Payment links and QR codes are the website you don't have to build
A payment link is a URL that opens a page showing what's owed, where the customer pays by card or ACH. A QR code is the same link, scannable in person. Either one does the one job a checkout page does — collect money — without you building, hosting, or maintaining a site. Drop the link in a text, an email, an Instagram bio, or a DM; show the QR on your phone at a market stall.
Setting it up with Holdings
- Payment links + QR codes: Free on the $0/mo plan.
- Customer pays by: card or ACH bank transfer, no account required.
- You pay: 3% + $0.30 per payment, only when you collect.
There's no hardware and no website to stand up. You can also send a full invoice (which carries its own pay link) when you want a record of what was billed.
The money lands as a recorded sale
Because Holdings is a bank account where the accounting is native, a payment from a link or QR doesn't just hit your balance — it's recorded as a sale in the same instant. The payment and the journal entry are one event, so even without a website, a storefront, or accounting software running alongside, your books stay current with nothing to reconcile.
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Frequently asked questions
Can I get paid online without building a website?
Yes. A payment link or QR code is a standalone page customers pay from by card or bank — you just share the link or show the code. No website, hosting, or checkout build required.
How do customers pay a payment link?
They open the link (or scan the QR), see what they owe, and pay by card or ACH bank transfer in seconds. They don't need an app or an account.
Is it free to create payment links?
With Holdings, yes — payment links and QR codes are free on the $0/mo plan. You only pay 3% + $0.30 when a customer actually pays you.