PayLynks

Payments platform

Payments for merchants and the software they run on.

Get paid by link, invoice, text, phone call, subscription or donation, by card, wallet or bank. Pass card costs on within the rules. Let your developers, or their AI tools, add payments in minutes.

Log in to your dashboardStart building

Payment request · sent by text

Demo Plumbing

Water heater flush

Service
$100.00
Credit card surcharge (3%)
$3.00
Total by credit card
$103.00

No surcharge on debit cards.

Pay $103.00
  • ✓ Reminder scheduled
  • ✓ Receipt by email

Every way your customers pay

One account, one set of payment records, whichever way the money comes in.

Payment links & QR codes

A hosted pay page with a shareable link and QR code. Fixed price, or let the payer enter the amount.

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Invoices

Line items, installment plans, late fees, early-pay discounts and automatic reminders.

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Text & email payment requests

Send a branded request by SMS or email. The customer taps the link and pays on their phone.

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Virtual terminal

Key in a card from the dashboard for phone and counter orders, with the exact total shown first.

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Saved cards & refunds

Save a card with the customer's permission, charge it later, and refund in full or in part.

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Recurring billing

Memberships, retainers and payment plans with automatic retries and a self-serve page to update the card or cancel.

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Voice payments

Take a card during a call with an AI agent or a person. Callers key the card on their phone; no one hears the digits.

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Embedded checkout

Drop card fields into any site or app. Card data goes straight to the processor, never through your servers.

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Bank payments, Apple Pay & Google Pay

Payers link a bank account with instant verification, or tap a wallet. Bank payments skip card fees entirely.

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Donation pages

Branded giving pages with suggested amounts, monthly gifts, a goal bar and a cover-the-fees option.

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Customer portal

Your customers sign in by email link to pay invoices, see receipts, and manage cards and subscriptions.

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Partner onboarding

Software platforms onboard the businesses they serve with a white-label signup and one partner API key.

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Keep more of every payment

Surcharging and dual pricing from one pricing engine. It checks the card type, the state's rules and the card brand caps, shows the customer the disclosure and the exact total before they pay, and refunds the fee in proportion.

Try the pricing engineHow the rules work →

Built for companies with many parts

Set up your company, its sub-companies, and the departments, locations or product lines inside them. Any company or sub-company can have its own processing account. Give each person a role where they work, and they see only their part of the business.

  • • Owner, admin, manager, staff and viewer roles
  • • Access set per area: payments, terminal, invoices, refunds, users, API keys
  • • Admins can preview the dashboard as any role before granting it
Log in to manage your team

Example organization

  • Acme Home Services · processing account
  • ├ Acme Plumbing · own account
  • │ ├ Residential
  • │ └ Commercial
  • ├ Acme HVAC · own account
  • └ Front office

For developers and AI builders

A clean REST API, signed webhooks, and tools built so AI coding assistants get payments right on the first try.

Add payments to an app

npx https://paylynks.io/downloads/paylynks-cli.tgz init

Connect Claude Code

claude mcp add --transport http paylynks https://paylynks.io/api/mcp

Point any AI tool at the docs

https://paylynks.io/llms.txt
curl https://paylynks.io/api/v1/payment_links \
  -H "Authorization: Bearer sk_test_..." \
  -H "Content-Type: application/json" \
  -d '{"title": "Drain cleaning", "amount": 12900}'

MCP server

Connect Claude, Cursor or any MCP client. It can create links, invoices, payment requests and subscriptions, and look up payments.

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One-command setup

npx paylynks init finds your framework, signs you in, writes test keys to your env file and adds a working checkout.

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Ready-made snippets

Next.js, Vite/React, Supabase edge functions, Express, a one-line HTML pay button and a webhook receiver.

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Docs AI tools can read

llms.txt, a full-text version and an agent skill file, so assistants build against the current API.

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Guardrails for AI tools

  • AI tools can only read until you allow more
  • A per-action spending limit you set
  • Refunds by AI tools only in test mode
  • Secret keys never sent to AI tools
  • Every action logged with the tool's name

Already a PayLynks customer?

Log in to take payments, send requests, manage subscriptions and invite your team.

Log inRead the docs