Pay by Link
La solución Pay by Link de Cardflo permite a los comercios generar y enviar enlaces de pago seguros a los clientes por correo electrónico, SMS o chat.
Este método de pago flexible es ideal para facturación, pagos de servicio al cliente o situaciones en las que un proceso de compra de comercio electrónico tradicional no es práctico. Ofrece una forma sencilla y directa de cobrar pagos de manera eficiente y segura.
- Categoría
- Pago
- Capacidades
- 10
- Disponible en
- Todos los planes
La visión general
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.
Cómo funciona
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.
Por qué importa
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.
Casos de uso
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.
En cifras
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.
Términos relacionados
Talk to our team about a live rollout on your acquiring stack.
Lo que obtienes con Pay by Link
- Genere y envíe enlaces de pago seguros de forma rápida y sencilla.
- Acepte pagos por correo electrónico, SMS, redes sociales o chat.
- Ideal para facturación, pagos recurrentes y atención al cliente.
- Seguimiento en tiempo real del estado del enlace y la finalización del pago.
- Admite múltiples divisas y métodos de pago.
- Reduce el procesamiento manual de pagos y el error humano.
- 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.
Preguntas sobre Pay by Link
¿Qué tan seguros son los pagos de Pay by Link de Cardflo?
Los pagos de Pay by Link de Cardflo son altamente seguros. Cada enlace dirige a los clientes a una página de pago alojada y compatible con PCI donde Cardflo procesa de forma segura los datos confidenciales.
Los enlaces en sí están cifrados y pueden configurarse con tiempos de caducidad para mayor seguridad, garantizando la protección de los datos durante toda la transacción.
¿Puedo hacer un seguimiento del estado de un enlace de pago?
Sí, Cardflo proporciona un seguimiento detallado de todos los enlaces de pago generados. Puede monitorear si se ha visto un enlace, si se ha iniciado el pago y si la transacción fue exitosa.
Esta visibilidad ayuda a gestionar los pagos pendientes y a hacer un seguimiento eficiente con los clientes.
¿Es Pay by Link adecuado para pagos de suscripción?
Pay by Link se puede utilizar para los pagos iniciales de suscripción. Para los pagos recurrentes continuos, Cardflo ofrece funciones dedicadas de renovación de suscripciones que gestionan los cargos automáticos.
Pay by Link es más adecuado para pagos únicos o para configurar el pago inicial que luego activa un perfil de facturación recurrente.
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.
Características relacionadas.
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