Payment Links: Pay Online Without a Full-Fledged Web Store

Payment links are convenient for businesses that want to accept digital payments but don’t need a full product catalog or checkout process. Examples include a deposit for a reservation, a phone order, a repair, a service, a delivery, or an outstanding balance.

Online payments that inspire confidence and are properly tracked

How does a payment link work?

In your payment provider’s portal or app, you create a payment request with the amount, description, and, if applicable, due date. The customer receives a unique link via email, text message, in-app message, or QR code and makes the payment on the secure payment page.

After payment, the provider displays a status and a report. The specific features, payment methods, and costs depend on the service selected.

Suitable Applications

  • Deposit for a table, group, treatment, or custom project
  • Orders placed by phone or on social media without a web store
  • Payment upon reservation or pickup
  • Outstanding balance after delivery or service provision
  • Temporary sales promotion or limited product selection
  • QR code on quotes, invoices, or at physical points of sale, as appropriate

Online Reservations with a Deposit

Make the question clear to the customer

The customer needs to know who is requesting the payment, what they are paying for, the amount due, and what happens after payment is made. Use a clear company name and reference. Do not send any unexplained links from an unknown phone number or email address.

Warn customers that you will never ask for their PIN, online banking password, or full card details via a payment link outside of the secure provider page. This helps them recognize phishing attempts.

Link the payment to your records

A successful payment must be linked internally to a reservation, customer, order, or invoice. Use unique references and designate who is responsible for following up on outstanding payments. Prevent employees from sending a second request to the same customer from different systems.

For larger volumes, an API or integration can automatically create the link and update the status. For limited use, a clear manual process may suffice.

Cancellations, Expirations, and Refunds

Specify how long a link remains valid and what happens if the customer pays late. For advance payments, cancellation and refund policies must be available before payment is made. Refunds can be processed through the provider portal or via an integration, depending on the service.

Remove or deactivate unused links whenever possible, and if in doubt, check the payment status directly in the portal—not via a screenshot provided by the customer.

Making the right choice starts with how you operate

A payment link is convenient for the customer, but requires clear internal references, follow-up, and terms and conditions. With a solid process in place, you can receive digital payments without having to build a full-fledged online store right away.

All online payment solutions

Start with a secure payment link flow

OmEs pay assesses which provider, payment methods, and reporting options best suit your needs and helps tailor the process to your reservations, orders, or invoices.