# Payment Links

Generate shareable payment URLs in seconds. No code required.

## Overview

Payment Links let you create unique URLs that customers can use to pay you instantly. Share via email, SMS, social media, or QR code. Perfect for businesses without a website or for quick one-off payments.

## Key Features

### ⚡ Instant Creation

Create a payment link in under 30 seconds:
1. Enter amount and description
2. Click "Create Link"
3. Share with customer

### 💳 Multiple Payment Types

- **One-time payments**: Fixed amount
- **Variable amounts**: Customer enters amount
- **Recurring payments**: Subscriptions
- **Tips & donations**: Voluntary amounts

### 🎨 Customization

- **Branding**: Your logo and colors
- **Custom messages**: Personalized instructions
- **Multiple languages**: Auto-detect customer language
- **Mobile optimized**: Perfect on any device

### 📊 Analytics

- **Track views**: See who viewed your link
- **Payment status**: Real-time updates
- **Conversion rates**: Optimize your links
- **Export data**: Download reports

## Use Cases

### Freelancers & Consultants

- Invoice clients with payment link
- Collect deposits for projects
- Receive milestone payments
- Accept retainer fees

**Example**:
```
Freelance designer sends proposal with payment link
Client clicks link, pays deposit instantly
Project starts immediately
```

### E-commerce

- Abandoned cart recovery
- Out-of-stock pre-orders
- Custom orders
- Wholesale pricing

**Example**:
```
Customer abandons cart
Automated email with payment link sent
Customer completes purchase later
Sale recovered
```

### Services & Bookings

- Service deposits
- Consultation fees
- Class/workshop registration
- Appointment bookings

**Example**:
```
Consulting firm sends booking confirmation
Payment link for consultation fee
Client pays to secure slot
Both parties confirmed
```

### Nonprofits & Fundraising

- Donation campaigns
- Event tickets
- Membership renewals
- Peer-to-peer fundraising

**Example**:
```
Nonprofit creates fundraising campaign
Shares payment link on social media
Donors contribute instantly
Real-time progress tracking
```

### Education

- Course enrollment
- Tutoring sessions
- Workshop registration
- Material purchases

**Example**:
```
Online course creator
Payment link in email sequence
Students enroll and pay instantly
Automatic access granted
```

## How to Create a Payment Link

### Step 1: Configure Payment

```
Amount: €99.00
Currency: EUR
Description: "Consulting Session - March 2026"
Customer Email: (optional)
```

### Step 2: Customize

- Add your logo
- Choose colors
- Write custom message
- Set expiration date (optional)

### Step 3: Choose Delivery

- **Copy link**: Share manually
- **Email**: Send directly
- **SMS**: Text message
- **QR code**: Print or display

### Step 4: Monitor

- Dashboard shows all links
- Real-time payment notifications
- Automatic receipts sent
- Export to accounting

## Pricing

Payment Links included in all BANKpay+ plans.

| Plan | Links/Month | Price |
|------|-------------|-------|
| **Starter** | 50 | Free |
| **Professional** | 500 | €29/month |
| **Enterprise** | Unlimited | Custom |

**Transaction fees apply**:
- Starter: €0.25 per payment
- Professional: €0.15 per payment
- Enterprise: Custom rates

## Advanced Features

### Recurring Payments

Create subscription links:
- Weekly, monthly, or yearly
- Fixed or variable amounts
- Automatic retries
- Dunning management

**Example**:
```
Monthly membership: €49
Customer subscribes via link
Automatic monthly charges
Manage subscription in portal
```

### Multi-Use Links

Single link, multiple payments:
- Set total limit
- Track individual payments
- Reuse for multiple customers
- Deactivate anytime

**Example**:
```
Fundraising goal: €10,000
Single link shared widely
Multiple donors contribute
Progress tracked in real-time
```

### Conditional Payments

Smart payment logic:
- Early bird pricing
- Volume discounts
- Time-based offers
- Geographic pricing

**Example**:
```
Event ticket: €100
Early bird (before Feb 1): €75
Group discount (5+): €80 each
Automatic pricing applied
```

### QR Code Integration

Generate QR codes for:
- Physical stores
- Event registration
- Restaurant payments
- Invoice inserts

**Features**:
- Custom QR design
- High resolution download
- Print-ready formats
- Track scans

## Integration

### API Access

Create payment links programmatically:

```bash
POST /api/payment-links
{
  "amount": 99.00,
  "currency": "EUR",
  "description": "Product Purchase",
  "success_url": "https://yoursite.com/success",
  "cancel_url": "https://yoursite.com/cancel"
}

# Response
{
  "link_id": "pl_123",
  "url": "https://pay.bankpay.plus/pl_123",
  "qr_code": "data:image/png;base64,..."
}
```

