Click-to-Pay

What is Click-to-Pay?

Click-to-Pay (also known as Pay by Link) lets businesses send personalised payment requests to customers via email, SMS, WhatsApp, social media chat, or web chat. The customer receives a unique link to a prefilled payment page where they can securely complete their transaction — with no sensitive payment data ever reaching your systems.

Is Click-to-Pay a digital wallet?

No. Click-to-Pay is a payment link solution, not a digital wallet. Digital wallets (such as Apple Pay, Google Pay, or PayPal) store a customer’s card details for repeated use. Click-to-Pay instead sends a unique, secure payment link for each transaction.

Is Click-to-Pay safe to use?

Yes. The solution uses industry-standard encryption and security protocols, and is PCI-DSS Level 1 certified — the highest level of compliance with Payment Card Industry Data Security Standards.

How long does Click-to-Pay take?

It’s fast. Because the link is unique to the customer and prefilled with their details — name, invoice number, amount — they’re taken straight to the payment screen with no manual data entry. This speeds up the average payment time and reduces the risk of human error.

What are the benefits of Click-to-Pay?

• Personalisation — dynamic fields deliver a unique, prefilled payment URL to each recipient
• Improved conversion — fewer steps means more customers completing payment
• Multiple delivery options — send individually via SMS, email, or WhatsApp, or run bulk campaigns to maximise outreach
• Device compatibility — works on all devices, including smartphones, tablets, and desktops
• Security — fully branded, 3D Secure, and PCI-DSS compliant payment pages
• Integration — connects with your existing systems using customer reference data to streamline processing

How can I use Click-to-Pay for my business?

There are two main approaches. For individual customers, send a payment request via SMS, email, WhatsApp, social media chat, or web chat with a unique payment link. For larger outreach, run bulk SMS or email campaigns by uploading a customer data list or integrating with your CRM or back-office system for on-demand sending.

How do I receive payments with Click-to-Pay?

1. Choose a Click-to-Pay provider that suits your business needs.
2. Integrate the solution into your website or payment workflow.
3. Generate unique payment links containing the amount, product or service details, and customer information.
4. Send the links to customers via your chosen channel.
5. Customers click through to a secure payment page, complete the transaction, and funds are transferred to your account.
6. Track transactions and payment status via the dashboard, or integrate to update customer accounts in real time.