Request payment via SMS and email
Pay-By-Links ensure secure, fraud-free payments through the customer’s banking app.
Discover how to send payment links
Are they really that great?
If you are challenged with fraud and chargebacks, payment links will be your saviour! This is because they work like a web checkout, in the sense that the customer will route through 3D Secure, hence, they will need to authorise the transaction using their mobile banking app. If you are chasing customers, or don’t like the risk of taking payments over the phone, then this one is for you!
What is a
Payment Link?
A payment link is a URL that you can send to someone via email or SMS to request a payment. When the recipient clicks on the link, they are taken to a secure webpage where they can enter their payment details and complete the transaction.
It’s a convenient way to get paid without needing a physical card reader or a complex setup. It is also, one of the most secure ways of accepting card payments in this digital world.
How does
A Payment Link work?
1. Generation
The business creates a unique payment link using their payment provider’s platform.
2. Sharing
This link is sent to the customer via email, SMS, or any other communication channel.
3. Access
The customer clicks on the link, which directs them to a secure payment page.
4. Payment
On this page, the customer can confirm whether the amount is correct and make the payment using their preferred method, such as a credit/debit card & digital wallet (Apple Pay/Google Pay)
5. Customer Authorisation
The customer will now be routed to their online banking application to authorise the transaction. The authorization then routes back to the issuing bank.
6. Confirmation
Once the payment is processed, the business and customer receives a notification confirming the transaction
Benefits
Payments online
Ease of Use
Payment links simplify the payment process. Customers can complete transactions with just a click, without needing to navigate through a complex checkout process.
Versatility:
They can be shared through various channels such as email, text messages, social media, or even QR codes. This makes them ideal for businesses without an ecommerce website or those looking to expand their sales channels.
Faster Payments
Payment links can help reduce the time between invoicing and receiving payments, improving cash flow.
Reduced Overhead Costs
Simplifies the payment process for both merchants and customers.
Enhanced Customer Experience
By providing a straightforward and secure payment method, you can reduce cart abandonment rates and improve customer satisfaction.
International Payments
Payment links can be used to accept payments from customers around the world, making them a flexible option for businesses with a global customer base.