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Clearing","\u002Ffaq\u002Fbank-transfers\u002Freal-time-clearing","0.faq\u002F7.bank-transfers\u002F4.real-time-clearing",{"title":462,"path":463,"stem":464},"PayShap","\u002Ffaq\u002Fbank-transfers\u002Fpayshap","0.faq\u002F7.bank-transfers\u002F5.payshap",{"title":466,"path":467,"stem":468},"ShapIDs and Request to Pay","\u002Ffaq\u002Fbank-transfers\u002Fshapids-and-request-to-pay","0.faq\u002F7.bank-transfers\u002F6.shapids-and-request-to-pay",{"title":470,"path":471,"stem":472},"Final and Irrevocable Payments","\u002Ffaq\u002Fbank-transfers\u002Ffinal-and-irrevocable-payments","0.faq\u002F7.bank-transfers\u002F7.final-and-irrevocable-payments",{"title":474,"path":475,"stem":476},"Payouts and Bulk Payments","\u002Ffaq\u002Fbank-transfers\u002Fpayouts-and-bulk-payments","0.faq\u002F7.bank-transfers\u002F8.payouts-and-bulk-payments",{"title":478,"path":479,"stem":480},"Account Verification","\u002Ffaq\u002Fbank-transfers\u002Fbeneficiary-and-account-verification","0.faq\u002F7.bank-transfers\u002F9.beneficiary-and-account-verification",{"title":482,"path":483,"stem":484,"children":485,"icon":487},"Billing","\u002Ffaq\u002Fbilling","0.faq\u002F8.billing\u002Findex",[486,488,492,496,500,504,508,512],{"title":482,"path":483,"stem":484,"icon":487},"i-lucide-receipt",{"title":489,"path":490,"stem":491},"Invoice Payments","\u002Ffaq\u002Fbilling\u002Finvoice-payments","0.faq\u002F8.billing\u002F1.invoice-payments",{"title":493,"path":494,"stem":495},"Subscription Payments","\u002Ffaq\u002Fbilling\u002Fsubscription-payments","0.faq\u002F8.billing\u002F2.subscription-payments",{"title":497,"path":498,"stem":499},"Recurring Card Payments","\u002Ffaq\u002Fbilling\u002Frecurring-card-payments","0.faq\u002F8.billing\u002F3.recurring-card-payments",{"title":501,"path":502,"stem":503},"Instalments and Usage Billing","\u002Ffaq\u002Fbilling\u002Finstalment-and-usage-based-billing","0.faq\u002F8.billing\u002F4.instalment-and-usage-based-billing",{"title":505,"path":506,"stem":507},"Dunning and Recovery","\u002Ffaq\u002Fbilling\u002Fdunning-and-payment-recovery","0.faq\u002F8.billing\u002F5.dunning-and-payment-recovery",{"title":509,"path":510,"stem":511},"Plan Changes and Proration","\u002Ffaq\u002Fbilling\u002Fsubscription-plan-changes","0.faq\u002F8.billing\u002F6.subscription-plan-changes",{"title":513,"path":514,"stem":515},"Backup Cards and Updaters","\u002Ffaq\u002Fbilling\u002Fbackup-cards-and-account-updaters","0.faq\u002F8.billing\u002F7.backup-cards-and-account-updaters",{"title":517,"path":518,"stem":519,"children":520,"icon":522},"Disputes and Compliance","\u002Ffaq\u002Fdisputes-risk-and-compliance","0.faq\u002F9.disputes-risk-and-compliance\u002Findex",[521,523,527,531,535,539,543,547,551,555,559,563,567],{"title":517,"path":518,"stem":519,"icon":522},"i-lucide-scale",{"title":524,"path":525,"stem":526},"Refunds vs Chargebacks","\u002Ffaq\u002Fdisputes-risk-and-compliance\u002Frefund-reversal-dispute-chargeback","0.faq\u002F9.disputes-risk-and-compliance\u002F1.refund-reversal-dispute-chargeback",{"title":528,"path":529,"stem":530},"PCI DSS","\u002Ffaq\u002Fdisputes-risk-and-compliance\u002Fpci-dss","0.faq\u002F9.disputes-risk-and-compliance\u002F10.pci-dss",{"title":532,"path":533,"stem":534},"KYC, AML and POPIA","\u002Ffaq\u002Fdisputes-risk-and-compliance\u002Fkyc-aml-sanctions-and-popia","0.faq\u002F9.disputes-risk-and-compliance\u002F11.kyc-aml-sanctions-and-popia",{"title":536,"path":537,"stem":538},"Incident Response","\u002Ffaq\u002Fdisputes-risk-and-compliance\u002Fpayment-incident-response","0.faq\u002F9.disputes-risk-and-compliance\u002F12.payment-incident-response",{"title":540,"path":541,"stem":542},"Card Chargebacks","\u002Ffaq\u002Fdisputes-risk-and-compliance\u002Fcard-chargebacks","0.faq\u002F9.disputes-risk-and-compliance\u002F2.card-chargebacks",{"title":544,"path":545,"stem":546},"Chargeback Evidence","\u002Ffaq\u002Fdisputes-risk-and-compliance\u002Fchargeback-evidence","0.faq\u002F9.disputes-risk-and-compliance\u002F3.chargeback-evidence",{"title":548,"path":549,"stem":550},"Debit Order Disputes","\u002Ffaq\u002Fdisputes-risk-and-compliance\u002Fdebit-order-disputes","0.faq\u002F9.disputes-risk-and-compliance\u002F4.debit-order-disputes",{"title":552,"path":553,"stem":554},"Payment