Prommt Alternatives for Platforms and Merchant Payment Collection

Why Businesses Look for Prommt Alternatives

Prommt is a payment request platform built for enterprise merchants — particularly car dealerships, hotels, and luxury retail. It does payment links and Pay by Bank well, especially for high-value transactions across European markets.

But it's not right for every business. The most common reasons companies look elsewhere:

Pricing

Prommt's published entry price is €299/month with a sales-led onboarding process. For mid-market and enterprise merchants processing high-value transactions, the commercial model is designed with that profile in mind. For smaller businesses, teams adding payment collection as one feature among many, or platforms evaluating per-merchant costs, the commercial model may not match — worth comparing against alternatives with different pricing structures.

No Voice Payment Capture

Prommt's approach to phone payments is to send a link during the call — the customer opens it on their own device and completes payment digitally. This is a valid design choice that some merchants prefer for simplicity. Shuttle takes a different approach: capturing the payment during the call itself, via keypad entry (DTMF) with tone masking so the agent never hears the card number. Which model fits best depends on the use case. For agent-led calls in verticals like insurance renewals, debt collection, or hotel reservations, in-call capture typically keeps the conversation flow intact; for lightweight scenarios where the customer is already holding their phone, a link-based handoff can be simpler.

Single-Merchant Architecture

Prommt is designed for individual merchants. Each business gets its own account and dashboard. For platforms, BPOs, and SaaS companies that need to embed payments for hundreds of merchants — each with their own PSP, branding, and payment configuration — Prommt doesn't offer multi-tenant architecture.

Gateway Dependency

Prommt creates checkout pages that route to the merchant's existing payment gateway. It doesn't provide PSP flexibility itself. For businesses wanting to switch gateways, use multiple PSPs, or route transactions by region — Prommt adds a checkout layer but doesn't solve the underlying PSP question.

Geographic Limits on Pay by Bank

Prommt's open banking coverage spans multiple European countries via Token.io. Outside those markets, Pay by Bank isn't available on their platform — leaving cards as the primary payment method for those customers. Businesses with a customer base in the US, Asia-Pacific, or outside Prommt's European footprint will want to evaluate providers with coverage matched to those markets.

The Alternatives

1. Shuttle

What it is: A payment layer for platforms and merchants — supporting payment links, voice checkout, open banking, and 40+ PSPs through a single integration.

Payment methods: Cards (40+ PSPs), Pay by Bank (UK), ACH (US), BACS (UK), Apple Pay, Google Pay, PayPal, BNPL (Klarna, Affirm via supported PSPs).

Strengths:

• **Voice checkout** — PCI-compliant DTMF capture during phone calls. The agent stays on the line, card tones are masked. No link-sending mid-call. See voice payments

• 40+ PSPs — merchant chooses their gateway, or the platform configures optimal PSP per merchant/region

• Multi-merchant architecture — built for platforms, BPOs, and SaaS companies serving many merchants from one integration

• Pricing — $49/user/month for payment links, $0.20/transaction for voice checkout. Significantly lower entry point than Prommt

• White-label — checkout pages, merchant portal, and onboarding fully branded as your business

• Open banking + cards + wallets on the same checkout page — customer chooses

• PCI DSS Level 1 + ISO 27001 + SOC 2 — broadest compliance certification set

Limitations:

• Open banking currently UK-only (Prommt covers 14 European countries)

• No automated chase paths with payment method fallback (configurable reminders available)

• No native Oracle OPERA or automotive DMS integrations (API + Zapier/Make.com connectors available)

Best for: Platforms embedding payments, BPOs handling multi-client payments, businesses that need voice + links from one provider, merchants wanting lower pricing with broader payment method support.

**Pricing:** From $49/user/month (links) or $0.20/transaction (voice). See full Shuttle vs Prommt comparison.

2. Stripe Payment Links

What it is: Free payment links from Stripe — create a checkout page and share the URL.

Strengths:

• Free to create (standard Stripe processing fees apply)

• Apple Pay and Google Pay supported

• Embeddable in websites and emails

• Strong developer ecosystem

Limitations:

• Stripe-branded checkout (not white-label)

• No SMS or WhatsApp delivery built in

• Stripe-only — can't use other PSPs

• No voice payment capture

• No open banking / Pay by Bank

• Limited customisation and branding

Best for: Businesses already on Stripe that need a quick, free payment link with no additional platform cost.

Pricing: Free (Stripe processing fees: 1.5% + 20p UK cards).

3. SOTpay

What it is: A UK-based secure payment solution for phone and digital payments — positions directly against Prommt.

Strengths:

• Agent-assisted phone payments (card capture via secure web form)

• Lower pricing than Prommt

• UK-focused with strong SME positioning

• PCI DSS compliant

Limitations:

• UK-focused positioning

• No open banking / Pay by Bank

• Payment method coverage focused on cards

• No multi-PSP routing

Best for: UK SMEs that need secure phone payment capture at a lower price point than Prommt, without requiring open banking or multi-PSP support.

Pricing: From £30/month per user.

4. GoCardless

What it is: Direct debit and open banking payment platform — strong for recurring and bank-to-bank payments.

Strengths:

• Excellent for recurring payments (direct debit)

• Broadest open banking coverage (UK, EU, US, Australia via Instant Bank Pay)

• Low transaction fees for bank payments

• Strong API and integration ecosystem (300+ partners)

Limitations:

• No card payments — bank-only

• No payment links in the traditional sense (no card checkout)

• No voice payment capture

• Not suitable for one-off, card-based payment requests

• No white-label option

Best for: Businesses focused on recurring payments and direct debit, or those wanting the broadest open banking coverage for bank-to-bank transfers. Not a like-for-like Prommt replacement.

