PayLinker

PayLinker is a web + mobile app that lets small businesses send a single payment link that supports cards, ACH, and wallets, then automatically reconciles the payment to an invoice and nudges late payers. Instead of building a full invoicing platform, it plugs into what businesses already use (QuickBooks/Xero, Shopify, Stripe) and focuses on the messy last mile: payment collection, matching, and reminders. The app generates branded links, supports partial payments and tips, and provides a lightweight customer portal for receipts and payment history. It also flags likely-to-go-late invoices based on behavior signals (opened link, failed payment attempts, prior delays) and suggests the next best follow-up message. Realistically, the product lives or dies on smooth integrations and low friction—if setup takes more than 10 minutes, users will churn. Pricing should be simple: per active business plus a small per-transaction add-on.