Payment Links

Create and send Payment Links to help buyers easily complete transactions.

Payment Links

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

Payment links can serve as personalized links for one-time purchases for a specific customer. They can also be used by multiple customers if they are Multi-Use Payment Link.

With payment links, instead of logging onto a computer or meeting the seller in person, the buyer can click a hyperlink 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 a buyer to pay through chat, email, or social media.

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

Buyer Experience

Payment links are created by submitting information about the transaction in the Finix Dashboard, like amount, currency, items sold, etc. You can then send the payment link that gets created to your buyer via email, chat, or other mediums.

When the buyer clicks on the link, they'll see a payment page where they can enter their card or bank information to complete the payment.

Buyer Page

Supported Payment Methods

Payment links currently support:

  • Card payments
  • Bank account payments (ACH in USA)

For more details about ACH payments, see ACH Direct Debit.

Use the Finix Dashboard

You can create a payment link in the Finix Dashboard without any development work:

  • Create and send payment links to buyers to help them submit their bank and/or card details.
  • Track the status of payment links.

To create a payment link in the Finix Dashboard:

  1. Log into the Finix Dashboard
  2. Navigate to Take a Payment > Payment Links
  3. Click Create Payment Link
  4. Select the Processor and Merchant Account to use
  5. Fill the form out with the requested details. Be sure to link to your Terms of Service.

One-Time payment links are single-use and offer enhanced security by being only valid for one payment. They're helpful for businesses that want to text or email payment links to their customers.

One-Time Link

When a One-Time Link payment is completed, the link can't be used again by anyone else.

One-Time Link Completed

Multi-Use payment links let businesses and customers use the same payment link for multiple transactions. Businesses can track and analyze the performance of each individual payment link across multiple purchases.

Multi-Use Links

For Multi-Use payment links, the state of the payment link will remain ACTIVE until expired or deactivated. Each successful payment creates a new Transfer resource.

Multi-Use Links

Fields

FieldDescriptionRequired
TypeSet if the payment link will be ONE_TIME or RECURRING.Required
NameA short name to help you manage payment links.Required
Amount TypeSet the pricing of the payment link. VARIABLE allows your buyers to specify how much they want to pay.Required
Allowed Payment MethodsChoose between Card and/or Bank Transfers.Required
Product or Service NameName of the item or service being sold; the name will appear in the form the buyer submits.Required
DescriptionShort description of your item.Optional
Terms of Service URLURL linking to your Terms of Service.Required
Success URLURL to redirect buyers if their payment is successful.Optional
Failure URLURL to redirect buyer if their payment is unsuccessful.Optional
Expired Session URLURL to redirect your buyer if the payment link expires.Optional

Fixed Price

FieldDescriptionRequired
Unit PricePrice of the item. At this time, payment links only support USD.Required
QuantityItem quantity. The final total will be calculated from the Unit Price and Quantity.Required
Image URLImage URL of an individual item. The image will appear in the form the buyer submits.Optional

Variable Price

FieldDescriptionRequired
Default AmountDefault amount to display when a buyer clicks on the payment link. This can be changed after clicking into the field.Optional
Minimum AllowedMinimum amount a buyer can set in the payment form.Optional
Maximum AllowedMaximum amount a buyer can put in the payment form.Optional

On the Payment Link Details page, you can copy the payment link URL to send to buyers.

When the buyer clicks on the link, they get redirected to Finix's payment form which they can use to complete their payment.

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

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

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

  1. Transactions > Payments page. Every successful payment will appear on the Payments page.
  2. On the Payment Links details page. On this page, you can track the performance of individual payment links.

To get real-time payment updates, integrate with our webhooks.

Use the Finix API

To create a Payment Link, include:

  • The ID of the Merchant that the payment will be created under.
  • The amount of the transaction.
  • Any additional URLs (terms of service 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