Pricing: Success+ model (variable fee based on payment recovery) or fixed fees from 1% + 20p.

5. Adyen Pay by Link

What it is: Adyen's payment link product, available to Adyen merchants and platforms using Adyen for Platforms.

Strengths:

• Strong international coverage — Adyen supports 250+ payment methods across markets

• Integrated with Adyen's risk and fraud tools

• Available through Adyen for Platforms for multi-merchant setups

• Supports Open Banking in select markets

Limitations:

• Adyen-only — all transactions must process through Adyen. No multi-PSP support

• Enterprise-focused onboarding — not as fast to set up as Stripe

• White-labelling is limited compared to dedicated payment link platforms

• No voice payment channel

Best for: Enterprise merchants or platforms already using Adyen.

Pricing: Custom (enterprise negotiated).

6. PayPal Payment Links

What it is: Shareable payment links through PayPal's ecosystem.

Strengths:

• Free to create

• Massive consumer recognition and trust

• PayPal balance, cards, and BNPL (Pay in 3) accepted

• Instant setup, no approval needed

Limitations:

• PayPal-branded experience (not your brand)

• Higher fees than most alternatives (2.9% + 30p)

• No open banking

• No voice payments

• No SMS/WhatsApp delivery built in

Best for: Freelancers, small businesses, and sole traders who want to collect payments with zero setup.

Pricing: Free (PayPal processing fees: 2.9% + 30p).

Comparison Matrix

Making the Decision

Stay with Prommt if:

• You're in automotive, hospitality, or luxury retail and Prommt's vertical integrations (OPERA, DMS) are critical

• You need Pay by Bank across multiple European countries, not just the UK

• Chase paths with payment method fallback are essential to your credit control workflow

• The €299/month cost is justified by your transaction volume and card fee savings

Move to Shuttle if:

• You need voice payment capture, not just payment links

• You're a platform, BPO, or SaaS company serving multiple merchants

• $49/month matters more than €299/month for your business

• You want Apple Pay, Google Pay, and BNPL alongside cards and open banking

• You need 40+ PSP options, not just your current gateway

• White-label branding (checkout, portal, onboarding) is important

Consider GoCardless if:

• Recurring payments are your primary need

• You want the broadest open banking coverage globally

• You don't need card payments or one-off payment links

Consider Stripe/Adyen Links if:

• You're already on Stripe or Adyen and want free/included payment links

• Branding and multi-channel delivery aren't important

• You don't need open banking or voice payments

FAQ

Is Prommt good for small businesses?

Prommt starts at €299/month with no free trial or self-service onboarding. It's designed for mid-market and enterprise merchants processing high-value transactions. For smaller businesses, alternatives like Shuttle ($49/month), SOTpay (£30/month), or free options (Stripe Links, PayPal) offer better value.

Which alternative has the best open banking coverage?

GoCardless has the broadest open banking coverage (UK, EU, US, Australia) but doesn't support card payments. Prommt covers 14 European countries. Shuttle currently supports UK open banking. For European-wide Pay by Bank with cards, Prommt leads. For UK open banking plus cards plus voice, Shuttle leads.

Can any of these alternatives capture payments over the phone?

Shuttle is the only option with PCI-compliant voice checkout — DTMF capture during the call with tone masking. SOTpay offers secure web-form phone payments (the agent opens a form, the customer enters details). Prommt, Stripe, GoCardless, Adyen, and PayPal don't offer phone payment capture.

What's the cheapest Prommt alternative?

Stripe Payment Links and PayPal.Me are free (processing fees apply). SOTpay starts at £30/user/month. Shuttle starts at $49/user/month. All are significantly cheaper than Prommt's €299/month starting price.

Can I migrate from Prommt to Shuttle?

Yes. If your merchants' PSPs are among Shuttle's 40+ supported gateways, migration involves configuring the same gateway through Shuttle. No PSP change needed. Payment links can be switched over progressively — no big-bang migration required.

Does Shuttle support the same verticals as Prommt?

Shuttle doesn't have pre-built DMS or OPERA integrations like Prommt. But it supports the same payment use cases — car dealership deposits, hotel pre-payments, builders merchant collections — through payment links, voice checkout, and open banking. Integration with vertical systems is handled via API and workflow connectors (Zapier, Make.com).

Related Reading

• Shuttle vs Prommt — detailed head-to-head comparison

• Payment Links for Car Dealerships — automotive payment collection with links, voice, and open banking

• Builders Merchant Payment Collection — payment links for trade suppliers

• How to Send Payment Requests — the complete guide to digital payment collection

• Best Payment Link Providers (2026) — ranked comparison of all payment link services

• PCI-Compliant Payments for Contact Centres — voice payment capture for phone-based businesses

• Voice Payments — PCI-compliant phone payment collection

• PSP-Neutral vs Single-PSP — why multi-PSP flexibility matters

• How Platforms Monetise Payments — the revenue opportunity in embedded payment links

• White-Label Payment Links for Platforms — branded payment pages for multi-merchant use cases

Looking for a Prommt alternative?

Shuttle gives you payment links, voice checkout, open banking, and 40+ PSPs — with white-label branding and multi-merchant architecture. From $49/month.

See Payment Links | See Voice Checkout | Book a Demo