A PCI compliant service to increase payment conversion, with personalised messages containing unique links for each recipient.
- Increase your conversion rate with prefilled payment pages
- Improved customer experience & brand image
- Save time and money on valuable staff resources
- Works with SMS, email, WhatsApp & web chat or social media

Send unique payment links by
A PCI compliant service to increase payment conversion, with personalised messages containing unique links for each recipient.
- Increase your conversion rate with prefilled payment pages
- Improved customer experience & brand image
- Save time and money on valuable staff resources
- Works with SMS, email, WhatsApp & web chat or social media


Choose your
delivery channel…
There are four ways for a Customer to receive a secure payment link from your organisation.
SMS / Text Message
WhatsApp Message
Web Chat & Social Media
Choose your
delivery channel…
There are four ways for a Customer to receive a secure payment link from your organisation.





How it works
This pay-by-link service launches a mobile-friendly payment web page with as much or as little customer information pre-filled as required, allowing them to confirm payment details and simply complete the transaction.
A customer can enter new card details or use a previously stored card, making it easy for a customer to complete the payment process.
- Flexible to work for you. Payment links can go to one customer or many, ideal for bulk payment collection
- Give your customers peace of mind that their information is safe by removing sensitive cardholder data from your organisation
- Eradicate friendly fraud, stopping chargebacks with advanced identity verification
- Reconcile payments easily with minimal to no change to your current processes
How Create Fertility added self-serve options to reduce amount of payment-only calls

David Gilbert - Chief Financial Officer
"Working with Key IVR’s project team, specifically the Project Manager, Ecaterina, was excellent. They were efficient, accurate, competent and reliable, making the overall experience and process run smoothly. Training and workshops were provided by the Key IVR Customer Experience Team, allowing us to steadily adopt the new payment methods, incorporating them into our day-to-day operations."

David Gilbert - Chief Financial Officer
"Working with Key IVR’s project team, specifically the Project Manager, Ecaterina, was excellent. They were efficient, accurate, competent and reliable, making the overall experience and process run smoothly. Training and workshops were provided by the Key IVR Customer Experience Team, allowing us to steadily adopt the new payment methods, incorporating them into our day-to-day operations."
How Create Fertility added self-serve options to reduce amount of payment-only calls
How can Click-to-Pay be used?
Click-to-Pay is a diverse payment option that can be used in multiple ways to streamline your payment collection process.
Your solution can be configured to use a combination of methods, all fully secure to the highest level of PCI-DSS compliance.
Collecting an outstanding payment or making a purchase
An SMS or email is sent to a customer asking for payment with a unique web link, taking the customer straight through to a web page to enter their card details, bypassing any need to enter order information or customer references.
If the card has been securely saved on the account, all card information is pre-filled out, or new card details can be entered to complete the process. An SMS or email is sent as a payment receipt.
At-the-door & on-site secured payments
Product or Service Purchase
An agent is on site with a customer and has just completed a purchase. The agent inputs a deposit or purchase details, including the customer’s phone number or email address who then receives an email, SMS or WhatsApp message linking to a fully branded secure web payments page.
The customer can then complete the payment in a PCI compliant manner on their own device and the sales agent doesn’t see or hear any card sensitive details.
Bulk send email or SMS campaigns
Combine Click-to-Pay with our Outbound Services to send SMS or email messages to a customer data list. This generates a unique URL for each recipient that takes them to a web payments page with reference and payment amounts pre-filled. All they need to do is confirm a payment method.
You can edit the message content, customise the dynamic fields such as Name, Company Name and Order Reference details and dispatch an SMS or email quickly and easily.
Send individual recurring payment plans
Click-to-Pay recurring makes it easy for organisations to set up recurring payment plans for customers to confirm with just a few clicks. Businesses can send custom payment plans via email or SMS allowing users to securely enter their card details and activate the plan. This seamless solution reduces missed payments, improves cash flow, and enhances the customer experience with a simple, hassle-free way to stay on top of their commitments.
Agents can also monitor payment plans and reconcile transactions through their backend portal, ensuring full visibility and control over incoming payments.

Give flexibility and freedom with a range of payment options
Debit & Credit Card
PayPal & Digital Wallets
Buy Now Pay Later
There are a multitude of additions we provide to suit your bespoke Click-to-Pay Solution.
Your solution can be configured to suit your business needs, all fully secure to the highest level of PCI-DSS compliance.
Pay by Bank
Collect payments quicker, directly from your customer’s bank with Pay By Bank. Simply add a payment button on your checkout page and the customer is transferred to their bank to login and authorise payment.
All the details of the payment are encrypted and passed through to their bank so there are is no risk of payer error.
Direct Debit Payments
Add Direct Debit to your payment solution and start securing collections through one of the most trusted channels in the UK.
Set up, modify and monitor Direct Debits simply and conveniently, avoiding the hassle of chasing a multitude of late payments. Options include: payment plans and one-off transactions to collect variable amounts, subscription payments and fixed fees alike.
Tokenisation
Tokenise a customer’s card, meaning they will only need to provide card details once, saving them time on regular payments and purchases.
All payments are secure as card details are not stored anywhere outside the issuing card company, with tokens containing a dedicated reference for every individual customer.
E.g. Policy number, customer number, customer name, phone number, etc.
Recurring Payments
Offer your customers a Recurring Payment Plan with a range of payment frequencies, such as weekly, fortnightly, monthly, etc.
A Recurring Payment Plan / CPA (Continuous Payment Authority) differs from a Direct Debit as you can re-take failed payments, restarting the plan and avoiding expensive failed payment charges.
This method is recommended by the FCA, as debt isn’t added onto customers paying off existing debt.
SFTP Integration
Validate your customer transactions and avoid matching every transaction and investigating human errors.
You’ll have the option to supply customer records or a list of outstanding payments so transactions can be validated as a customer makes a payment.
Bespoke API Integration
Our solutions are compatible with many different APIs, allowing integration with hundreds of different platforms.
If necessary, a bespoke API can be developed to work seamlessly with your business systems.
Track payments & activity on your Client Portal
- Real time and historical reporting across all your payment services
- Monitor payment volume, payment status, call volume, call abandonment rate, recurring payment plans, licences and much more
- Download payment and call log reports
- Intuitive and easy to use
- Set user access controls for admins and users with limited control

Submit your details and a payment specialist will be in touch.

Sophie Chan
Head of Account Management
Services that work for everyone, including…
Debt Recovery
Housing
Travel Agents
Charities
Services that work for everyone, including…
Debt Recovery
Housing
Travel Agents
Charities
Contact Centre Teams
Debt Collection & Enforcement
Collection and card processing needs to be fast, reliable and convenient for both debtors and your staff. Whether you take payments on the phone, via an automated IVR, online or in person we can provide a bespoke, PCI-DSS Compliant solution, comprised of payment methods that work seamlessly together
Utility Suppliers & Providers
Travel Agencies & Tour Operators
Our services can be tailored to meet the specific needs of the travel sector, providing a range of payment methods to suit your individual requirements
Property Management & Housing Associations
Managing and maintaining the incoming funds from tenants is a crucial day-to-day process for any housing association, But, keeping track of this can often be tricky, especially when there are many areas to oversee
Charities & Not for Profit
Streamlining donation management is essential for any organization aiming to maximize fundraising efforts and make it easy for supporters to contribute. With a dedicated, automated donation phone line or web portal available 24/7, organizations can ensure that supporters can donate at any time.
FAQ's about Click to pay
We’ve put together some commonly asked questions to give you more information about Click-to-pay and what benefits it offers to your business.
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.