Create a payment link

With the payment link feature, you can record incoming payments in no time. Create online payment links in just a few clicks directly in your Vivid Business account and let your customers pay conveniently and securely via link.

Trustpilot: Excellent! | 25,000+ reviews

hero

  • Celebrating excellence

    Some of our latest achievements and recognitions

  • Best Business Account 2026

    Best Business Account 2026

    Finanzfluss.de

  • Highest Interest Rate for Business 2026

    Highest Interest Rate for Business 2026

    FĂĽr-GrĂĽnder.de

  • No. 1 Business Investment Account 2026

    No. 1 Business Investment Account 2026

    Geschaeftskonten24.net

  • Top Mobile Banking 2025

    Top Mobile Banking 2025

    Handelsblatt.com

Create payment links step by step

1

Open a business account

Register your company in just 10 minutes with zero paperwork. After verification, you get access to a fully functional, free account.

2

Create payment links for free

Choose the amount to be paid and the destination account. Decide whether it should be a one-time or reusable payment link. Share it as a link or QR code.

3

Receive payments

Payment links take customers to a clear checkout form. They pay by card or digital wallet. You can track your current revenue on your merchant account.

Maximum flexibility with the highest security

  • No coding skills needed

    Create a payment link directly via your Vivid Business app and share it with customers. They are taken to a secure payment form and can check out. This way, you are ready to go even without a website.

  • Generate revenue online and in person

    Send the payment link via digital channels or share it as a QR code with customers on site. Payments can be made by card, Google Pay, Apple Pay or Samsung Pay - whether on desktop or smartphone.

  • Encrypted data transmission

    Payment links lead to a secure form that encrypts all personal details and card data. This lets your customers pay via link with peace of mind, while you can track all revenue through your merchant account.

Offer familiar ways to pay online or in-store for a quick, easy checkout

Diners Club InternationalDiscover

Wide range of payment options - happy customers

Boost your revenue by offering your customers and partners additional payment methods beyond the link to pay for products and services.

QR codes

With the Vivid Business app, you can create payment links as QR codes. Print them out for your customers or share them via email or SMS. Set an amount per payment link or create a general QR code for your business where customers choose the amount themselves.

Website plugins

Vivid has developed a simple plugin that lets you integrate payment options on websites. It is supported by the most popular content management systems and enables payment processing in just a few clicks - without a complex online shop.

Invoices

In your Vivid Business account, you can create error-free invoices in e-invoicing format. These come with a QR code for online payments - so you no longer have to wait for manual bank transfers and can even send payment reminders.

Why businesses, freelancers and organisations trust Vivid

Excellent! | 25,000+ reviews
5.0
Recommended for freelancers and business owners

So far my experience with Vivid has been great. From the customer service, the account opening, and the digital experience, I haven't had any issues with Vivid. I can only recommend it!

Erick Daniel, Germany
Trustpilot
5.0
I chose Vivid.Money

I chose Vivid.Money because it allows me to manage accounts for all my businesses in one place. Compared to other online banking systems I’ve tried, it offers the best value for money. For one of my businesses, I upgraded to the Pro account—it gives me access to real human support and the highest interest rates I’ve seen on the market. While their regular customer service is already solid, having the option to speak directly with someone was essential for me to build trust. Beyond the practical benefits, I genuinely appreciate how Vivid.Money supports my financial awareness. It’s a service I enjoy using and one that makes me more financially conscious day by day.

Lorand Balazs Imre, Germany
Trustpilot
4.0
Super quick Business account creation

I’d give 4.5 stars as my experience with Vivid has been great, but there is always room for improvement. Especially setting up the business account was so easy and fast, this really struck me. The new feature with E-invoicing is also quite useful but needs some more work with additional fields (e.g. my own tax ID). Looking forward trying more the cashback programs.

Eric, Germany
Trustpilot
5.0
I really love Vivid Bank

I really love Vivid Bank. Really easy to sign up. I love the fact I can have different space with different account numbers where I can transfer money to. The business account has a great interest rate and most important, the costumer support is excellent, something rare these days. Kudos to you and keep up with the good work!

Shaqueera Grey, Spain
Trustpilot
5.0
Very fast and good

Very fast approval, IBAN with connection to DATEV Unternehmen Online and VISA card within 2 days. Works perferct

Mark, Germany
Trustpilot
5.0
Best business banking platform in Europe

The experience with vivid is super smooth and the terms are great!

Marcel, Germany
Trustpilot
Open a business account
Country
Business type
Legal entity type
Please review our website to understand the scope of our services and our Privacy notice for the use and handling of your data.

All-in-one financial management

Forget about costly subscriptions. Get all the tools your business needs in one place — no extra cost, no hassle.

Interest Account

Interest Account

Earn 5% fixed annual interest* on uninvested cash. Your money grows while staying available at all times.

Unlimited Card Spending

Unlimited Card Spending

Issue a card for every team member, claim guaranteed cashback and make payments for IT & Ads services without worrying about limits.

Cards & Cashback

Cards & Cashback

Start cutting costs with up to 10% monthly cashback on the team’s card purchases at Google Ads, Amazon and others.

Invoicing

Invoicing

Issue comprehensive invoices, track what's owed and send reminders.

Integrations

Integrations

Streamline all your money management by connecting with powerful accounting tools and financial applications.

Business Travel

Business Travel

The first tool to let you search, book and pay for hotels directly from your account â€” including up to 30% travel cashback!

Crypto Earn Account

Crypto Earn Account

Earn up to 8% Annual Percentage Yield on selected crypto assets and withdraw earnings instantly.