### Webhooks

Real-time notifications:
- `payment_link.created`
- `payment_link.viewed`
- `payment.completed`
- `payment.failed`
- `payment_link.expired`

### E-commerce Plugins

- **WooCommerce**: Auto-generate payment links for orders
- **Shopify**: Payment link buttons
- **Magento**: Custom payment URLs

## Security

### Fraud Prevention

- **Link expiration**: Set validity period
- **Usage limits**: Maximum payments per link
- **Amount limits**: Cap payment amounts
- **IP restrictions**: Geographic controls

### Customer Protection

- **Secure checkout**: TLS encryption
- **Bank authentication**: SCA compliance
- **No card storage**: Bank-level security
- **Clear receipts**: Transaction documentation

## Analytics Dashboard

### Metrics Tracked

| Metric | Description |
|--------|-------------|
| **Views** | How many viewed the link |
| **Clicks** | Click-through rate |
| **Conversions** | Completed payments |
| **Revenue** | Total amount collected |
| **Time to Pay** | Average completion time |

### Reports

- Daily/weekly/monthly summaries
- Export to CSV/Excel
- Custom date ranges
- Filter by link or campaign

## Best Practices

### Creating Effective Links

1. **Clear description**: Explain what customer is paying for
2. **Professional branding**: Build trust with your brand
3. **Mobile optimization**: Test on phone before sending
4. **Follow up**: Send reminder if not paid

### Maximizing Conversion

1. **Send promptly**: Link while conversation is fresh
2. **Multiple channels**: Email + SMS + WhatsApp
3. **Clear CTA**: "Pay Now" button prominent
4. **Reduce friction**: Minimal required fields

### Security Tips

1. **Set expiration**: Links don't stay active forever
2. **Monitor usage**: Check for unexpected activity
3. **Use HTTPS**: Always share secure links
4. **Verify amounts**: Double-check before sending

## FAQ

### Can I edit a payment link after creation?

No, but you can deactivate it and create a new one.

### How long are links valid?

Default is 30 days. You can set custom expiration from 1 day to 1 year.

### Can customers pay partial amounts?

For fixed-amount links, no. For variable-amount links, yes.

### What happens if a payment fails?

Customer can retry. You receive notification of failed attempt.

### Can I refund a payment link payment?

Yes, process refunds from your dashboard or via API.

### Do payment links work internationally?

Yes, customers can pay from any SEPA country.

### Can I customize the payment page URL?

Enterprise plans support custom domains.

## Examples

### Freelancer Invoice

```
Subject: Invoice #123 - Web Design Project

Hi John,

Great working with you! Here's the invoice for the website redesign:

Amount: €2,500
Due: March 15, 2026

[Pay Now] ← Payment Link

Thanks!
```

### Event Registration

```
🎉 Tech Conference 2026

Early Bird Tickets Now Available!

€199 (regular €299)

Register now: [Payment Link]

Limited spots available!
```

### Donation Campaign

```
Help Us Reach Our Goal! 🙏

We're raising €50,000 for clean water projects.

Every donation helps:
€10 = Clean water for 1 person for a year
€50 = Water filter for a family
€100 = Community well contribution

Donate now: [Payment Link]

Thank you!
```

## Getting Started

### 1. Create Account

Sign up free at [bankpay.plus](/get-started)

### 2. Navigate to Payment Links

Dashboard → Payment Links → Create New

### 3. Configure & Share

Enter details, customize, and share your link

### 4. Get Paid

Receive instant notifications when customers pay

## Resources

### Documentation

- [Payment Links Guide](/developers/docs/payment-links)
- [API Reference](/developers/api/payment-links)
- [Integration Examples](/developers/examples)
- [Best Practices](/guides/payment-links-best-practices)

### Tools

- **Link Generator**: Create links in dashboard
- **QR Code Builder**: Custom QR codes
- **Analytics**: Track performance
- **Webhook Tester**: Debug integrations

### Support

- **Email**: support@bankpay.plus
- **Documentation**: /developers/docs
- **Community Forum**: Share tips and tricks

## Ready to Start Accepting Payments?

[**Create Your First Link**](/try) - Free account, no credit card

Or [**Contact Sales**](/contact) for enterprise solutions.

---

**Last updated**: February 28, 2026

**Questions?** Contact us at payments@bankpay.plus