PayLnk vs Groundfloor
A side-by-side comparison built from both listings. Blank cells mean the company has not given that detail; we never guess.
PayLnk compared with Groundfloor
| Detail | P
PayLnk | 
Groundfloor |
|---|
| What it does | UPI payment links that work inside Instagram, WhatsApp and Facebook
| Private markets investing platform offering real estate loans, notes, and emerging alternative investments
|
|---|
| Stage | Not given
| Established
|
|---|
| Founded | Not given
| 2013
|
|---|
| Based in | IN
| US
|
|---|
| Pricing model | Freemium
| Freemium
|
|---|
| Pricing | Not given
| Notes: 5%-9.0% highest return, $100-$10,000 minimum investment; Loans: 10-18% target IRR, $10 minimum investment; 12 Mo Preferred Note: 8.5% fixed rate, $10,000 minimum investment; Groundfloor Bond Note: 9.5% fixed rate, $10,000 minimum investment; Music Royalties Portfolio: 7% annualized return (12
|
|---|
| Key features | - Payment links work inside Instagram in-app browser
- QR code fallback when direct app launch fails
- Split across multiple UPI IDs
- Dashboard with reference tracking
- WhatsApp order notifications
- No signup documents required
| - Individual real estate loan selection with 10-18% target IRR
- Auto Finance Portfolio with 13.6% target net IRR for accredited investors
- Music Royalties Portfolio offering 7% fixed annualized return
- Pre-IPO Stock Finance Portfolio with 15-18% target net IRR
- Portfolio tracking and real-time performance monitoring
- Automated monthly interest payments to investors
- Mobile app for browsing and managing investments on the go
|
|---|
| What makes it different | - Money goes directly to seller's UPI ID with no intermediary holding funds
- Automatic detection of best payment route by app and phone
- No transaction fees, only flat monthly subscription
- Works without accessing buyer messages or SMS
| - 100% repayment track record on real estate-backed notes since platform inception
- First company qualified by SEC under Regulation A+ to open private real estate investing to non-accredited investors
- Over 13 years of operating history managing real estate investments since 2013
- Direct origination and underwriting rather than marketplace model
- Verified residential collateral and first- or second-lien security on every loan
|
|---|
| Free plan | Not given
| Not given
|
|---|
| Open source | Not given
| Not given
|
|---|
| Platforms | Not given
| Not given
|
|---|
| Public API | Not given
| Not given
|
|---|
| Community votes | 0 | 0 |
|---|
| DR (Domain Rating by Ahrefs) | 8 ▲ +2 (up) since last check | 49 ▲ +1 (up) since last check |
|---|
| Trust Flow (Majestic) | 0 | 19 |
|---|
| Citation Flow (Majestic) | 0 | 32 |
|---|
| Referring domains (Majestic) | 0 | 595 |
|---|
5 details filled in for both companies.
More alternatives to PayLnk More alternatives to Groundfloor