Payment Link

Send a secure link via email or SMS for customers to pay in their own time. Brand your payment page, increase conversions, and get paid faster.

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Brand your payments page Send via Email or SMS Fast and secure

Secure, branded, convenient

Processed through our merchant panel or virtual terminal

What is a pay by link?

A pay by link is when you send your customer a secure link by either text message or email for them to open securely and pay a balance due in their own time. It is a secure payment method as the customer enters their own card details and the link is sent via their own communication method to an email address or mobile number given by the customer.

At Nation Options Limited, our very own merchant panel supports PBL in our own unique way. Brand your pay by link page in the colours and brand of your business, making the payment experience tailored to your business.

Learn about our merchant panel

Perfect for takeaways, restaurants, invoices

Capture deposit payments for tables, process orders, or collect additional/timed payments.

The Benefits of using Payment Link

Convenience

Customers pay from anywhere, any time, using their preferred payment method. No need to visit a physical store or carry cash.

Improved Cash Flow

Payments processed almost instantly — no waiting days or weeks for checks to clear. Get your funds faster.

Reduced Costs

Lower transaction fees compared to traditional methods like credit cards or checks. Save money on each payment.

Increased Security

Encrypted payment information, 3DS secure, reduced fraud risk. Safer than checks or cash.

Increased Sales

Attract new customers who prefer this method. Reduce shopping cart abandonment with easy checkout.

Flexibility

Send links for one-time, recurring, or pre-authorised payments. Customise options to meet customer needs.

How do I send a pay by link?

Directly from either your Nation Options Limited merchant panel or your third-party virtual terminal. Simply enter the email or contact number of the person you want to send the link to, the amount, and press send. You will then get a report on when the payment has been made.

Keep track of all transactions — opened, paid, pending
Send reminders directly from the panel
Integrates with Xero and QuickBooks accounting software

Brand your pay by link page

We can brand your pay by link page with your logo and change the colours to match your business. The payment experience becomes an extension of your brand.

Supported cards

Visa, Mastercard, American Express, and other major issuers.

Get branded payment links

Frequently Asked Questions

What is a pay by link?
A secure link sent via email or SMS enabling customers to make a secure payment.

What connectivity is required?
Internet connectivity to raise the pay by link from your merchant panel or virtual terminal.

Is a pay by link secure?
Yes — very secure, with added 3DS authentication.

What costs are involved?
Usual acquiring fees apply. Additional fees may include click fees or SMS batch fees if sending via SMS.

Can I brand my pay by link page?
Yes. We can brand it with your logo and custom colours.

Can I put a pay by link on my invoices?
With our new merchant panel, you can send invoices directly that include a pay by link. Integrates with Xero and QuickBooks.

Can I keep track of my transactions?
Yes — a designated area on our merchant platform delivers reports on what has been opened, paid, and what has not. Send reminders from here.

Is there a setup fee?
Usually no setup fee, unless your business needs a high-risk merchant account.

Will my high risk business get accepted?
Yes — acceptance is possible once your high-risk merchant account is approved.

View all PBL FAQs →

Alex MorganEntrepreneur

Sarah PatelMarketing Director

James LiuBusiness Owner

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