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Payment Links

Payment Links

Payment links create individual links you can send to buyers to complete a transaction. You can share these links on web pages, email, text, or QR codes.

Payment links can be either "single-use" or "multiple-use". Single-use payment links are personalized for a specific customer's purchase, while multiple-use links can be used any number of times.

With payment links, instead of logging in to a computer or meeting the seller in person, the buyer can click a link and complete the transaction on their phone or preferred device.

Example use cases for payment links:

  • Including a payment link with an invoice for your buyer to pay
  • Asking a buyer to pay after they visit your store
  • Allowing buyers to pay through chat, email, or social media

The payment link buyer page is supported on desktop and mobile. You can also customize the checkout page with your brand name and logo.

Buyer Experience

Payment links are generated by entering transaction details in the Finix Dashboard. After creating the payment link, you can share it with your buyer via a hyperlink, QR code, email, or chat.

When the buyer clicks the link, they will be directed to a payment page where they can enter their card or bank information to complete the transaction.

Buyer Page

Supported Payment Methods

Finix's payment links support:

  • Card payments ($USD and $CAD)
  • Bank account payments (ACH Direct Debits in the USA and EFTs in Canada)
  • Google Pay

Use the Finix Dashboard

You can create a payment link in the Finix Dashboard without any development work and track its status.

To create a payment link in the Finix Dashboard:

  1. Log into the Finix Dashboard.
  2. Navigate to Payment Tools > Payment Links.
  3. Click Create Payment Link.
  4. Choose whether the payment link is for a Sale or Authorization.
    • If Authorization is chosen, you must select Credit/Debit as the allowed payment method
  5. Fill the form out with the requested details. Be sure to link to your Terms of Service.

"Single-use" payment links can be used only once, enhancing security by ensuring they are valid for a single payment. They are helpful for businesses that want to send payment links via text or email to their customers.

Single-use Link

After payment, the user sees a summary of the items and the total amount paid:

Single-use Link - Completed

A single-use payment link can only accept one payment. Clicking the payment link again will display a message confirming successful payment processing with no further actions available:

Single-use Link - Success Processing

"Multiple-use" payment links let businesses and customers use the same payment link for multiple transactions. Companies can track and analyze the performance of each payment link across various purchases:

Multiple-use links do not support L2/L3

If you are using Level 2 / Level 3, please be aware that multiple-use links do not support this processing method.

Multiple-use Links

For Multiple-use payment links, the state remains ACTIVE until it expires or is deactivated. Each successful payment creates a new Transfer resource:

Multiple-use Links

Google Pay

You can enable Google Pay for payment links. Google Pay can benefit merchants by speeding up checkout and reducing payment link abandonment. In addition, Google Pay offers enhanced security through tokenization, which hides card numbers and requires biometric/PIN authentication.

Google Pay Payment Link

You can enable Google Pay in the Allowed Payment Methods section when you create a payment link.

To copy a payment link's URL, click it from the Payments page to open its details page.

Then, click Share Link. In the pop-up, you can:

  1. Click Copy Link to copy the URL.
  2. Click QR Code to download a QR code.
  3. Share the link via email or text.

When the buyer clicks the link, they will be redirected to Finix's payment form to complete their payment.

Here's an example payment link URL you can copy and view:

Payment Link URL
https://link.sandbox-payments-checkout.com/iTHcU6

After the buyer completes the payment, you can review the details of the transaction on either:

  1. The Transactions > Payments page. Every successful payment will appear on the Payments page.
  2. An individual payment link's details page. On this page, you can view Payment Attempts.

To receive real-time payment updates, integrate our webhooks.

Use the Finix API

To create a Payment Link, include:

  • The ID of the Merchant. The payment link will be associated with the Merchant.
  • Whether the payment link is single or multiple-use.
  • A list of products/services.
  • Any additional URLs (A Terms of Service URL is required).
  • Allowed payment methods.

At this time, only APPROVED Merchants with one of the following processors can create Payment Links:

  • DUMMY_V1
  • LITLE_V1
  • FINIX_V1

For detailed API information, please see our Payment Links API Reference.

Request

curl -i -X POST \
  -u USfdccsr1Z5iVbXDyYt7hjZZ:313636f3-fac2-45a7-bff7-a334b93e7bda \
  https://finix.sandbox-payments-api.com/payment_links \
  -H 'Content-Type: application/json' \
  -H 'Finix-Version: 2022-02-01' \
  -d '{
    "merchant_id": "string",
    "payment_frequency": "ONE_TIME",
    "is_authorization": true,
    "is_multiple_use": true,
    "allowed_payment_methods": [
      "string"
    ],
    "nickname": "string",
    "items": [],
    "buyer_details": {
      "identity_id": "string",
      "first_name": "string",
      "last_name": "string",
      "email": "string",
      "shipping_address": "string",
      "billing_address": "string",
      "phone_number": "string"
    },
    "amount_details": {
      "amount_breakdown": {
        "subtotal_amount": 0,
        "shipping_amount": 0,
        "estimated_tax_amount": 0,
        "additional_buyer_charges": {
          "convenience_amount": 0,
          "rent_surcharge_amount": 0,
          "surcharge_amount": 0
        },
        "discount_amount": 0,
        "tip_amount": 0
      },
      "amount_type": "FIXED",
      "currency": "string",
      "max_amount": 0,
      "min_amount": 0,
      "total_amount": 0
    },
    "branding": {
      "accent_color": "#F2F2F2",
      "brand_color": "#F2F2F2",
      "button_font_color": "string",
      "button_label": "string",
      "icon": "string",
      "logo": "string",
      "logo_alternative_text": "string"
    },
    "additional_details": {
      "collect_billing_address": true,
      "collect_email": true,
      "collect_name": true,
      "collect_phone": true,
      "collect_shipping_address": true,
      "expired_in_minutes": 0,
      "expired_session_url": "string",
      "receipt_requested_delivery_methods": [
        {
          "type": "EMAIL",
          "destinations": [
            "string"
          ]
        }
      ],
      "send_receipt": true,
      "success_return_url": "string",
      "terms_of_service_url": "string",
      "unsuccessful_return_url": "string"
    },
    "tags": {
      "property1": "string",
      "property2": "string"
    }
  }'

Response

Single-Use Payment Link

Successful Payments

When a buyer successfully submits a payment using a payment link, the status of the payment link updates to COMPLETED.

Terms of Service

You must include a URL to your terms of service when creating a payment link.

You must include your terms and services with every payment link you create. Your terms and conditions should contain the following information:

General Terms

  • A description of the product or service that you are selling or offering.
  • Any third parties involved in the product you are selling or offering.
  • Reference to which governing law applies to you and your buyers.

Privacy Policy

  • Any data you are storing.
  • Any data you are sharing with third parties.
  • Your cookie policy.

Shipping and Delivery Information

  • Expected delivery and shipping timelines
  • Any restrictions on where you can ship or deliver your goods or services

Refunds and Cancellations

  • Your general refund policies (e.g., 10 days, 30 days, no refunds allowed).
  • Directions on submitting a refund request or canceling a subscription.

Contact Information

You should include general contact information such as:

  • Business name
  • Doing Business as
  • Support Email address
  • Support Phone number