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!

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 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!

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 methods/plugins require you to maintain your own webshop infrastructure 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.

Payment flow using Merchant Portal

Although based on our Hosted Checkout Page integration method, Pay-by-link has some unique features:

1. Your customers finalise a purchase in your (online) shop.
2. You create a payment link for this purchase in the Merchant Portal.
3. You share the payment link with your customers.
4. Your customers go to our Hosted Checkout Page via the payment link. They choose one of the available payment methods and enter their payment data.
5. We submit the actual financial transaction to the issuer/acquirer to process it. We receive the transaction result.
6. We redirect your customers to our status page to inform them about the transaction result. If the payment was unsuccessful, the customers can try with another payment method.
7. We update the final transaction result in the Merchant Portal.
8. You track the order in the Merchant Portal.
9. If the transaction was successful, you can deliver the goods / service.

Payment flow using Direct PaymentLinks API

Creating a payment link using Merchant Portal is a simple and fast way to send a payment request based on the most common payment needs, the CreatePaymentLink provides more features and flexibility for more advanced needs:

1. Your customers finalise a purchase in your (online) shop.
2. You create a payment link for that purchase by sending us a CreatePaymentLink request to us.
3. You share the payment link with your customers.
4. Your customers go to our Hosted Checkout Page via the payment link. They select one of the available payment methods and enter their payment data.
5. We submit the actual financial transaction to the issuer/acquirer to process it. We receive the transaction result.
6. We redirect your customers to our status page to inform them about the transaction result. If the payment was unsuccessful, the customers can try again with another payment method.
7. We update the final transaction result on our platform.
8. You request the transaction result from our platform via GetPaymentLink or receive the result via webhooks.
9. If the transaction was successful, you can deliver the goods / services.

Additional possibilities

CreatePaymentLink endpoint provides many additional features that is based on the features supported by Hosted Checkout. Pay-by-link supports almost all features offered by Hosted Checkout Page. Merchants can customise their payment link by adding the respective properties to the request, following the instructions in the guides below. Some of these additional features supported by the API include:

• Use token for Card On File payments
• Customise payment page look and feel
  • Choose language version
  • Customise template
• Pre-select available payment methods
• Group card payment methods
• Control number of payment attempts

Create payment links

To create a payment link, follow these steps:

1. Login to the Merchant Portal in either our test or live environment.
2. Go to Create payments > 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 > 6 months Mind that once your customers have opened the Hosted Checkout Page to make the actual payment, the payment link remains valid for another three hours. This period is independent from the defined expiration date.
   Order reference	Equivalent of property order.references.merchantReference for CreateHostedCheckout requests via our API
   Add name (optional)	Your customer making the order. Appears in "Payment requests" to help you follow-up on the orders The e-mail address you can send to your customers in the subsequent step

3. 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 Share 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.

Terms & conditions Url

This feature allows you to add your Terms & Conditions (T&C) to payment links, ensuring legal transparency when transactions occur without visiting your webshop. Additionally, sharing your T&C:

• Builds trust during the checkout process.
• Enhances the user experience when sharing payment links via email or QR code.

To add the T&C URL to the payment links, follow these steps:

1. Login to the Merchant Portal in either our test or live environment. Go to Create payments > Generate link.
2. In the link creation form, enter your T&C in the field Terms & Conditions URL (Optional). Make sure the URL is valid and properly formatted.
3. Click on "Generate link". Once your customers use the link, the Hosted Checkout Page will contain the T&C link. For your convenience, the field will be pre-filled with the last used T&C URL for every new payment link.

The T&C link you have configured for every payment link will also be added to Pay-by-link e-mails sent to your customers.

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 Create payments > 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