What is Click-to-Pay?

Click-to-Pay (Pay by Link) is a payment solution that enables businesses to send personalised payment requests to customers via email, SMS or WhatsApp messages. Links can also be pasted on Social media chat and web chat services.

Customers receive a unique message with a link to a prefilled payment webpage, where they can securely enter their payment details and complete the transaction. The payment is processed securely, with no sensitive payment data ever reaching the business’s systems, reducing the risk of a data breach.

Is Click-to-Pay a digital wallet?

Click-to-Pay is not a digital wallet. It is a payment solution that allows customers to make secure online payments.

A digital wallet, on the other hand, is a virtual wallet that stores a customer’s payment information, such as their credit card or debit card details, to facilitate online and mobile transactions. Popular digital wallets include Apple Pay, Google Pay, PayPal, and others.

Is Click-to-Pay safe to use?

Yes, Click-to-Pay is designed to be a secure payment solution that protects sensitive customer information from theft, fraud, and misuse.

Key IVR’s Click-to-Pay solution uses industry-standard encryption and security protocols to protect customer payment data during transmission and storage. The solution is PCI DSS Level 1 certified, which is the highest level of compliance with the Payment Card Industry Data Security Standards.

How long does Click-to-Pay take?

Click-to-Pay is a quick and convenient payment solution that offers customers a fast and seamless payment experience.

Because the link given is unique to the customer, they don’t have to spend time filling in their name, invoice numbers or amount. The Click-to-Pay service can take them straight to the payment details screen – increasing the average payment time significantly and reducing the risk of human error.

What are the benefits of Click-to-Pay?

Click-to-Pay offers several benefits to both businesses and customers. The benefits of this payment solution include:

Personalisation: multiple dynamic fields to personalise the message content and deliver a unique payment URL to individual recipients.

Improved payment conversion: Click-to-Pay can substantially reduce the number of steps needed to make a payment, which can increase payment conversion rates. Customers can quickly and easily make a payment by clicking on a unique payment URL.

Multiple delivery options: messages can be sent via SMS, email, WhatsApp and given across Social Media and Web-chat to customers individually, or they can be combined with an outbound service for mass sending to maximise outreach.

Compatibility: Click-to-Pay works on all web browsing devices, including smartphones, tablets, laptops, and desktop PCs, which means customers can make payments from anywhere using any device.

Security: linked to a fully-branded, 3D Secure, and PCI-DSS compliant web payments page, ensuring customer payment data is protected and secure.

Integration: can integrate with a business’s systems to use customer reference details, which can help streamline payment processing and improve efficiency.

How can I use pay by link for my business?

Pay by Link (Click-To-Pay) can be used in different ways:

To collect outstanding payments or for making a purchase: You can send an SMS, email or WhatsApp message to your customers asking for payment with a unique web link. Additionally, provide the link on your social media chat or live web chat system. All protected to the highest level of PCI-DSS and card payment protection.

Alternatively, you can send bulk email or SMS campaigns to a wider audience – by uploading a customer data list or integrating to a service to a CRM or back-office system for on-demand sends.

How do I receive online payments with a Click-to-Pay solution?

You can receive payments online with a Click-to-Pay (C2P) solution, simply follow these steps:

1. First, select a reliable payment solution provider that suits your business needs and budget.

2. Integrate the Click-to-Pay solution into your website or online payment experience. This can vary depending on the platform you use.

3. Generate payment links using the Click-to-Pay solution. These links are unique and contain payment details such as the amount, product or service description, and customer information.

4. Send the payment links to your customers via email, SMS, social media, web chat or other communication channels. The customer clicks on the link to complete the payment process.

5. Receive payments: Once the customer clicks on the payment link, they are directed to a secure payment page where they can enter their payment information and complete the transaction. The payment is processed, and the funds are transferred to your designated account.

6. Keep track of transactions and payment status using the dedicated Click-to-Pay dashboard. Alternatively, the service may be integrated to update your customer accounts in Realtime.