Payment Link Request
curl https://finix.sandbox-payments-api.com/payment_links \
    -H 'Content-Type: application/json' \
    -H 'Finix-Version: 2022-02-01' \
    -u USksBJMwkNUz5GyxPevL2yFY:71b641c1-861d-435b-9a9c-532760731c5e \
    -X POST \
    -d '{
        "merchant_id": "MUaC9hbNvRwBoCJzqrjWk69N",
        "application_id": "AP32VuKPGvgg4qEVo54qazAD",
        "payment_frequency": "ONE_TIME",
        "is_multiple_use": true,
        "allowed_payment_methods": ["PAYMENT_CARD", "BANK_ACCOUNT"],
        "nickname": "Basketball League Holiday Dinner 2",
        "items": [
            {
                "name": "Holiday Dinner Contribution",
                "quantity": "1",
                "image_details": {
                    "primary_image_url": "https://shop.momofuku.com/cdn/shop/articles/Holidays_2021_Table_Spread_3.jpg?v=1636317855"
                },
                "price_details": {
                    "sale_amount": 7500,
                    "currency": "USD"
                }
            }
        ],
        "amount_details": {
            "amount_type": "FIXED",
            "total_amount": 7500,
            "currency": "USD"
        },
        "additional_details": {
            "collect_name": true,
            "collect_email": true,
            "collect_phone": false,
            "collect_billing_address": false,
            "collect_shipping_address": false,
            "expiration_in_minutes": 1576800,
            "terms_of_service_url": "https://mybasketball-leaguexyz.com/terms",
            "success_return_url": "https://mybasketball-leaguexyz.com/success",
            "unsuccessful_return_url": "https://mybasketball-leaguexyz.com/failure",
            "expired_session_url": "https://mybasketball-leaguexyz.com/expired",
            "send_receipt": true,
            "receipt_requested_delivery_methods": [
                {
                    "type": "EMAIL",
                    "destinations": ["abc@test.com"]
                },
                {
                    "type": "SMS",
                    "destinations": ["2348765431"]
                }
            ]
        },
        "branding": {
            "brand_color": "#111823",
            "accent_color": "#f3eeee",
            "logo": "https://s3.amazonaws.com/customer-uploaded-assets-prod/11-16-2023-04_16_27_2022-04-28-22_56_33-finix-logo-v2.png_0feefc6d-06fe-4c50-a5e4-91dfeb183482",
            "icon": "https://s3.amazonaws.com/customer-uploaded-assets-prod/11-16-2023-04_16_27_2022-04-28-22_56_33-finix-icon-v2.png_0feefc6d-06fe-4c50-a5e4-91dfeb183482"
        }
    }'

The response will include the unique Payment Link URL:

Payment Link
{
    "id": "payment_link_ceBaS82SqvsTeg84MDVaF",
    "created_at": "2024-08-26T23:44:03.414715Z",
    "updated_at": "2024-08-26T23:44:03.414715Z",
    "application_id": "AP32VuKPGvgg4qEVo54qazAD",
    "merchant_id": "MUaC9hbNvRwBoCJzqrjWk69N",
    "payment_frequency": "ONE_TIME",
    "is_multiple_use": "true",
    "allowed_payment_methods": ["BANK_ACCOUNT", "PAYMENT_CARD"],
    "nickname": "Basketball League Holiday Dinner 2",
    "items": [
        {
            "image_details": {
                "primary_image_url": "https://shop.momofuku.com/cdn/shop/articles/Holidays_2021_Table_Spread_3.jpg?v=1636317855",
                "alternative_image_urls": null
            },
            "description": null,
            "price_details": {
                "sale_amount": "7500",
                "currency": "USD",
                "price_type": null,
                "regular_amount": "0"
            },
            "name": "Holiday Dinner Contribution",
            "quantity": "1"
        }
    ],
    "buyer_details": null,
    "amount_details": {
        "amount_type": "FIXED",
        "total_amount": "7500",
        "currency": "USD",
        "min_amount": null,
        "max_amount": null,
        "amount_breakdown": null
    },
    "branding": {
        "brand_color": "#111823",
        "accent_color": "#f3eeee",
        "logo": "https://s3.amazonaws.com/customer-uploaded-assets-prod/11-16-2023-04_16_27_2022-04-28-22_56_33-finix-logo-v2.png_0feefc6d-06fe-4c50-a5e4-91dfeb183482",
        "icon": "https://s3.amazonaws.com/customer-uploaded-assets-prod/11-16-2023-04_16_27_2022-04-28-22_56_33-finix-icon-v2.png_0feefc6d-06fe-4c50-a5e4-91dfeb183482",
        "logo_alternative_text": null,
        "button_font_color": null
    },
    "additional_details": {
        "collect_name": "true",
        "collect_email": "true",
        "collect_phone": "false",
        "collect_billing_address": "false",
        "collect_shipping_address": "false",
        "success_return_url": "https://mybasketball-leaguexyz.com/success",
        "unsuccessful_return_url": "https://mybasketball-leaguexyz.com/failure",
        "expired_session_url": "https://mybasketball-leaguexyz.com/expired",
        "terms_of_service_url": "https://mybasketball-leaguexyz.com/terms",
        "expiration_in_minutes": "1576800",
        "send_receipt": "true",
        "receipt_requested_delivery_methods": [
            {
                "type": "EMAIL",
                "destinations": ["abc@test.com"]
            },
            {
                "type": "SMS",
                "destinations": ["2348765431"]
            }
        ]
    },
    "state": "ACTIVE",
    "tags": null,
    "link_url": "https://link.sandbox-payments-checkout.com/1zxlKh",
    "link_expires_at": "2027-08-26T23:44:03.338674Z",
    "_links": {
        "self": {
            "href": "https://finix.sandbox-payments-api.com/payment_links/payment_link_ceBaS82SqvsTeg84MDVaF"
        }
    }
}

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 to 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