Payment Link
Payment Link is a remote payment solution designed for AFT (Account Funding Transaction) programs. It enables customers to fund money transfers, top-ups, bill payments, prepaid card loads, and wallet balances without being physically present. A payment link is generated via the API and delivered to the customer's phone via SMS or WhatsApp. The customer completes the payment electronically, and the result is sent back to your system in real time via webhook.
How It Works
1. Your backend calls the API → A payment link is generated 2. Link sent to customer → Delivered via SMS or WhatsApp 3. Customer opens the link → Secure payment page loads on their device 4. Customer completes payment → Card details entered and processed in real time 5. Result sent via webhook → Your system receives the payment outcome immediately
Key Features
| Feature | Description |
|---|---|
| AFT-Optimized | Built for money transfer, top-up, bill pay, prepaid card loading, and wallet funding programs |
| API-Generated Links | Create payment links programmatically — no manual intervention required |
| SMS & WhatsApp Delivery | Reach customers on their preferred channel |
| Real-Time Processing | Payments are processed electronically as soon as the customer pays |
| Webhook Notifications | Receive instant payment results via HTTP webhook callbacks |
| Secure Checkout | Customer-facing payment page is PCI-compliant and supports 3D Secure |
| No App Required | Customers pay directly from their phone browser — no app download needed |
Use Cases
- Money transfer — Customer receives a payment link to fund a remittance or P2P transfer remotely
- Top-up & bill pay — Send a payment link for mobile top-ups or utility bill payments
- Prepaid card loading — Customers load funds onto prepaid cards via a secure link
- Wallet funding — Enable wallet top-ups without requiring the customer to visit a physical location
- Agent-assisted transactions — Agent generates a payment link during a call and the customer pays from their phone
Better Together
Payment Link works alongside the Payments Gateway and Smart Terminal to provide a complete AFT payment platform:
| Channel | Solution |
|---|---|
| API / Online | Payments Gateway API |
| Remote / Mobile | Payment Link |
| In-person / Card present | Smart Terminal |
Using all three products on the same platform increases authorization rates and revenue by leveraging shared routing intelligence, fraud prevention, and transaction data across all channels.
Getting Started
Payment Link API documentation is coming soon. Contact [email protected] to get started with Payment Link or to request API access.