TL;DR — In Brief
xMoney is best for those looking for new alternative. NETOPIA is better suited for online stores with high volumes. 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.
xMoney
NETOPIA
PayLinks
Detailed Feature Comparison
| Feature | xMoney | NETOPIA | 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 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
What is NETOPIA?
NETOPIA Payments (Link2Pay) — "The largest payment processor in Romania". A payment processor for online stores and businesses.
Strengths:
- ✅Lowest fees in market (0.99%)
- ✅Market leader - used by largest companies
- ✅Link2Pay for payments without full website
Weaknesses:
- ⚠️Enterprise and large store oriented
- ⚠️Complex integration for beginners
- ⚠️Support can be slow during busy periods
The Alternative: PayLinks
PayLinks
If neither xMoney nor NETOPIA 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.
Which one fits you?
Choose xMoney if:
- ☑️Those looking for new alternative
- ☑️Small-medium businesses
Choose NETOPIA if:
- ☑️Online stores with high volumes
- ☑️Companies with dedicated technical team
- ☑️Businesses processing many transactions
Choose PayLinks if:
- ✅Freelancers and solopreneurs
- ✅Individuals wanting to collect online
- ✅Private tutors and teachers