TL;DR — In Brief
PayLinks: Create an account in 30 seconds, send a link, customer pays. No website, no business registration required. Simplex: Better suited for crypto platforms needing fraud-protected on-ramp.
30s
PayLinks Setup
$0
Monthly Fee
Yes
No Business Required
Global
Payments Accepted
Detailed Comparison
| Feature |  PayLinks | S Simplex |
|---|---|---|
| Payment links | ✅ | ❌ |
| Recurring payments | ✅ | ❌ |
| Apple Pay | ✅ | ❌ |
| Google Pay | ✅ | ❌ |
| Revolut Pay | ✅ | ❌ |
| No business registration | ✅ | ✅ |
| No website required | ✅ | ✅ |
| Instant setup (30 sec) | ✅ | ✅ |
| Local support | ✅ | ❌ |
| Fee | 2% | 3.5-5% |
| 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:
- 👉Payment links at 2% vs 3.5-5% fees
- 👉Integrated fiat + crypto acceptance
- 👉Built for Romanian businesses with RON
- 👉End-user product with business dashboard
- 👉Simple UX — no crypto knowledge needed
🔍
Choose Simplex if you want:
- 👉Fraud-free guarantee for all transactions
- 👉Integrated into 200+ crypto platforms
- 👉Licensed EU payment processor
- 👉Global credit card support
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 Simplex?
Simplex (by Nuvei) — "Fiat-to-crypto payment processor".
Fraud-free guarantee for merchantsIntegrated into 200+ crypto partnersSupports credit/debit cards globallyFast processing times
Pricing Comparison
PayLinks
- Fee:2%
- Monthly fee:$0
- Setup:Free
Simplex
- Fee:3.5-5%
- 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
SSimplex is for you if:
- ☑️Crypto platforms needing fraud-protected on-ramp
- ☑️Users buying crypto with credit cards
- ☑️Businesses wanting guaranteed fraud protection
- ☑️Partners needing licensed EU payment processing
Questions about PayLinks vs Simplex
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. Simplex is better suited for crypto platforms needing fraud-protected on-ramp.