Fraud","\u002Ffaq\u002Fdisputes-risk-and-compliance\u002Fpayment-fraud","0.faq\u002F9.disputes-risk-and-compliance\u002F5.payment-fraud",{"title":556,"path":557,"stem":558},"Card Testing and Velocity","\u002Ffaq\u002Fdisputes-risk-and-compliance\u002Fcard-testing-and-velocity-checks","0.faq\u002F9.disputes-risk-and-compliance\u002F6.card-testing-and-velocity-checks",{"title":560,"path":561,"stem":562},"Account Takeover","\u002Ffaq\u002Fdisputes-risk-and-compliance\u002Faccount-takeover-and-social-engineering","0.faq\u002F9.disputes-risk-and-compliance\u002F7.account-takeover-and-social-engineering",{"title":564,"path":565,"stem":566},"3DS and Fraud Prevention","\u002Ffaq\u002Fdisputes-risk-and-compliance\u002F3ds-and-fraud-prevention","0.faq\u002F9.disputes-risk-and-compliance\u002F8.3ds-and-fraud-prevention",{"title":568,"path":569,"stem":570},"Tokenisation and Encryption","\u002Ffaq\u002Fdisputes-risk-and-compliance\u002Ftokenisation-encryption-and-hashing","0.faq\u002F9.disputes-risk-and-compliance\u002F9.tokenisation-encryption-and-hashing",{"id":572,"title":573,"body":574,"description":856,"extension":857,"links":858,"meta":859,"navigation":860,"path":210,"seo":861,"sitemap":862,"stem":211,"__hash__":863},"docs\u002F0.faq\u002F2.accepting-payments\u002F6.payment-links.md","What Are Payment Links and How Do They Work?",{"type":575,"value":576,"toc":844},"minimark",[577,581,584,589,592,611,622,626,629,664,667,671,697,700,704,707,724,727,731,734,738,815,822,826],[578,579,580],"p",{},"A payment link is a secure URL that opens a checkout page where your customer can pay you. Instead of building a website with an integrated checkout, you create the link — usually from a dashboard or an app — and send it to the customer over WhatsApp, email, SMS, or by adding it to an invoice or social media post.",[578,582,583],{},"Payment links are one of the simplest ways to accept digital payments in South Africa, and they are a core part of what Kwik offers. They need no development work, no card machine and no website.",[585,586,588],"h2",{"id":587},"how-does-a-payment-link-work","How does a payment link work?",[578,590,591],{},"The flow is straightforward:",[593,594,595,599,602,605,608],"ol",{},[596,597,598],"li",{},"You create a link, typically specifying the amount, a description and a reference.",[596,600,601],{},"You share the link with your customer through any channel — WhatsApp is the most common in South Africa.",[596,603,604],{},"The customer taps the link and lands on a secure, hosted checkout page.",[596,606,607],{},"They choose how to pay — card, instant EFT, PayShap or another enabled method — and complete the payment.",[596,609,610],{},"You are notified that the payment succeeded, and the funds settle to your business bank account on your normal settlement cycle.",[578,612,613,614,617,618,621],{},"The checkout page is hosted by the payments provider, so card details never pass through your hands and the ",[615,616,528],"a",{"href":529}," security requirements are handled for you. Under the hood, a payment link is the same technology as a ",[615,619,620],{"href":206},"hosted checkout",", just reachable by URL instead of embedded in a website flow.",[585,623,625],{"id":624},"what-can-customers-pay-with-on-a-payment-link","What can customers pay with on a payment link?",[578,627,628],{},"That depends on which methods your provider supports and you have enabled. Typical options for South African customers include:",[630,631,632,642,651,658],"ul",{},[596,633,634,638,639],{},[635,636,637],"strong",{},"Debit and credit cards",", verified with ",[615,640,641],{"href":265},"3-D Secure",[596,643,644,647,648],{},[635,645,646],{},"Instant EFT",", paying directly from internet banking at Absa, FNB, Nedbank, Standard Bank, Capitec and others — see ",[615,649,650],{"href":128},"instant EFT and open banking",[596,652,653,655,656],{},[635,654,462],{},", for real-time account-to-account payments — see ",[615,657,462],{"href":463},[596,659,660,663],{},[635,661,662],{},"Digital wallets"," such as Apple Pay and Google Pay on supported devices",[578,665,666],{},"Offering more than one method on the link improves the chance the customer completes the payment.",[585,668,670],{"id":669},"what-types-of-payment-links-are-there","What types of payment links are there?",[630,672,673,679,685,691],{},[596,674,675,678],{},[635,676,677],{},"Once-off links"," for a single payment of a fixed