AI-Powered Financial InfrastructureGlobal PaymentsSecure & Trusted
Products · Payment LinksCreate a secure, shareable payment link in seconds and send it over email, chat, or SMS — no website required.
$link = $client->paymentLinks->create([
'title' => 'Invoice #204',
'amount' => 500000, // in paise, or omit to let the customer enter it
'currency' => 'INR',
]);
echo $link->short_url;Paynancial Payment Links let you create a secure, shareable link from the dashboard in under a minute, with a fixed or open amount and an optional expiry date, and send it by email, WhatsApp, SMS or on an invoice — no website or checkout needed.
For businesses that need to collect a one-off or occasional payment without building a checkout.
Create a link from your dashboard with a title and amount.
Share the link with your customer through any channel.
The customer pays on a secure, branded payment page.
You see the payment reflected against the link immediately.
Illustrative examples from Paynancial's industry pages.
Create a shareable link a customer can pay without a checkout on your site. The same API powers the dashboard, your systems and any agent working for you.
| Parameter | Description |
|---|---|
title | What the customer sees, e.g. an invoice number |
amount | Amount in paise; omit it to let the customer enter the amount |
currency | Currency code, e.g. INR |
A plain-language guide to the frameworks that may apply. General information only. Not legal, tax, financial or regulatory advice. It is not a statement of Paynancial's own licences or authorisations.
RBI's framework for payment aggregators — businesses that collect payments on behalf of merchants — covering authorisation, merchant due diligence, how merchant funds are held and settled, and grievance handling.
NPCI operates UPI and sets its rules for member banks, UPI apps and other participants through procedural guidelines and circulars, including transaction limits, dispute handling and security requirements.
Covers the time within which failed digital transactions — for example, a customer debited without the merchant being credited — are expected to be reversed or resolved across authorised payment systems such as UPI, cards and IMPS, and compensation to the customer when that time is missed.
Covers how authorised payment system operators and participants offer customers an online, rule-based way to raise and resolve disputes and grievances about digital payments.
Regulators update these rules by circular, so always check the current text at the source: Reserve Bank of India · NPCI. For Paynancial's own security and compliance posture, see the Trust Center.
No — a payment link works entirely on its own; you only need a way to share the link, like email or chat.
A link stays active until it is paid, expires, or you disable it, so it can be shared with more than one customer if left open.
Yes. Set an expiry date and the link stops accepting payment automatically.
By email, WhatsApp or SMS, or embedded in an invoice. The customer pays on a secure payment page that shows your business name and the amount due.
Tell us how your business takes and moves money, and we will help you get started.
Discuss your payment and financial infrastructure requirements.