Plans built for every business

Monthly
Annual
Save up to 24%

Optimal for growing companies with high activity and advanced needs — built to keep fast teams in sync

  • Free Start

    Suited for newly registered companies setting up finances and looking to try key banking features for free

    0 € / month
    Free of charge at all times
    Get started
    • Accounts & Interest
      • Free accounts with unique IBANs
        Unlimited
      • Initial fixed interest rate p.a.*
        4%
      • Fixed interest rate p.a. after 4 months*
        0,1%
      • Initial fixed interest rate p.a., USD/GBP*
        5%
      • Fixed interest rate p.a. after 5 months, USD/GBP*
        0,2%
    • Cards & Cashback
      • Guaranteed unlimited cashback
        0,1%
      • Cashback on selected categories and brands, up to
        2%
      • Virtual and physical cards
        Free
      • Card spending limits for ads & IT services
        Unlimited
    • Transfers
      • SEPA Instant
        Free
      • Incoming SWIFT
        Free
      • Outgoing SWIFT
        5 €
    • Support
      • 24/7 human support
        Yes

  • Basic

    Great fit for small businesses with steady transactions needing reliable everyday banking at a low cost

    6,9 € / month
    2 months free trial
    Get started
    • Accounts & Interest
      • Free accounts with unique IBANs
        Unlimited
      • Initial fixed interest rate p.a.*
        4%
      • Fixed interest rate p.a. after 4 months*
        0,5%
      • Initial fixed interest rate p.a., USD/GBP*
        5%
      • Fixed interest rate p.a. after 5 months, USD/GBP*
        1%
    • Cards & Cashback
      • Guaranteed unlimited cashback
        0,2%
      • Cashback on selected categories and brands, up to
        4%
      • Virtual and physical cards
        Free
      • Card spending limits for ads & IT services
        Unlimited
    • Transfers
      • SEPA Instant
        Free
      • Incoming SWIFT
        Free
      • Outgoing SWIFT
        5 free per month, then 5 â‚¬
    • Support
      • 24/7 human support
        Yes

  • Pro

    Optimal for growing companies with high activity and advanced needs — built to keep fast teams in sync

    18,9 € / month
    2 months free trial
    Get started
    • Accounts & Interest
      • Free accounts with unique IBANs
        Unlimited
      • Initial fixed interest rate p.a.*
        4%
      • Fixed interest rate p.a. after 4 months*
        1,3%
      • Initial fixed interest rate p.a., USD/GBP*
        5%
      • Fixed interest rate p.a. after 5 months, USD/GBP*
        2%
    • Cards & Cashback
      • Guaranteed unlimited cashback
        0,5%
      • Cashback on selected categories and brands, up to
        6%
      • Virtual and physical cards
        Free
      • Card spending limits for ads & IT services
        Unlimited
    • Transfers
      • SEPA Instant
        Free
      • Incoming SWIFT
        Free
      • Outgoing SWIFT
        10 free per month, then 5 â‚¬
    • Support
      • 24/7 human support
        Yes
Features you get on every plan
  • Invoicing
    Free
  • Document uploads for bookkeeping (on every paid plan)
    Unlimited
  • Integrations (sevDesk, Lexware Office, DATEV, ...)
    Free
  • Business travel cashback up to
    30%
  • Crypto Earn rewards up to
    8% APY
  • Fee for receiving card payments from clients (EEA cards), from
    0,79% (+0,25 â‚¬)
  • Business Brokerage (stocks, ETFs, crypto)
    Free
  • Digital employees (personal and legal AI assistants)
    Free
Compare all features

Payment link FAQ

  • What is a payment link?

    A payment link is a unique link that lets customers make a payment online or in person via a smartphone - without you needing a card reader or a complex online shop.

    Here is how it works:
    1. You create a link with a fixed or flexible amount.
    2. You share the link with customers (e.g. via WhatsApp, email or QR code in store).
    3. Customers can pay via the link - directly online with the payment method of their choice.

    Payment links are especially handy for remote payments, spontaneous sales or services without a dedicated online shop.
  • Once you have opened a business account with Vivid Business, you can apply to activate card payments by providing the required details about your company. As soon as card payment acceptance is approved for your account, you can create and share payment links in just a few clicks via the desktop app or mobile app. Learn more about receiving card payments in our Help Centre.
  • When you create a payment link via Vivid Business, your customers can pay with all common debit and credit cards - including girocard, Visa, Mastercard, American Express, Diners Club, Discover and JCB. Apple Pay, Google Pay and Samsung Pay are also accepted.
  • In the Vivid app, you will find a button to share the payment link. You can choose whether to send the link URL or a QR code. The payment form opens directly in the browser - no customer account is needed. For B2B payments via invoice, payment links can also be added to invoices and the payment request sent by email.
  • Not entirely. You can create as many payment links as you need for free. However, for each transaction processed via a payment link, we charge a fee depending on the account plan. This is listed transparently in the pricing table and starts at just 0.79% + €0.25 per transaction. With the additional revenue from payment links, these low fees should be easy to offset.
  • Payments via payment links are protected by Vivid's modern security standards. These include:
    • encrypted data transmission (SSL)
    • secure payment processing
    • 3D Secure and additional verification methods

    This ensures that both your business data and your customers' data are protected.
  • In the payment links overview, you will find all completed payment links listed per month under "Completed". Payments via payment links are also shown in your merchant account under "Reserves". Once the payment is fully processed, the amount is transferred to the payout balance.
  • Yes. When creating a payment link, you can set whether a link is reusable. This is especially handy when different customers need to pay the same amount via link. Active payment links can also be paused and reactivated.
  • With payment links, you can process payments securely online without having an online shop. Online payment links can be easily created via the Vivid Business app and take customers to a simple checkout form. In addition, Vivid Business offers website plugins for popular content management systems that let you set up a payment section on your own website. If you want to keep track of inventory as well as revenue, it is probably worth setting up an online shop with a checkout page.