Definition
A payment link is a secure URL generated by a merchant or payment provider that allows customers to pay remotely via SMS, email, messaging apps, or social media. It enables fast, contactless payments without requiring a website or POS.
How this works
The merchant generates a unique payment link through their dashboard or API. The link is sent to the customer, who clicks it, enters payment details, and authorizes the transaction. Once completed, the payment is processed and the merchant receives a confirmation along with settlement details.
Benefits
• Quick and easy payments for remote or offline customers
• Works across devices and platforms without a website
• Secure transactions using encryption and tokenization
• Supports multiple payment methods including cards, UPI, wallets, and BNPL
• Reduces operational costs by avoiding physical payment setups
FAQs
Q1. Can payment links be used for recurring payments?
Yes. Payment links can be generated for subscriptions or recurring billing using auto-renew or auto-pay features.
Q2. Are payment links secure?
Yes. Payment links use encryption, tokenization, and secure endpoints to protect payment and personal data.
Q3. How are payment links delivered to customers?
Payment links can be sent via email, SMS, WhatsApp, social media, or messaging platforms depending on the merchant’s workflow.
Q4. Can customers pay using multiple payment methods via a single link?
Yes. Payment links often support cards, UPI, wallets, and BNPL options on the same link.
Q5. Can payment links be integrated with business systems?
Yes. Payment links can be integrated via APIs for automated invoicing, CRM updates, and reconciliation workflows.