Link Payments: The Easiest Way for SMBs to Get Paid Faster in 2025

Running a small business is a juggling act. Between managing customers, keeping up with inventory, and handling day-to-day operations, waiting on payments is the last thing you want slowing you down. That’s where link payments come in—a fast, convenient way to get paid without the headaches of chasing invoices or waiting for checks to clear. 

What Are Link Payments?

If you’re not familiar with what is link payments, here’s the simple breakdown: instead of waiting for customers to visit your store or call in with a credit card, you send them a secure payment link via SMS or email. They click the link, enter their payment details, and boom—you get paid instantly.

I started using link payments in my small business last year, and let me tell you, it was a game changer. Before that, I was constantly following up on unpaid invoices and dealing with customers who “forgot” to send a check. With payment links, I started seeing payments roll in the same day I sent out requests.

Why SMBs Should Use Link Payments

1. Get Paid Faster

One of the biggest struggles for SMBs is cash flow. You do the work, but payments trickle in days (or even weeks) later. Link payments speed up the process—customers can pay in seconds, reducing the time you spend waiting for money to hit your account.

2. Convenience for You and Your Customers

Let’s face it: customers want things to be easy. If paying you requires logging into an account, writing a check, or calling in credit card details, they’re likely to put it off. With link payments, they just tap and pay—no friction, no hassle.

3. Perfect for Mobile Transactions

Many customers today prefer handling business from their phones, whether it’s shopping online or paying bills. SMS Payments make it even easier to send a quick payment request via text message, ensuring they see it and act on it immediately.

I remember one customer—a contractor—who told me he was often on-site all day with no time to sit down at a computer to pay invoices. When I started texting him payment links, he could pay right from his truck during a lunch break. No more delays, no more follow-ups.

How to Start Using Link Payments in Your Business

Step 1: Choose the Right Payment System

Not all payment solutions offer link payments, so you’ll want to find a payment system for small business that includes this feature. Look for one that allows you to send links via SMS and email, supports multiple payment methods (credit card, Apple Pay, Google Pay), and offers real-time tracking.

Step 2: Send Payment Links Immediately

As soon as you complete a service or sell a product, send the payment link. The sooner customers receive the request, the more likely they are to pay on time. I’ve found that if I wait too long, customers mentally move on and forget about it.

Step 3: Automate When Possible

If you have recurring clients, set up automated payment links. This is especially useful for businesses with subscription models, service retainers, or membership fees. Automation means you don’t have to remember to send payment requests—it just happens.

The Future of Small Business Payments

Link payments aren’t just a passing trend; they’re becoming a standard in business transactions. More SMBs are realizing the benefits of going digital with their payments, reducing the friction of traditional invoicing, and improving cash flow.

If you’re still relying on outdated payment methods, 2025 is the perfect time to make the switch. Your business will run smoother, your customers will appreciate the convenience, and most importantly—you’ll get paid faster.

Have you tried link payments in your business yet? If not, it’s time to start. Your cash flow will thank you!