SmartBill vs xMoney

TL;DR — In Brief

SmartBill is best for those wanting invoicing + payments in one place. xMoney is better suited for those looking for new alternative. If you're a freelancer or have a small business and want to collect payments simply without complications, PayLinks may be the best option - 30-second setup, no monthly fee, no business registration required.

Simpler than both

Create a payment link while you compare processors.

Use PayLinks for invoices, deposits, or one-off client payments without waiting to choose a full payment stack.

Create a payment link Compare PayLinks

SmartBill

Fee:Through partners (EuPlătesc, etc.)

Monthly fee:from 5.84 €/month + VAT

No business req.:No

xMoney

Fee:Competitive

Monthly fee:$0

No business req.:No

PayLinks

Fee:2%

Monthly fee:$0

No business req.:Yes

Detailed Feature Comparison

Feature	SmartBill	xMoney	PayLinks
Payment links	✅	✅	✅
Recurring payments	❌	✅	✅
Apple Pay	❌	✅	✅
Google Pay	❌	✅	✅
Revolut Pay	❌	❌	✅
No business required	❌	❌	✅
No website required	✅	❌	✅
Instant setup (30 sec)	❌	❌	✅
Local support	✅	✅	✅

What is SmartBill?

SmartBill — "Online invoicing for entrepreneurs". An invoicing platform with payment options.

Strengths:

✅Leader in online invoicing solutions in Romania
✅e-Invoice fully integrated
✅Sync with accounting

Weaknesses:

⚠️No own payment processing
⚠️Payment links only through partners
⚠️Focus on invoicing, not payments

What is xMoney?

xMoney — "Simplified payments". A payment processor for online stores and businesses.

Strengths:

✅Modern interface
✅Fresh market approach
✅Focus on user experience

Weaknesses:

⚠️Relatively new to market
⚠️Less known
⚠️Shorter track record

The Alternative: PayLinks

PayLinks

If neither SmartBill nor xMoney seem ideal, maybe because:

⚠️You don't want to pay monthly fees even when you have no sales
⚠️You don't have (or don't want) a website
⚠️You don't have a registered business and want to collect payments as an individual
⚠️You don't want to wait days for approval

...then PayLinks is made for you. Built specifically for freelancers and small businesses.

30s

Full setup

Monthly fee

Payment methods

Global

Payments

Create a payment link →PayLinks vs Stripe

Which one fits you?

Choose SmartBill if:

☑️Those wanting invoicing + payments in one place
☑️Businesses needing e-Invoice
☑️Companies with external accountant

Choose xMoney if:

☑️Those looking for new alternative
☑️Small-medium businesses

Choose PayLinks if:

✅Freelancers and solopreneurs
✅Individuals wanting to collect online
✅Private tutors and teachers

Questions about SmartBill vs xMoney

It depends on your needs. SmartBill is ideal for those wanting invoicing + payments in one place, while xMoney is better suited for those looking for new alternative. If you're a freelancer or have a small business and want simplicity, PayLinks may be a better option - 30-second setup, no monthly fee.