amount, such as an invoice or quote.",[596,680,681,684],{},[635,682,683],{},"Reusable links"," that can be paid multiple times, useful for a standard product, donation or event ticket.",[596,686,687,690],{},[635,688,689],{},"Open-amount links"," where the customer enters the amount, common for donations and account top-ups.",[596,692,693,696],{},[635,694,695],{},"Links with expiry dates",", so a quote or offer cannot be paid after it lapses.",[578,698,699],{},"Availability of each type varies by provider.",[585,701,703],{"id":702},"who-are-payment-links-best-for","Who are payment links best for?",[578,705,706],{},"Payment links suit any business that invoices or bills customers directly rather than through an online store:",[630,708,709,712,715,718,721],{},[596,710,711],{},"Freelancers and consultants attaching a link to an invoice",[596,713,714],{},"Trades and services collecting deposits or final payment on completion",[596,716,717],{},"Sellers on Instagram, Facebook Marketplace or WhatsApp who have no website",[596,719,720],{},"Businesses taking phone or email orders",[596,722,723],{},"Schools, clubs and charities collecting fees and donations",[578,725,726],{},"They are also useful alongside a full website — for example, to recover a failed online payment or to charge a custom amount agreed with a specific customer.",[585,728,730],{"id":729},"are-payment-links-safe","Are payment links safe?",[578,732,733],{},"Yes, when they come from a reputable provider. The checkout page is encrypted, card payments are verified with 3-D Secure, and the merchant never sees the customer's card details. Customers should still be cautious of links from unknown senders; as a business, sending links from a recognisable number or email address, with a clear description and reference, helps customers trust the request.",[585,735,737],{"id":736},"payment-links-vs-other-ways-to-get-paid","Payment links vs other ways to get paid",[739,740,741,759],"table",{},[742,743,744],"thead",{},[745,746,747,750,753,756],"tr",{},[748,749],"th",{},[748,751,752],{},"Payment link",[748,754,755],{},"Online checkout",[748,757,758],{},"Card machine",[760,761,762,776,787,801],"tbody",{},[745,763,764,768,771,774],{},[765,766,767],"td",{},"Website needed",[765,769,770],{},"No",[765,772,773],{},"Yes",[765,775,770],{},[745,777,778,781,783,785],{},[765,779,780],{},"Hardware needed",[765,782,770],{},[765,784,770],{},[765,786,773],{},[745,788,789,792,795,798],{},[765,790,791],{},"Setup effort",[765,793,794],{},"Minutes",[765,796,797],{},"Development work",[765,799,800],{},"Device delivery and setup",[745,802,803,806,809,812],{},[765,804,805],{},"Best for",[765,807,808],{},"Remote, invoice-based billing",[765,810,811],{},"E-commerce",[765,813,814],{},"Face-to-face sales",[578,816,817,818,821],{},"If your billing is recurring — subscriptions, memberships, instalments — a ",[615,819,820],{"href":273},"debit order"," collected against a mandate is usually a better fit than sending a link every month.",[585,823,825],{"id":824},"related-reading","Related reading",[630,827,828,833,838],{},[596,829,830],{},[615,831,832],{"href":190},"How do I accept payments online?",[596,834,835],{},[615,836,837],{"href":214},"Which payment methods should your business offer?",[596,839,840,841],{},"Back to the ",[615,842,843],{"href":183},"accepting payments hub",{"title":845,"searchDepth":846,"depth":847,"links":848},"",1,2,[849,850,851,852,853,854,855],{"id":587,"depth":847,"text":588},{"id":624,"depth":847,"text":625},{"id":669,"depth":847,"text":670},{"id":702,"depth":847,"text":703},{"id":729,"depth":847,"text":730},{"id":736,"depth":847,"text":737},{"id":824,"depth":847,"text":825},"Learn how payment links let you get paid without a website by sharing a secure checkout URL via WhatsApp, email, SMS or invoice.","md",null,{},{"title":209},{"title":573,"description":856},{"loc":210},"SnaZaDK6xMaiiexiUi-GVArRpBQnAt41XCz8SHpU898",[865,867],{"title":205,"path":206,"stem":207,"description":866,"children":-1},"Compare hosted payment pages, embedded checkout components and direct API integrations, including the security, PCI and development trade-offs of each.",{"title":213,"path":214,"stem":215,"description":868,"children":-1},"How to choose the right payment methods for your business by weighing customer preference, cost, settlement speed, risk and recurring billing needs.",1785156387330]