TL;DR — In Brief
PayLinks: Create an account in 30 seconds, send a link, customer pays. No website, no business registration required. Ramp: Better suited for european users wanting low on-ramp fees.
30s
PayLinks Setup
$0
Monthly Fee
Yes
No Business Required
Global
Payments Accepted
Detailed Comparison
| Feature |  PayLinks | R Ramp |
|---|---|---|
| Payment links | ✅ | ❌ |
| Recurring payments | ✅ | ❌ |
| Apple Pay | ✅ | ❌ |
| Google Pay | ✅ | ❌ |
| Revolut Pay | ✅ | ❌ |
| No business registration | ✅ | ✅ |
| No website required | ✅ | ✅ |
| Instant setup (30 sec) | ✅ | ✅ |
| Local support | ✅ | ❌ |
| Fee | 2% | 0.49-2.99% |
| 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:
- 👉Shareable payment links — no integration needed
- 👉Fiat + crypto payments in one platform
- 👉Romanian market with RON on/off-ramp
- 👉Business tools: invoicing, customer tracking
- 👉Designed for merchants, not just crypto buyers
🔍
Choose Ramp if you want:
- 👉Lower on-ramp fees (as low as 0.49%)
- 👉Open banking for fast European bank transfers
- 👉Developer SDK for app integration
- 👉Regulatory compliance across Europe
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 Ramp?
Ramp Network — "Low-fee crypto on-ramp".
Among the lowest on-ramp fees in the marketFast open banking integration in EuropeSDK for easy developer integrationSupports Apple Pay and Google Pay
Pricing Comparison
PayLinks
- Fee:2%
- Monthly fee:$0
- Setup:Free
Ramp
- Fee:0.49-2.99%
- Monthly fee:None
- Setup:Varies
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
RRamp is for you if:
- ☑️European users wanting low on-ramp fees
- ☑️Developers integrating crypto buying into apps
- ☑️Users who prefer open banking transfers
- ☑️Cost-conscious crypto buyers
Questions about PayLinks vs Ramp
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. Ramp is better suited for european users wanting low on-ramp fees.
