A Payment Link is a secure checkout link you create in the Jim app for a specific sale amount. Share it by text, email, Instagram, WhatsApp, or any messaging app.
Your customer opens the link, pays with their card or digital wallet, and the money lands in your Jim balance in seconds.
Use a Payment Link when you are not face to face: remote orders, deposits before an appointment, customers without a contactless card, or anytime Tap to Pay is not the right fit. For the full Tap vs Link overview, see How can I sell using Jim?.
What you need before you start
The Jim app on an iPhone or Android phone (up to date)
A Jim account with an approved seller profile
A data connection
Your customer does not need the Jim app. Minimum sale amount is $1.
Create and share a Payment Link
Open the Jim app.
On Sell, enter the sale amount ($1 minimum).
Choose Payment Link.
Set any options you need (fees, tip, sales tax, description, link reuse). See below.
Check the total and what you will receive, then tap Charge.
Share the link (or copy it) by text, email, DM, or any messaging app.
When the link is ready, share it wherever your customer already talks to you.
Current sale options for Payment Link
Before you tap Charge, configure the sale on the Current sale sheet. Totals update as you change settings.
Transfer fees to customer (fee pass-through)
You choose who covers the processing fee on each sale. Turn Transfer fees to customer on or off anytime before you Charge:
On: Jim adjusts the total so your customer covers the fee. You keep closer to the amount you entered.
Off: Your customer sees the price you entered. The fee comes out of your payout.
Always check the amount being charged and what you will receive before you Charge. Once the customer pays, that fee choice is locked for that sale. For more detail, see How do I use fee pass-through in Jim.
Add sales tax
Use Add sales tax on the Current amount when you need tax on that charge. Confirm the updated total before you Charge.
Add a description
Add a short note to the sale (for example, "Deposit for Saturday detail"). It can show on the receipt and in your sales history, and it helps your customer recognize the charge on the checkout page.
Allow link reuse
Turn on Allow link reuse if you want the same link to work for more than one payment (useful for a fixed-price service you sell often). Leave it off for a one-time link.
Add a tip
Turn on Add a tip when you want to invite a tip on that Payment Link sale. Your customer can pick a suggested amount, enter a custom tip, or skip.
The tip is added to the same transaction. There is no extra tipping fee. The Payment Link rate (4.99% + $0.30) applies to the total, including tip.
You can also adjust tip preferences in the app so suggested amounts match how you work.
Fees and who pays them
How you sell / move money | Fee |
Payment Link / Website / Booking (online) | 4.99% + $0.30 per sale |
Tap to Pay (in person) | 1.99% per sale |
Jim Card | Free |
Same Day ACH to your bank | 1.99% + $0.99 per transfer ($15 minimum) |
No monthly fee to use Jim. You only pay when you sell (or when you cash out by ACH).
With Transfer fees to customer on, your customer covers the processing fee in the total. With it off, you absorb the fee from your payout. Website and Booking online checkouts use the same remote rate (4.99% + $0.30).
How your customer pays
When your customer opens the link, they see a secure checkout page with your business name, the sale amount, and any description you added. They do not need to download Jim.
They can:
Pay with a digital wallet: Apple Pay, Google Pay, or Samsung Pay (when available on their device)
Or enter card details: card number, expiration date, CVV, name on card, billing address, and email
Accepted card networks for Payment Link: Visa, Mastercard, American Express, Discover, and JCB. Wallet checkout is often faster for your customer and is also accepted.
3D Secure (extra bank verification)
For some card payments, the customer's bank may ask for an extra verification step. That is 3D Secure (3DS). It helps confirm the person paying is the cardholder and protects both of you from fraud.
What usually happens:
Your customer enters their card details on checkout.
If the bank wants extra security, it sends a verification request.
Your customer confirms (SMS or messaging one-time code, bank app notification, biometric, or a pre-set online-payments password).
If verification succeeds, the payment continues. If it fails, the payment can be declined.
Not every payment triggers 3DS. The bank decides based on risk signals. Customers paying with a wallet like Apple Pay or Google Pay may skip this step.
If a customer is stuck on verification, ask them to check their bank notification or app, keep a stable internet connection, and try again with an unlocked card. For a deeper walkthrough, see How does 3DS verification work in online payments?.
Where your money goes
Payment Link sales land in the same place as Tap to Pay: your Jim balance, in seconds.
Spend with the Jim Card (free).
Add your virtual Visa prepaid card to Apple Wallet or Google Wallet and tap to pay anywhere those wallets are accepted, or use the card details online anywhere Visa is accepted.
More in How can I use my balance with Jim?.
Move it to your bank with Same Day ACH (optional).
1.99% + $0.99 per transfer, $15 minimum.
Same business day if you send it during business hours.
You do not need a bank account to use Jim.
For the full sell overview (Tap, Link, limits, and when to use each), see How can I sell using Jim?.
Troubleshooting
Payment declined
Every sale goes through an automatic security review. If something looks unusual, the sale can be declined. You cannot appeal a decline. Ask your customer to try again, use another card, or pay with Apple Pay / Google Pay / Samsung Pay.3DS failed or timed out
Have your customer approve the bank prompt, check signal/Wi‑Fi, unlock the card for online use if needed, and retry. Details: How does 3DS verification work in online payments?.Customer has no contactless card for Tap to Pay
Payment Link is the path. They enter card details (or use a wallet) on Jim's secure checkout page.Customer never got the link
Resend it, or copy the link and paste it into another channel. Confirm they open the full URL in a browser.Wrong amount or fee choice
You cannot change fee pass-through after the customer pays. Create a new link with the corrected amount and settings. Cancel the prior sale from your statement when cancel is available.Need internet?
Yes. Jim needs Wi‑Fi or cell data to create the link and to process the payment.
Need more help?
Human support is available Monday to Friday, 9am–5pm EST.
Chat: in the app
Phone: +1 833 315 2573
Email: help@jim.com
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