Pay-by-link
Introduction
Our Pay-by-link is the ideal, completely code-free way to start offering online payment to your customers right after you have gone live.
Instead of going through the effort of setting up your own webshop infrastructure and linking it to our platform by yourself, Pay-by-link is the fastest short cut possible:
- Create payment links/QR codes with a few clicks to share with your customers for both your online/offline business
- Compatible with all available payment methods on our platform
- Leave the handling of PCI-DSS relevant sensitive data to us!
- Follow-up on the whole transaction life cycle in the Merchant Portal, no need to set up a webshop infrastructure/integration to our platform
Before you process live transactions, use our test environment. Get to know our solution without costs or any commitments involved! Once you want to go live, contact us!
Do you prefer to create payment links using our REST API directly? Refer to the dedicated chapter in our API reference for more information
Get started
To process transactions on our platform with this solution, make sure that
- You have an account on our platform
- At least one of our of our available payment methods is activated in your account. Contact us to ensure this
Are you all set? Then learn how to use our Pay-by-link in the next chapter!
Understand and create payment links
To enable your customers to pay online, you need to redirect them to a payment page at one point during the checkout process. Finally, you need to follow-up on the transaction result to know when to release the goods/services for the order.
Whereas any of our other integration modes/plugins require you to maintain your own webshop infracture and connection to our platform for the transaction flow, Pay-by-link relieves from this effort by
- Creating payment links redirecting your customers to our Hosted Checkout Page for entering their payment data
- Allowing you to create and share the payment link any time after the order, for both your online/offline business
- Providing the transaction result in the Merchant Portal for you to follow-up on the order
Check out how the full transaction flow works and what you need to do in each step.
Understand payment flow
Although Pay-by-link is built upon our Hosted Checkout Page integration mode, the flow has some unique features. Check out the individual steps of a typical payment flow:
- Your customers finalise a purchase in your (online) shop
- You create a payment link for this purchase in the Merchant Portal
- You share the payment link with your customers
- Your customers go to our Hosted Checkout Page via the payment link. They choose any of the available payment methods and enter their payment data
- We submit the actual financial transaction to the issuer/acquirer to process it. We receive the transaction result
- We redirect your customers to our status page to inform them about the transaction result. If the payment was unsuccessful, the customers can retry with another payment method
- We update the transaction result in the Merchant Portal
- You follow-up the order in the Merchant Portal: If the transaction was successful, you can deliver the goods / service
Create payment links
To create a payment link, follow these steps:
- Login to the Merchant Portal in either our test or live environment
- Go to Payment links > Generate link. Fill in the payment form as follows:
| Property | Description |
|---|---|
| Amount |
The gross amount you want to charge for this order. Use "," (comma) for decimal amounts Equivalent of property order.amountOfMoney.amount for CreateHostedCheckout requests via our API |
| Expiration date | Define for how long your customers can use the payment link Possible values: > 1 day > 7 days > 21 days > 31 days |
| Order reference | Equivalent of property order.references.merchantReference for CreateHostedCheckout requests via our API |
| Add name |
Your customer making the order. Appears in
|
- Click on "Generate link". You are redirected to the Share link displaying the result. You can now:
- Scan the QR code which will redirect you to the Hosted Checkout Page directly to enter the payment data
- Copy the full link and share it with your customers via your preferred application
- Send the link directly to your customer: Enter your customer's e-mail address in the respective field and click on Send payment link. Your customers receive a message containing the information from the form you have filled in, a "Pay now" button and a QR code leading to the Hosted Checkout Page to enter the payment data
Once you have created payment links, you can easily follow-up on the payments in the Payment requests tab.
Use e-Terminal module interface
Another convenient code-free solution for processing online transactions is our e-Terminal module.
It is an effortless way to accept payments for card-not-present situations. You simply need to receive the card details via phone or mail and enter it on a payment page.
Using the e-Terminal requires you to
- Make sure to configure the API key/secret as described in the dedicated chapter in our Authentication guide
- Meet the PCI DSS certification SAQ C-VT
- Ensure your acquirer allows you to process MO/TO transactions
- Have the feature enabled on your account. Contact us to ensure this
To use our e-Terminal interface, follow these steps:
- Login to the Merchant Portal in either our test or live environment
- Go to Payment links > e-Terminal. Fill in the payment page as follows:
| Property | Description |
|---|---|
| Amount |
The gross amount you want to charge for this order. Use "," (comma) Select the desired currency from the drop down menu. The default currency is the one set by your acquirer Equivalent of properties order.amountOfMoney.amount / order.amountOfMoney.currencyCode for requests via our API |
| Card number |
Any card brand available for the direct.eTerminal module will appear as an icon. Any card brand available for the e-Terminal module will appear as an icon. Contact us to add more brands Make sure not store this data to keep a low PCI DSS profile |
| Cardholder's name | |
| Expiry date | |
| Card verification code | |
| Merchant reference (Optional) |
Your unique reference to this order |
- Once you have completed the payment page and the information is validated, the Take payment will be enabled for you to confirm the payment
- We process the transaction and receive the result from the acquirer. We display the result to you on your screen
You can follow-up the transaction Transactions tab.
Follow-up on payments
Whenever you create a payment link, you can follow-up on the order directly in the Merchant Portal, without the need to maintain your own database, webshop infrastructure or integration to our platform.
To follow-up on orders, follow these steps:
- Login to the Merchant Portal in either our test or live environment
- Go to Payment links > Payment requests
- Look up the order in the table to check the transaction's status and/or perform actions (i.e. captures, refunds) on it:
| Property | Description |
|---|---|
| From...to... | Select a time period up of up to 18 months |
| Reference | The value for assigned for the "Order reference" when creating the payment link. Click on it to get a full overview about the order |
| Amount |
Gross amount of the transaction as defined in "Amount" when creating the payment link Equivalent of property order.amountOfMoney.amount for CreateHostedCheckout requests via our API |
| Status |
The status of the order/payment link > Active: You have created/shared the link, but your customers have not finalised the purchase on the Hosted Checkout Page yet > Paid: Order with have been succesfully authorised (statusOutput.statusCode=5). Make sure to capture them before you deliver the goods / services linked to this order > Expired: The payment link has expired according to the "Expiration date" you defined when creating the payment link > Cancelled: You have cancelled the order, rendering the payment link invalid If the order is in status "Active", you can perform actions on the order You can find all orders generated by payment links in the Transactions and perform maintenance operations on them according to their status. Find a complete overview of all possible statuses in our dedicated guide |
| Action |
Perform maintenance operations for orders in status "Active": > Cancel link: Cancel the order and thereby render the payment link invalid > Share link: Reacquire the QR code/the full payment link/Resend the link via a new e-mail address/SMS > Copy link:Copy the link to the clipboard |