Get Paid Faster with Secure Payment Links

Pay-by-link lets you send a secure payment link by text, email or WhatsApp, or show a QR code, so customers can pay without a card machine. Hospitality teams use it for deposits, private dining, event bookings and settling bills remotely.

Create Payment Link

How Customers Can Pay

Fast, simple, and frictionless payments from any device.

Debit or Credit Cards

Accept fast and secure payments using all major card networks.

Pay by Bank (Open Banking)

Enable direct bank-to-bank payments with strong authentication.

Digital Wallets

Quick checkout with Apple Pay and Google Pay.

Remote & Flexible Payment Solutions

Accept payments remotely, on the go, or over the phone with a single, secure solution. From Virtual Terminal payments and mobile acceptance to pre-authorized bookings and branded payment links, manage every transaction with built-in Strong Customer Authentication, advanced fraud protection, and a seamless customer experience.

Business owner checking a payment on a smartphone and laptop

Virtual Terminal – Payments by Phone

Strong Customer Authentication (SCA) built in

No hardware required

Perfect for remote payments and support teams

Moola multi-currency accounts illustration

Take Payments Anywhere

Accept payments on the go using our mobile-friendly tools.

Security & Fraud Protection

All Pay by Link and Virtual Terminal payments are protected with strong authentication and fraud controls.

Pre-Authorization for Bookings

Reduce no-shows

Guarantee customer commitment

Capture or release funds when required

Branded Payment Experience

Offers and discounts

Invoices and payment requests

Promotional campaigns

Pay-by-link: common questions

What is pay-by-link and when should I use it?

Pay-by-link lets you send a secure payment link by text, email or WhatsApp, or show a QR code, so customers can pay without a card machine. Hospitality businesses use it for deposits, private dining and event bookings, pre-orders and settling bills remotely. The customer simply opens the link and pays by card.

Do I need a website or card machine to use pay-by-link?

No. You create a payment link and send it by text, email, WhatsApp or social media, or show it as a QR code. The customer pays on a secure payment page with their card, Apple Pay or Google Pay, so you can take payments without a website checkout or a terminal.

Is pay-by-link safer than taking card details over the phone?

Yes. With pay-by-link the customer enters their own card details on a secure payment page, so sensitive card data never passes through your staff. That reduces fraud risk and the PCI compliance work that comes with writing down or keying in card numbers from a phone call.