Pay By Link

Another way to accept secure online payments
January 26, 2022 | Expertise

As an eCommerce to stay competitive in today’s online markets, making payments should be convenient, secure, and quick. The way we pay has evolved from cash to cards to a plethora of digital payments. Each development is more convenient, advanced, and secure than before. A method that is gaining in popularity is payment links.

What are payment links?

Payment links are when the consumer can pay for their purchases using a link that is sent via email. A payment link is a URL or QR code that takes customers to a stand-alone web page. When a customer clicks on the link, they are sent to a simple checkout page where they can complete the transaction. 

A variety of payment methods can be used for pay by link transactions. The link or QR code will take the customer to a web page that will allow them to pay using their chosen method. Payment pages can also be branded so that customers feel secure when completing the transaction.

How can payment links be used?


Email is incredibly helpful for digital invoicing. This can be used across multiple sectors, both online and offline. For example, a customer can book a haircut online, and once the appointment is finished, the hairdresser can send the payment link to the customer for them to complete payment. It is also popular across the hospitality industry.

Payment links are also a great tool for upselling products. Merchants can use them to help reduce shop cart abandonment. Using the link, the customer can be taken directly to the checkout via their email.

Chatbots and Messengers:

By using payment links in chatbots and messenger apps, customer service agents and automated systems can comply with PSD2 standards whilst maintaining contact with their customers. This improves the customer experience, payment conversions, and reduces payment fraud. 

Online Lives:

With lifestyle becoming more connected, consumers have more opportunities to buy goods and services. Social channels are now augmenting their purchasing experience. This can be done by adding payment links to images, reducing the payment steps for the consumer and the risk of shop-cart abandonment.


Recurring billing models can use payment links to allow payments on a monthly bi-weekly or any frequency basis. This service is helpful when the amount changes and also allows the user to choose the payment method that suits them, instead of relying on direct debit. 

One-off Payments:

Payment links and QR codes are being used by charities and other organizations to allow people to make quick one-off payments with ease.

Buy Now, Pay Later:

Many BNPL schemes send payment links to remind customers to pay. This keeps consumers on top of their payments and stops them from falling into arrears. 

Pay By Link

Pay By Link - A secure way to accept online payment
Pay By Link with IXOPAY's Payment Orchestration Platform

What are the benefits of pay by link?


Pay by link is a secure way for customers to make payment. With personalized email templates complete with company branding, users will feel comfortable to complete transactions.   

Simple way for your customers to pay:

When using a payment link, customers can choose from a broad range of payment methods and currencies.  Customers who have previously provided payment information to you, the page will be pre-populated with billing and shipping information. Payment links are optmized for mobile payments, so they are good for on the go purchases. 

Cross-border payments:

As mentioned, pay by link lets customers choose how they want to pay – depending on the configuration and options provided by the merchant. By using a leading payment orchestration platform, like IXOPAY, merchants can reach new markets and easily accept multiple currencies.  

Easy to collect payments:

Pay by link is easy to use and easy to monitor. Check payment status in real time and monitor activity on the IXOPAY dynamic dashboard.

IXOPAY is a leading payment orchestration platform that can connect its users to over 140 payment service providers and over 200 international, local, and alternative payment methods. Check out the list of available connections here.  Find out what else a payment orchestration platform can do for your business and get your payment stack in the shape here.

Interested in upgrading your payments?

Book your tech demo now!



IXOPAY is a payments orchestration platform enabling independent, flexible and global payment processing. As a highly scalable and PCI-DSS certified “fintech enabler”, IXOPAY fulfills the needs of large merchants as well as those of “white label” clients: payment service providers (PSPs), acquirers and independent sales organizations (ISOs). The modern, easily extendable architecture offers smart transaction routing & cascading, state-of-the-art risk & fraud management, fully automated reconciliation and settlements processing, comprehensive reporting as well as plugin-based integration of acquirers, payment service providers and alternative payment methods (APMs).

IXOPAY is part of the IXOLIT Group, founded in Vienna, Austria in 2001. With local entities in Austria and the USA, IXOLIT supports national and international customers across various industry verticals. The owner-led and -financed company has grown from 2 to more than 80 employees and is focused on building innovative solutions for eCommerce.

Please find more information about IXOPAY here:

You may also be interested in: