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Why SMEs should use pay by link?

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What is Pay by Link?

Pay by Link is a fast, secure way for businesses to accept payments online. It lets you generate a shareable link and send it to customers via email, SMS, WhatsApp, or social media. When they click the link, they’re taken to a secure payment page where they can pay using their preferred method: card, MB WAY, or Multibanco.

You don’t need a website, an app, or any complex setup. It works on any device, from anywhere. That makes it ideal for entrepreneurs and small businesses who want to get paid quickly, with less hassle and more flexibility.

A smarter way to run your business

In today’s digital economy, speed and simplicity are not just nice-to-haves, they’re essential. For many small businesses, innovation doesn’t mean adopting cutting-edge tech. It means finding smarter, simpler ways to operate, it’s about removing friction in the basics. Pay by Link turns something as simple as getting paid into a strategic advantage.

By automating how you accept and track payments, you reduce time spent on admin, simplify your accounting, and gain real-time visibility over your cash flow. That means more informed decisions, fewer late payments, and more control over your business operations, all without needing to hire a finance team or invest in expensive software.

Pay by Link isn’t just a payment method, it helps SMEs digitise part of their operations without complexity or cost, allowing them to grow, scale, and compete in a mobile-first world.

Who can use Pay by Link?

The flexibility of Pay by Link makes it useful across industries. Here are just a few examples:

• E-commerce & online retail: Offer fast, secure checkout—without needing a full webshop.
• Service-based businesses: Consultants, agencies, and freelancers use it to send payment requests after projects or sessions.
• Independent workers: Great for drivers, couriers, and freelancers who need a quick and easy way to get paid while working from anywhere.
• Non-profits & charities: Simplify donations and boost conversions with a one-click way to give.
• Education & training: Schools and platforms use it to collect fees and tuition.
• Healthcare providers: A safe, hygienic way to collect payments for consultations.
• Restaurants & delivery: A simple, contactless alternative for takeaways and deliveries.
• Artisans & market sellers: Perfect for selling directly via Instagram, at pop-ups or markets.
• Landlords & agents: Great for collecting rent and deposits without handling cash.

How does Pay by Link work?

Here’s what goes on behind the scenes to make it all feel so seamless:

• Create the link: Add the amount and details. 
• Send it: Share it via WhatsApp, email, text - whatever works best.
• Customer pays: They complete the payment using their preferred method.
• You get notified: Real-time alerts let you know when you’ve been paid.
• Money lands in your account: Fast, safe, and trackable.

What are the benefits of Pay by Link?

• Faster cash flow: No more chasing late payments.
• No tech barriers: No need for a store, app, or custom integration.
• More flexibility:You give more flexibility to your clients to pay you through Multibanco, Mbway, Visa, Mastercard and Amex. 
• Better customer experience: Smooth, mobile-friendly checkout.
• Secure by design: Compliant with PCI DSS and encrypted.

Rauva’s Pay by Link: Built for SMEs

At Rauva, we’re all about simplifying business life. That’s why we created Pay by Link: a modern, flexible, and secure way to get paid—built specifically for entrepreneurs and small businesses.

Key Features:

• Accept payments via MB WAY, Multibanco Reference, Visa, Mastercard, and American Express
• Generate payment links in seconds directly from your invoice
• Share them instantly via WhatsApp, SMS, email, or social media
• Get real-time email notifications when you get paid

What You Should Know:

• Free to activate – no setup cost
• Fees – 1% for MB WAY/Multibanco, 3% for cards (+ €0.20 fixed fee after the first 10 transactions). VAT applies to all fees.
• Applies to invoices over €50
• Links expire after 48 hours
• Payments land in your Rauva Business Account within 3 business days
• Supports international cards, but amounts shown are always in €

How we built Pay by Link: a smart, simple way to help you get paid faster

We sat down with Ruben Ventura, Senior Product Manager at Rauva, to find out how Pay by Link was brought to life and why it's such a game-changer for small businesses. His team took a simple idea and transformed it into a powerful, intuitive tool that’s already helping entrepreneurs get paid faster.

What was the problem you set out to solve?
"We discovered that many SMEs were stuck relying on manual bank transfers, which are time-consuming and limiting. Accepting other payment methods, like Multibanco or cards, was either too complicated or just not accessible to smaller businesses. Pay by Link changes that. It’s a modern, plug-and-play alternative that just works.”

How does this fit into Rauva’s bigger picture?
“Perfectly. Rauva is all about making business simpler. With Pay by Link, entrepreneurs can offer five major payment methods with just a few clicks. It gives them the agility they need to stay focused on growing their business.”

What makes Rauva’s Pay by Link different?
"We’ve taken something powerful and made it incredibly accessible. No complex integrations, no minimum volume requirements, no tech hurdles. Just activate it and start using it. And our pricing is fair and transparent: it’s the same for everyone, whether you’re sending 1 link or 100."

What was your approach to user experience?
"Simplicity first. It works like this:

• Activate the feature
• Create the payment link
• Get paid directly into your business account"

Have you seen any standout success stories so far?
"Yes, and that’s the best part. One client needed to accept payments from international customers, and Pay by Link made it easy. They could offer Visa, Mastercard, and Amex, all through one tool. Now they’re managing invoicing, expenses, and payments in one place.”

Any results that stand out?
"Just last month, one customer processed over €60,000 in payments using Pay by Link alone. And that’s just one example, we’re seeing strong traction among our users already.”

What's next?
"This is just the beginning. We’re working on features like custom payment deadlines and better link management. And soon, we’ll be launching POS and mPOS tools, so our clients can take payments in person too. We’re building the future of payments to move as fast as our customers do.The future of payments at Rauva is bright and it’s built to move fast with our customers’ needs."

FAQs: Pay by Link with Rauva

What is Rauva’s Pay by Link?
A simple way to request and receive payments through a secure, sharable link.

How does it work?
In your Rauva dashboard, select “Generate payment link,” enter the amount, and share the link via email, WhatsApp, or SMS. Your customer opens the link and pays using their preferred method.

When will I receive the money?
Once the payment is made, the funds are deposited into your business account within 3 business days.

Can I use it with international customers?
Yes. While the payment link is issued in euros, it accepts international credit cards, including Visa, Mastercard, and American Express.

Is it secure?
Yes. All payment data is encrypted and processed through certified, PCI-compliant systems—keeping both you and your customers protected.

Is there a minimum amount?
Yes, links are available for invoices of €50 or more.

Want to simplify how you get paid?
Try Pay by Link with Rauva today: it’s fast, secure, and made for the way you work.

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