Your bio link is the one clickable spot on Instagram and TikTok, so it decides whether a follower who is interested becomes a buyer. In 2027 that link has to do more than list your other links. It has to let people pay, book or sign up without leaving the page.
This guide compares six link-in-bio tools, with an eye on what matters if your audience is in Ghana, Nigeria or elsewhere in Africa: can they pay with mobile money?
Details were checked in October 2026. Prices and features change, so check each tool's own site.
Link list or link-in-bio store?
- A link list shows buttons that send people somewhere else: your YouTube, a WhatsApp chat, a Google Form.
- A link-in-bio store shows your products and lets people buy, book or sign up on the page.
Every extra step (a new site, a DM, waiting for an account number, sending a screenshot) loses buyers. If you sell anything, a store usually beats a list.
Quick comparison
| Tool | Mobile money | Sells products | Bookings | Free plan | Fee on sales |
|---|---|---|---|---|---|
| Paylead | Yes | Yes | Yes | Yes | 4% + GH₵ 1 |
| Selar | Yes | Yes | Check their site | Yes | 5% + GH₵ 1 (cedis) |
| Stan Store | No | Yes | Yes | 14-day trial | 0% platform fee, card fees apply |
| Linktree | No | Limited | No | Yes | Check their site |
| Beacons | No | Yes | Check their site | Yes | Check their site |
| WhatsApp link | Not on the link | No | No | Free | None |
1. Paylead
Best for: creators and small businesses whose buyers pay with MoMo.
Your Paylead store is your link in bio: a page with your logo, colours and products, where people can buy, book or subscribe on the spot.
- Sell digital downloads, courses, coaching calls and bookings, webinars, subscriptions and physical products, including pay on delivery.
- Payments by MTN MoMo, Telecel Cash, AirtelTigo Money, Visa or Mastercard. Digital products are delivered by email straight away.
- Collect emails from visitors who aren't ready to buy, then email them later.
- Earn more per buyer with order bumps, upsells, bundles and discount codes.
Fees: free plan. 4% + GH₵ 1 per sale, processing included, or let the buyer pay the fee. Withdrawals to MoMo or bank are GH₵ 5.
Watch out for: Paylead is built for African buyers. If almost all your followers are in the US or Europe, a Stripe-based tool may suit you better.
Make your link-in-bio store free →
2. Selar
Best for: African creators selling to buyers in many countries.
Selar is a creator store with many currencies, mobile money and an affiliate marketplace, and your store link works as a bio link.
- Fees: 5% + GH₵ 1 per cedi sale, GH₵ 15 per withdrawal.
- Watch out for: withdrawal fees add up if you cash out often. See Paylead vs Selar.
3. Stan Store
Best for: creators whose buyers are mostly in the US, UK or Europe.
Stan is one of the best-known link-in-bio stores. Its Creator plan is about $29 a month and Creator Pro about $99, with a 14-day trial and no platform fee on sales. Card processing fees still apply.
- Strengths: clean, simple, and popular with coaches and course creators.
- Watch out for: there is no free plan and no mobile money, and payouts go through Stripe or PayPal. For buyers in Ghana that is a real barrier. See Stan Store alternatives with mobile money.
4. Linktree
Best for: a simple list of links.
Linktree is the name everyone knows. The free plan gives you unlimited links, and paid plans add analytics, scheduling, branding removal and selling tools.
- Strengths: quick to set up, familiar to followers.
- Watch out for: it is mainly a link list. Selling and payments depend on the plan and on services that don't take mobile money. Prices vary by country, so check Linktree's pricing.
5. Beacons
Best for: creators who want a link page plus a media kit and brand deals.
Beacons combines a link page, a store and tools for working with brands.
- Watch out for: check which payment methods your buyers will see, and the fee on sales for your plan.
6. A WhatsApp link
Best for: sellers who close every sale in chat.
A wa.me link in your bio opens a chat with you. It is free and personal, but every sale then needs a conversation, an account number and a screenshot. Pair it with a store so people who know what they want can just buy. Read how to sell on Instagram and WhatsApp without DMs.
How to choose
- Your followers pay by MoMo: Paylead or Selar.
- Your followers pay by card in the US or Europe: Stan Store or Beacons.
- You only need a list of links: Linktree's free plan.
- You sell physical products and want pay on delivery: Paylead.
Frequently asked questions
What is the best link-in-bio tool in 2027?
For creators whose buyers are in Ghana or elsewhere in Africa, choose a link-in-bio store with mobile money, like Paylead (free plan, 4% + GH₵ 1 per sale) or Selar. For buyers who pay by card in the US or Europe, Stan Store is a popular choice.
Is Linktree free?
Linktree has a free plan with unlimited links. Paid plans add more features, and prices depend on your country.
Can I sell on my Instagram bio link with mobile money?
Yes. Put your Paylead store link in your bio, and followers can buy with MTN MoMo, Telecel Cash, AirtelTigo Money or a card.
Does a link in bio hurt your reach?
There is no clear evidence that it does. What matters is your content and giving people a reason to tap the link.
Read next: link-in-bio stores for African creators, how to make money on Instagram in Ghana and how to sell on TikTok in Ghana.
