpay back office — no coding required.
Use cases:
- Associations send donation links via email after an event.
- Caterers send a deposit invoice with a payment link via WhatsApp.
- Event organisers place QR codes on tables for ticket purchases.
- Jewellery designers send payment links via Instagram DM.
Real-world use cases: Pay by Link in action
- Phone & DM orders
Orders by phone, email, WhatsApp or Instagram → send a payment link → paid directly. - Click & collect / remote invoices
Deposits for in-store pickup or services → customers pay easily in advance. - On-site QR code
Static QR codes for farm shops, market stalls or donation boxes → self-service payment. - B2B transactions
Custom quotes with payment links → simplified administration and bookkeeping.
Is Pay by Link secure?
Yes. Pay by Link combines convenience with the highest security standards:
- PCI DSS-certified payment processing
- 3-D Secure for card payments
- Secure payment page
- No storage of sensitive payment data on your side as a merchant
Supported payment methods include credit & debit cards (Visa, Mastercard), Bancontact, Apple Pay, Google Pay and PayPal.
Scalable growth: Pay by Link grows with your business
Start with Pay by Link without coding and scale up when needed. With the Management API, you can automate your processes:
- Automatic sending of invoices & payment links
- Webhooks for real-time notifications
- Integration with ERP and CRM systems
- Simplified, fully automated bookkeeping
Best practices for using Pay by Link
- Test the sandbox first — experience it from the customer's perspective.
- Place QR codes strategically (on tables, flyers, invoices, social media posts).
- Build templates for recurring payments.
- Choose the authorisation type carefully: Reservation vs. Direct capture.
Social commerce & Pay by Link: Huge growth potential
Social media is becoming a key sales channel in Luxembourg:
- With an internet penetration of 98.8%, Luxembourg is among the most connected countries in the world (Jarnias – E-commerce Trends Luxembourg)
- More than 62% of the population is active on social media (Concept Factory / DataReportal, 2024)
- Social media share of visits (March 2025): Facebook ~64%, X/Twitter 10.89%, Instagram 9.49%, LinkedIn 1.08% (Statcounter Luxembourg)
- More than 70% of Luxembourgers shop online at least once a month (Retis – E-commerce Luxembourg 2024)
- 70% of millennials (aged 27–42) have already made a purchase via a social platform (FedEx Luxembourg)
- The global social commerce market is expected to reach $8.5 trillion by 2030 (Statista via FedEx Luxembourg)
Worldline Pay by Link enables social commerce by allowing payments directly via chats, stories or posts — no webshop, no technical integration. Also discover Worldline QR Payments to accept QR-code payments, or watch the LinkPlus video to see the solution in action.
Conclusion
Collecting payments without a webshop has never been easier. Pay by Link offers:
- Simple onboarding: Unlike most online payment solutions that require website or web shop checks, Pay by Link lets you start accepting payments instantly. No waiting, no complexity.
- Quick setup: No integration is needed. Log in to the back office with your credentials and start sending payment links right away.
- Flexible use across all channels: Take orders and receive payments via email, chat, social media, or in person - wherever your customers are.
- High security and scalability: protected with PCI DSS certification and 3D Secure protocol, Pay by Link grows with your business while keeping your payments safe.
Whether social selling, phone orders, click & collect, B2B quotes, or events – Pay by Link simplifies payments for customers and reduces merchant workload.
Start now
Create a test account or request an advisory call.
FAQ – Frequently asked questions about Pay by Link
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Pay by Link is a payment solution that lets customers pay securely online via a link or QR code — no webshop required.
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Yes, it's ideal for freelancers, SMEs, associations and service providers without their own e-commerce platform. It works especially well in hospitality, events, crafts and B2B services.
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Among others: credit & debit cards (Visa, Mastercard), Bancontact, Apple Pay, Google Pay and PayPal.
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Yes, all payments go through the PCI-certified Saferpay payment page with 3-D Secure.
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With the Saferpay Management API, your business can automate payments and transactions from your own systems (ERP, CRM) — without manual steps.