In an increasingly digital world, businesses are constantly seeking ways to simplify the payment process for their customers, especially those without a dedicated e-commerce platform. That’s where Pay by Link comes in: a flexible, secure, and user-friendly way to accept payments across virtually any channel.

What is Pay by Link?

Pay by Link is a payment method that allows businesses to generate a secure, personalised payment link that can be shared with customers via email, SMS, social media, QR codes, or even embedded in invoices. It eliminates the need for a traditional website or physical card terminal, making it ideal for businesses that operate remotely or across multiple channels and for small merchants that don’t have an e-commerce website but are still willing to process digital payments.

Why it matters

For merchants, Pay by Link offers a way to turn any interaction into a checkout experience. Whether you’re a freelancer sending invoices, a B2B service provider, a social seller, or a large enterprise with distributed sales teams, Pay by Link enables you to accept payments quickly and securely, without the need for complex integrations.

Key benefits for businesses

One of the most compelling advantages of Pay by Link is the ability to accelerate payments by removing friction from the buying process. By enabling customers to pay instantly through a secure and familiar interface, businesses can significantly reduce time-to-payment. This streamlined experience also contributes to higher conversion rates, as customers are more likely to complete their transactions when the process is quick and intuitive.

Scalability is another major benefit. Pay by Link can be easily deployed across teams, departments, or even entire regions with minimal setup, making it an ideal solution for organisations of all sizes. From a security standpoint, every transaction is protected with 3D Secure 2 and fully compliant with Strong Customer Authentication (SCA), ensuring peace of mind for both merchants and customers.

Finally, the solution is optimised for mobile devices, allowing customers to make payments on the go—whether they’re responding to an email, clicking a link in a text message, or scanning a QR code. This level of convenience enhances the overall customer experience and supports faster, more flexible payment journeys.

Real-world use cases

Pay by Link is a highly adaptable solution that meets the needs of businesses across many sectors. From hospitality to retail, it enables secure, seamless payments in just a few clicks. Below are some real-world examples of how it can be used to streamline operations and enhance the customer journey:

  • Hospitality: A hotel or guest house can send a commercial proposal with a payment link, allowing customers to review and pay at their convenience, without needing to register on a platform.
  • Retail: A local convenience store receiving a phone order can send a payment link before preparing the order, ensuring secure payment and immediate confirmation.
  • Professional services: Consultants, tutors, and therapists can send payment links after sessions, enabling clients to pay quickly and securely.
  • Social commerce: Sellers on platforms like Instagram or Facebook can share payment links directly in messages or posts, turning conversations into conversions.
  • Call centres: Agents can generate and send payment links during support calls, allowing customers to complete transactions without switching platforms.
  • B2B transactions: Businesses can include payment links in digital invoices, streamlining the payment process and improving cash flow.
  • Event bookings: Organisers can collect payments via email or SMS, removing the need for a dedicated booking system while maintaining a professional experience.
  • Debt collection: Institutions managing unpaid bills can send SMS reminders with embedded payment links, allowing customers to pay directly from their phones and reducing the risk of delayed payments.
  • In-store payments: For physical stores without a traditional payment terminal, they can simply display a QR Code on a basic phone, allowing customers to pay seamlessly with their cards and expanding payment options without additional hardware.

These examples highlight the flexibility and effectiveness of Pay by Link in supporting fast, secure, and convenient payments across a variety of business scenarios.

How PayXpert can help

At PayXpert, we’ve built a Pay by Link solution that’s designed to be as simple as it is powerful. Our platform allows merchants to generate and manage payment links directly from their dashboard or via API. The hosted payment page requires no development work and is fully optimised for mobile.

You’ll receive real-time payment notifications, enabling faster fulfilment and better customer service. And with support for processing over 30 currencies in more than 170 countries, our solution is built for businesses that want to scale: locally or globally.

Ready to simplify your payments?

Whether you’re looking to reduce operational complexity, or offer your customers a more seamless experience, Pay by Link is a smart and scalable solution.

Ready to see it in action? Watch our Pay by Link demo video to explore how this solution can simplify your payments.

To get started or speak to one of our experts, visit our contact form. We would be delighted to help you unlock your next opportunity: https://www.payxpert.com/contact/