How to take payments with a SumUp payment link
SumUp payment links let you charge customers online without a card reader or a shop. Here's how to create one and put it on your website.
Quick answer
Open the SumUp Business app, choose Payment Links, and add what you're charging for — the link is ready in a few taps, with no website or card reader needed. Paste it behind a button on your site, or send it by WhatsApp, text or email. Every link uses 3D Secure 2, and you can track who has paid in the app under More → Payment Links.
Step-by-step
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Create the link in the SumUp Business app
Open the app, choose Payment Links, and enter what you're charging for and how much. That's the whole setup — no website, no online store, and no card reader required. It's genuinely one of the fastest ways for a small business to start taking card payments.
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Put it behind a button on your website
Add a button to your services or contact page and set its link to the SumUp payment link. On Adviita, ask the AI editor to add a 'Pay deposit' button with your link. A button on the page converts better than a link buried in text, particularly on mobile.
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Use it where you already talk to customers
The link works anywhere: a WhatsApp chat, a text, an email, or a social post. For a lot of service businesses this matters more than the website button — you agree the job in a message and send the deposit link in the same thread while the customer is still engaged.
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Use it for deposits, not just full payment
A modest deposit link sent at the moment of booking dramatically cuts no-shows and is a much easier ask than the full amount. Create a separate link for each service or deposit amount so your payment records stay legible.
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Track what's outstanding
In the SumUp Business app, go to More within Payment Links to see who has paid and who hasn't. Chasing from that list is far quicker than searching your messages, and it stops small unpaid balances quietly disappearing.
Tips & best practices
- ▸Every payment link uses 3D Secure 2, which verifies the customer and protects you both against fraud.
- ▸Not every business type qualifies for SumUp's remote payments — restricted categories include alcohol, tobacco, e-cigarettes and pharmaceuticals. Check before relying on it.
- ▸Separate links per service keep your reporting readable as volume grows.
- ▸Send the deposit link while the customer is still in the conversation, not the next day.
Common questions
Do I need a website to use SumUp payment links?
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No. A payment link is a secure link that lets customers pay online in seconds with no website, online store, or card reader needed. Plenty of small businesses use them purely through WhatsApp and text.
How do I add SumUp to my website?
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Create the payment link in the SumUp Business app, then set a button on your site to link to it. There's no code involved — any button or hyperlink works. Wix also supports connecting SumUp as a payment provider directly.
Is SumUp secure for online payments?
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Payment links use 3D Secure 2, which verifies the customer's identity during the transaction and shifts fraud liability in most cases. That's the same standard used across mainstream online card payments.
Can any business use SumUp payment links?
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Most can, but not all. SumUp restricts remote payments for certain categories including alcohol, tobacco, e-cigarettes, pharmaceuticals and some financial services. Check the current restricted list before building your process around it.