Betal via link
Cardflos Betal via Link-løsning giver forhandlere mulighed for at generere og sende sikre betalingslinks til kunder via e-mail, SMS eller chat. Denne fleksible betalingsmetode er ideel til fakturering, kundeservicebetalinger eller situationer, hvor en traditionel e-handelskasse ikke er praktisk.
Den tilbyder en enkel, direkte måde at indsamle betalinger effektivt og sikkert på.
- Kategori
- Kasse
- Funktioner
- 10
- Tilgængelig på
- Alle abonnementer
Overblikket
Pay by link serves as an asynchronous payment method that bridges the gap between traditional invoicing and real-time e-commerce checkouts. The mechanic involves an acquirer or PSP generating a unique, secure URL associated with a specific transaction amount and merchant account.
When the payer accesses this link, they are directed to a hosted payment page where card details or alternative payment methods are entered.
This infrastructure removes the need for merchants to handle sensitive cardholder data directly, shifting the scope of PCI data security standard compliance to the facilitator.
The process supports both card-present and card-not-present environments, often used when manual orders must be finalised without telephonic disclosure of CVV codes.
By centralising the authorisation and capture steps through a managed gateway, businesses can standardise their reconciliation processes regardless of whether the initial lead was generated via social media, chat platforms, or email.
Sådan fungerer det
Unique URL Generation
The merchant initiates a request via a gateway portal or API, specifying the transaction amount, currency, and reference ID. The system generates a single-use or multi-use link tied to the merchant identification number.
This link directs the customer to a secure environment hosted by the payment service provider.
Distribution to Payer
The merchant delivers the link through any digital communication channel, such as email, SMS, or messaging applications.
Because the link points to a secure web address, the merchant does not need to maintain an active e-commerce site or complex shopping cart integration to facilitate the digital transaction.
Customer Payment Entry
The payer clicks the link and enters their credentials on a page protected by TLS encryption. The environment supports Strong Customer Authentication protocols, including 3D Secure, to verify the identity of the cardholder.
This step ensures that the transaction meets the regulatory requirements set out by PSD2.
Authorisation and Settlement
The payment gateway routes the authorisation request to the relevant acquirer and card scheme. Once the issuer approves the transaction, a real-time notification is sent to the merchant.
The funds follow standard settlement cycles, typically resulting in a payout to the merchant account after the agreed clearing period.
Hvorfor det betyder noget
Security and Compliance Scope
Accepting payments over the telephone or via unsecured email threads often increases a merchant's PCI DSS burden and risk of data breach. Pay by link moves the point of entry for card data to a secure environment managed by the PSP.
This reduces the risk of unauthorised access to primary account numbers and simplifies the annual compliance validation process for the business, as sensitive data never touches their internal infrastructure.
Reduced Friction in Collections
Traditional B2B billing often relies on bank transfers which require the customer to manually log into their banking portal and enter account details. Pay by link allows for immediate execution using stored credentials or digital wallets.
This immediacy can lead to faster settlement of outstanding invoices and a reduction in the time spent by accounts receivable teams pursuing overdue payments through manual administrative work.
Anvendelser
B2B Professional Services
Consultancies and legal firms send links alongside digital invoices, allowing clients to settle fees via corporate cards rather than bank transfers, which simplifies international multi-currency reconciliation.
Direct Messaging Commerce
Small retailers using social media for sales can convert chat-based enquiries into completed transactions by sending a secure link once the buyer confirms their selection.
Hospitality and Bookings
Hotels can secure deposits for room reservations or private dining events by emailing a payment link, avoiding the need to process card details over the telephone.
Debt Collection and Recovery
Agencies send personalised links via SMS to debtors, providing a low-friction method to settle balances immediately on a mobile device without requiring a phone conversation.
I tal
Industry observations suggest that once a customer reaches a secure hosted link, completion rates typically fall within this range depending on the merchant sector.
Businesses moving from manual phone payments to hosted links often see a significant reduction in the number of security controls they must personally manage.
Typical processing time from the moment the 'Pay' button is clicked until a confirmation appears, assuming standard gateway and acquirer performance.
Relaterede termer
Talk to our team about a live rollout on your acquiring stack.
Hvad du får med Betal via link
- Generer og send sikre betalingslinks hurtigt og nemt.
- Accepter betalinger via e-mail, SMS, sociale medier eller chat.
- Ideel til fakturering, tilbagevendende betalinger og kundesupport.
- Realtidssporing af linkstatus og betalingsgennemførsel.
- Understøtter flere valutaer og betalingsmetoder.
- Reducer manuel betalingsbehandling og menneskelige fejl.
- Capability to attach specific invoice numbers or customer references for automated ledger reconciliation.
- Compatibility with various digital channels including email, SMS, WhatsApp, and social media platforms.
- Option for set transaction amounts or open fields for customer-defined donation and deposit values.
- Responsive design ensures the payment interface functions correctly on mobile, tablet, and desktop devices.
A short scoping call, then a written plan for your MIDs.
Spørgsmål om Betal via link
Hvor sikre er Cardflos Betal via Link-betalinger?
Cardflos Betal via Link-betalinger er meget sikre. Hvert link dirigerer kunder til en PCI-kompatibel hostet betalingsside, hvor følsomme data behandles sikkert af Cardflo.
Selve linksene er krypterede og kan indstilles med udløbstider for ekstra sikkerhed, hvilket sikrer databeskyttelse gennem hele transaktionen.
Kan jeg spore status for et betalingslink?
Ja, Cardflo leverer detaljeret sporing for alle genererede betalingslinks. Du kan overvåge, om et link er blevet vist, om betaling er påbegyndt, og om transaktionen var succesfuld.
Denne synlighed hjælper med at administrere udestående betalinger og følge op med kunder effektivt.
Er Betal via Link egnet til abonnementsbetalinger?
Betal via Link kan bruges til indledende abonnementsbetalinger. For løbende tilbagevendende betalinger tilbyder Cardflo dedikerede funktioner til genfakturering af abonnementer, der administrerer automatiske opkrævninger.
Betal via Link er mere egnet til engangsbetalinger eller til opsætning af den indledende betaling, der derefter udløser en tilbagevendende faktureringsprofil.
What happens if a customer claims they never received the link?
Sophisticated gateways provide notification logs that track the status of the link. Merchants can verify if the link was successfully dispatched and, in some cases, whether the payer has clicked or viewed the hosted page.
If a link fails to arrive due to an incorrect email address or SMS filtering, the merchant can invalidate the original URL and generate a new one, or resend the existing link through a different communication channel.
Do these links support alternative payment methods like Apple Pay or Google Pay?
Yes, pay by link pages can be configured to display a variety of payment options beyond standard credit and debit cards.
Depending on the PSP's capabilities, the hosted page can detect the user's device and offer digital wallets like Apple Pay or Google Pay, as well as local alternative payment methods such as iDEAL or Bancontact.
This flexibility helps improve conversion rates by allowing customers to pay with their preferred method.
How are refunds handled for transactions initiated via a link?
Refunds for link-based payments are typically processed through the same merchant portal or API used to generate the link. The merchant identifies the original authorisation via a transaction ID or ARN and initiates either a full or partial refund.
The funds are then returned to the original payment instrument used by the customer. The settlement and clearing timelines for these refunds follow the standard rules set by the relevant card scheme or payment provider.
Relaterede funktioner.
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