If you've ever sent "what app do you use?" before a transaction, you've already lost the deal half the time. People who say "I don't have Venmo" don't switch apps to pay you. They just don't pay. This is how to fix that with a single link that works for every payment app at once.
The problem with five separate links
Right now your bio probably has one of these:
- Just Cash App ($yourname), you lose Venmo + PayPal + Zelle people.
- Just Venmo (@yourname), you lose Cash App + everyone else.
- "Cash App: $a / Venmo: @b / PayPal: paypal.me/c / Zelle: phone" stacked in your bio, looks like spam, eats your character limit, no one reads it.
- "DM me for payment info", adds friction, kills small impulse payments.
Every payment app you don't list is a customer who doesn't pay. Every one you DO list crowds your bio.
The fix: a single hub link
One URL, like linkpayhub.com/yourname, that opens to a clean page with every payment app you've added. Payer taps the one they already use. Zero friction.
This isn't a new idea (Linktree, Beacons, Stan all do it). But most of those tools are about everything, bio links, email signups, products. For just getting paid, they're overkill, and most charge a subscription for basic features.
What you actually want is a payment-only hub: every popular app supported, free forever, no subscription, no taking a cut of your money.
What apps the link should support
The realistic short list of payment apps people in the US use:
- Cash App ($cashtag)
- Venmo (@username)
- PayPal (paypal.me/username)
- Zelle (email or phone)
- Apple Pay (email or phone via Wallet)
- Google Pay (email or payment link)
- Bitcoin (BTC address)
- Stripe (full payment links, for invoices or one-off charges)
If your hub link supports those eight, you cover ~98% of the people who'd ever try to pay you in the US. International users (Wise, Revolut) are nice to have but not required for most use cases.
Setup in 30 seconds
Using LinkPayHub:
- Pick a username.
linkpayhub.com/yourname. Yours forever. - Paste your handles for each payment app you use. Skip the ones you don't.
- Share the link, bio, business cards, QR codes, text messages, posters.
Free. No credit card to start. The page renders identically on every phone, no app to install for the payer.
What payers see
They tap your link, the page opens to a list of just the apps you accept. They tap their app of choice, boom, the payment app opens with your username pre-filled. They enter the amount and confirm. Done.
No "create an account first." No "verify your email." No 5-step funnel. The payment apps already know who they are; we just route to them.
Where to put your hub link
- Instagram bio, single bio link, replaces "DM for Venmo."
- TikTok bio, same.
- Twitter / X bio, same.
- Email signature, for invoices and freelance work.
- Business cards / posters, pair with a QR code that points to the link (the LinkPayHub app generates one for you).
- Streaming overlays. Twitch, Kick, YouTube Live, viewers tip without leaving the stream.
- Receipts and follow-ups, if you send invoices, drop the link below the total.
Who this is for
- Beauty / barber / nail / lash artists, clients pay before walking out, every time.
- Streamers, tip jars without forcing viewers onto one app.
- Freelancers, invoices that don't bounce because the client doesn't have the app you listed.
- Tutors and coaches, recurring sessions, mixed payment preferences across students.
- Small businesses, pop-ups, food trucks, market vendors who don't want to plug in a Square.
- Mutual aid + community organizers, accept whatever app each contributor already uses.
What it doesn't do
Honest list:
- It doesn't process payments itself, the apps do that. We're just routing.
- It doesn't take a cut. The apps may have their own fees (e.g., PayPal's standard rates), we add zero on top.
- It doesn't store payment info. We never see your money. We never see your card. We're just a router.
- It doesn't replace Stripe for ecommerce, for shopping carts, abandoned-cart emails, etc., use Stripe directly. Hub link is for single payments and tips.
The ask "what app do you use" is the leak
Every time you ask, you're adding friction at the moment of payment. People drop off. The hub link removes the question entirely, payer picks the app they already have, you get paid.