通過鏈接支付
Cardflo 的通過鏈接支付解決方案使商戶能夠透過電子郵件、短信或聊天生成並向客戶發送安全的支付鏈接。 這種靈活的支付方式非常適合開具發票、客戶服務支付或傳統電子商務結帳不切實際的情況。
它提供了一種簡單、直接的方式，高效安全地收取款項。
- 類別
- 結帳
- 功能數
- 10
- 適用於
- 所有方案
概覽
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.
運作方式
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.
為何重要
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.
應用案例
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.
數據概覽
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.
相關術語
Talk to our team about a live rollout on your acquiring stack.
What you get with 通過鏈接支付
- 快速輕鬆地生成和發送安全支付鏈接。
- 透過電子郵件、短信、社交媒體或聊天接受付款。
- 適用於發票、定期付款和客戶支援。
- 即時跟踪鏈接狀態和支付完成情況。
- 支援多種貨幣和支付方式。
- 減少手動支付處理和人為錯誤。
- 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.
Questions about 通過鏈接支付
Cardflo 的通過鏈接支付安全嗎？
Cardflo 的通過鏈接支付非常安全。 每個鏈接都將客戶導向符合 PCI 標準的託管支付頁面，敏感數據由 Cardflo 安全處理。
鏈接本身經過加密，並可設置過期時間以增加安全性，確保整個交易過程中的數據保護。
我可以跟踪支付鏈接的狀態嗎？
是的，Cardflo 為所有生成的支付鏈接提供詳細跟踪。 您可以監控鏈接是否已查看、付款是否已啟動以及交易是否成功。
這種可見性有助於管理未完成的款項並高效地跟進客戶。
通過鏈接支付是否適用於訂閱付款？
通過鏈接支付可用於初始訂閱付款。 對於持續的定期付款，Cardflo 提供專用的訂閱重複計費功能來管理自動扣款。
通過鏈接更適用於一次性付款或設置初始付款，然後觸發定期計費配置文件。
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.