# Payment Links ![Payment Links](/assets/payment-links.ffd26ab1fa40e8d5554df78841a3943e026e5a8fb9144f6062f4fe56abe56a6f.fec90461.svg) 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 serve as personalized links for one-time purchases for a specific customer. If they are multi-use payment links, they can also be used by multiple customers. 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 buyers 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 generated by entering transaction details, such as the amount, currency, and items sold, in the Finix Dashboard. Once the payment link is created, you can send it to your buyer through email, chat, or other communication methods. 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](/assets/payment-links-buyer-experience-1.233b5348f040324734223e47512774f5c160df9ba96eb53715d3c8ff540ac8da.08ff7529.png) ## 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) ## Use the Finix Dashboard You can create a payment link in the Finix Dashboard without any development work. You can track the status of all your payment links in the Finix dashboard. ### Step 1: Create a Payment Link To create a payment link in the Finix Dashboard: 1. Log into the [Finix Dashboard](https://finix.payments-dashboard.com/Login) 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.](#terms-of-service) #### One-Time Links 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](/assets/payment-links-single-use.72831b0d336976072e0417a4557eb3b290751ec326079dd120876a3228816a57.08ff7529.png) When a One-Time Link payment is completed, the link can't be used again by anyone else. ![One-Time Link Completed](/assets/payment-links-single-use-completed.c947d3419bafbef51072563647611aa4c5bc72f4d0a9c410a1931c9a7b68a3c4.08ff7529.png) #### Multi-Use Links 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](/assets/payment-links-multi-use.ad36e1fe4b06bd08f77d0f7fa73087313e03896c2a58d8f8c8ab992b1341c1d0.08ff7529.png) 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](/assets/payment-links-multi-use-many-payments.2f56452b0e63b39e10e9d8e996a1a56216a5eab1ec084105e5338e9b2207cb17.08ff7529.png) ### Step 2: Send Payment Link to Buyer 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 ``` ### Step 3: Track your Payment Link 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](/additional-resources/developers/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](/api/payment-links/createpaymentlink) ```shell 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://images.unsplash.com/photo-1608835149345-b4d77bc490ae?q=80&w=3272&auto=format&fit=crop&ixlib=rb-4.1.0&ixid=M3wxMjA3fDB8MHxwaG90by1wYWdlfHx8fGVufDB8fHx8fA%3D%3D" }, "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: ```json 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://images.unsplash.com/photo-1608835149345-b4d77bc490ae?q=80&w=3272&auto=format&fit=crop&ixlib=rb-4.1.0&ixid=M3wxMjA3fDB8MHxwaG90by1wYWdlfHx8fGVufDB8fHx8fA%3D%3D", "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" } } } ``` #### Fields | Field | Description | Required | | --- | --- | --- | | Type | Set if the payment link will be `ONE_TIME` or `RECURRING`. | Required | | Name | A short name to help you manage payment links. | Required | | Amount Type | Set the pricing of the payment link. `VARIABLE` allows your buyers to specify how much they want to pay. | Required | | Allowed Payment Methods | Choose between Card and/or Bank Transfers. | Required | | Product or Service Name | Name of the item or service being sold; the name will appear in the form the buyer submits. | Required | | Description | Short description of your item. | Optional | | Terms of Service URL | URL linking to your Terms of Service. | Required | | Success URL | URL to redirect buyers if their payment is successful. | Optional | | Failure URL | URL to redirect buyer if their payment is unsuccessful. | Optional | | Expired Session URL | URL to redirect your buyer if the payment link expires. | Optional | #### Fixed Price | Field | Description | Required | | --- | --- | --- | | Unit Price | Price of the item. At this time, payment links only support USD. | Required | | Quantity | Item quantity. The final total will be calculated from the Unit Price and Quantity. | Required | | Image URL | Image URL of an individual item. The image will appear in the form the buyer submits. | Optional | #### Variable Price | Field | Description | Required | | --- | --- | --- | | Default Amount | Default amount to display when a buyer clicks on the payment link. This can be changed after clicking into the field. | Optional | | Minimum Allowed | Minimum amount a buyer can set in the payment form. | Optional | | Maximum Allowed | Maximum amount a buyer can put in the payment form. | Optional | ## 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