Payment Links: The Easiest Way to Accept Payments

Last Updated on July 18, 2023

create payment links and accept online payment for free without website

Generating links have made our life easy. A click: that’s it! And they redirect you to the destination. Be it online meetings, websites, and whatnot! What if we can pay through links? Well, it’s possible. Thanks to the innovation of payment links. Now, you have to click on a link. That’s all it takes to pay the merchant.

Want to know more about it? Let’s start.

What are Payment Links?

While shopping on e-commerce websites, you can check out that on site itself. But it requires extensive coding. It might not be possible for a small business. And customers wouldn’t prefer downloading different mobile applications because you can’t provide a way to pay. That is where payment links come to the rescue.

As the name suggests, it is an online payment method wherein a merchant generates a request for online payment and sends it to his customers. It is similar to QR Codes. But you have to scan the code with your camera.

How do Payment Links Work?

Their working is no rocket science. The entire process is as follows:

  • Firstly, the merchant generates a payment link and shares it with the customers.
  • After receiving the link, he clicks on it. It redirects him to the payment page.
  • Here, he can make payments via different modes such as UPI, E-wallet, cards, net banking, etc.
  • Finally, the merchant and the customer get a notification regarding the transaction.

That’s it! The merchant’s efforts are limited to the generation and sharing of links. It is way less as compared to other payment methods.

Why to use Payment Links?

Payment Links are a win-win situation for both parties. It is so because they are beneficial not only for the merchants but the customers as well. Let’s discuss their advantages one by one.

Benefits to Merchants

High Security

Generating and sharing a link is backed by a secured payment gateway. The technology is such that it can handle frauds and chargebacks. So, you don’t have to worry about scams while receiving payments.


The merchant doesn’t need any external device like a POS machine or third-party app to receive payments. So, it doesn’t burn a hole in the pockets of the merchant.

What’s more, there are no maintenance or installation expenses. Hence, it is a pocket-friendly payment method.

Personalized Messages

You have to share the links to accept payments from customers. You can do it through social media or messaging platforms. So, you can add personalized messages with the link. It helps to develop business relationships with customers. Therefore, you can improve customer retention and acquisition.

Completely Flexible

The merchant has flexibility while generating the links. He can accept payments for bulk orders, and split them. He can provide the facility of EMI as well.

Tracking Payments

Besides accepting payments, they also help in tracking them. The dashboard gives a clear picture of the day-to-day operations. They also help in managing refunds and settlements.

Better Customer Experience

In the digital world, convenience has become a priority. And how can the customer pay more conveniently than these links? The transaction gets processed in an instant. And the success rates are higher as well. All of this leads to a better customer experience and more revenue. After all, revenue is the principal income for any business. 

Benefits to Customers

All of the above benefits relate to the merchant. But customers have equal benefits as well. Here they are.

No Third-Party App

Today, there is immense competition in every field. The case with the fintech industry is no different. There are many companies which are offering the application for making payments. So, the merchants collaborate with various companies as per their needs. So, you might think that you will need many apps for making payments.

But that is not the case. Thanks to payment links, you don’t need to download and sign up on different apps. As the links are shareable through messaging platforms, you can make the payments by clicking on them.

Various Payment Options

The payment links help customers to make payments via different modes. You can pay through UPI, Net Banking, cards, etc., at your convenience.


The government has made various laws related to data security which the companies have to follow. So, they provide security features to comply with the law.

But that’s not the end! You can also add extra security features like 2 Factor Authentication, biometric fingerprint, and PIN to increase security to the next level.


Flexibility again? Well, it’s different from above. The customers can make payments from anywhere. Be it homes, offices, or any other place with an internet connection.

Also, they aren’t bound by the clock. The customers can make the payment 24*7 as per their availability. All of it imbibes convenience in the transaction process.

Who can benefit from Payment Links?

Established companies have their payment pages and payment gateways. So, why would they use a cheaper alternative? That is why the target customer base for payment links is the small businesses not having sophisticated technology. Generally, payment links are the most beneficial for the following:

Businesses without a website

A website is a primary source for obtaining information about a company. But a small business not having access to technology may not have a website. In this case, payment links act as the best method to accept payments from the customers.

Online Stores

Gone are the days when we used Instagram just for sharing memes and pictures. Now, vendors can even promote their business. And the customers can shop on Instagram. So, payment links act as the best alternative to collect payments from customers. And it develops credibility and trust in the hearts of the customers.

Shopping Stores

Every business can use payment links, no matter the industry. Besides shopping stores, you can use it for insurance, education, pharmaceuticals, healthcare, and many more.


Many people are apprehensive about freelancing because they do not receive payments on time or at all. Enter payment links. They will allow clients to pay their freelancers with the click of a button, making the process effortless than ever.

Key Takeaways

Payment Links help in accepting payments with just a click. The merchant has to generate the link and share it. And he can accept payments immediately. The method is easy to use. Hence, it proves to be beneficial for both parties.

In the end, remember that Customer is King! And do not make him angry. Else, the consequences are bound to be unfavourable.

Loved the concept of payment links? Want to create one of your own? With Enalo, you can create Payment Links effortlessly. There is instant activation. And your customers can pay through various modes like Credit and Debit Cards, Net Banking, UPI, Wallets, and many more. What’s more, you can even track your payments and manage transactions and refunds. Also, you can customize it as per your business. So, what are you waiting for?

You May Also Like

About the Author: Prasuk Jain

I am an inquisitive and tenacious person with a mix of enthusiasm and a positive attitude, currently pursuing CA.