# Pay by Link

MONEI's [Pay by Link](https://monei.com/features/pay-by-link/) feature lets you create manual orders and accept customer payments from a link, in one click.

You can create and customize your Pay by Link page with your logo and brand colors for the main CTA button. Then create a payment request link that you can send to your customers.

note

Your payment links use a MONEI URL by default. To show your own brand in the link, [connect a custom domain](https://docs.monei.com/manage-account/customization/.md#custom-domain-steps) — you'll need to own the domain.

You'll avoid spending time creating manual invoices by creating secure payment links that are hosted by us. No coding required. You'll be able to accept all the payment methods that are configured in your MONEI account.

## Use Pay by Link without a website[​](#without-website "Direct link to Use Pay by Link without a website")

Yes, it's possible to send payment links using [Pay by Link](https://monei.com/features/pay-by-link/) without a website via WhatsApp, social media, or email. But if you don't also have an e-commerce website, while you're creating your MONEI account you must select **Physical store** when filling out the [business details forms](https://dashboard.monei.com/onboarding?step=1). If you select **E-commerce, online store** you will be required to provide a website URL to complete your account setup.

## Create a payment link[​](#manual-payment "Direct link to Create a payment link")

You can create payment links directly from the MONEI Dashboard without writing any code.

### 1. Navigate to Payments[​](#1-navigate-to-payments "Direct link to 1. Navigate to Payments")

Go to [MONEI Dashboard → Payments](https://dashboard.monei.com/payments) and click the **Pay by Link** button.

![Dashboard Payments](/img/pay-by-link/dashboard-payments.png)

### 2. Fill in the payment form[​](#2-fill-in-the-payment-form "Direct link to 2. Fill in the payment form")

Fill in the payment details. Some fields are always required, while others depend on the selected payment methods.

Quick summary

* **Always required**: Amount, Allowed payment methods.
* **Conditionally required**: Customer email and Billing Address (for specific methods).
* **Optional**: Expiration date, Order ID, customer details, description, store, shipping address.

| Field                       | Status        | Notes                                                   |
| --------------------------- | ------------- | ------------------------------------------------------- |
| **Amount**                  | `Required`    | Payment amount in your account currency                 |
| **Allowed payment methods** | `Required`    | At least one method must be selected                    |
| **Expiration date**         | `Optional`    | Defaults to 7 days from creation; must be a future date |
| **Order ID**                | `Optional`    | Alphanumeric identifier, max 40 characters              |
| **Customer name**           | `Optional`    |                                                         |
| **Customer email**          | `Conditional` | Required when Multibanco or MB WAY is selected          |
| **Customer phone**          | `Optional`    |                                                         |
| **Description**             | `Optional`    | Custom description attached to the payment              |
| **Store**                   | `Optional`    | Only visible if you have multiple stores configured     |
| **Billing Address**         | `Conditional` | Required when Multibanco or MB WAY is selected          |
| **Shipping Address**        | `Optional`    | Optional, collapsible section                           |

![Create Payment Form](/img/pay-by-link/create-payment-form.png)

#### Conditional behavior by payment method[​](#conditional-behavior-by-payment-method "Direct link to Conditional behavior by payment method")

The form adapts automatically based on the selected payment methods.

**Billing Address and Customer Email become required** when any of these payment methods is selected:

* Multibanco
* MB WAY

![Billing Address](/img/pay-by-link/billing-address.png)

**Manually capture payment** checkbox appears only when **all** selected payment methods support manual capture:

* Card
* PayPal
* Bizum

If any other method is included (e.g. Multibanco), the manual capture option is hidden.

![Manual Capture](/img/pay-by-link/manual-capture.png)

### 3. Review and send the payment link[​](#3-review-and-send-the-payment-link "Direct link to 3. Review and send the payment link")

After clicking **Create payment**, a **Send payment request** modal appears where you can review the payment details before sending the link to your customer.

![Send Payment Request](/img/pay-by-link/send-payment-request.png)

From this modal you can configure:

* **Delivery channel** — Choose how to deliver the link: Email, WhatsApp, SMS, or Payment request.
* **Send to** — The recipient's email address or phone number, depending on the selected channel.
* **Customer language** — The language for the payment page and notification (English, Español, Català, Português, Deutsch, Italiano, Français).

![Delivery Channel](/img/pay-by-link/delivery-channel.png)

![Customer Language](/img/pay-by-link/customer-language.png)

The modal also shows a **preview** of the payment notification (order ID, amount, date, billing details), plus a **Permalink** and **Get short link** option to copy the payment URL directly without sending a notification.

Once you've sent the payment link, the order status changes to **Payment pending**. Find all your pending payments via the **Payments** tab — [here is a shortcut](https://dashboard.monei.com/payments). Your customer receives a notification through the selected channel.

You can customize the appearance of your Pay by Link page in your [branding settings](https://dashboard.monei.com/settings/branding). If you configure branding settings in your account, the customer will see your logo and branding.

Developers

To create payment links programmatically and handle the result via webhooks, see the [Pay by Link API integration guide](https://docs.monei.com/integrations/pay-by-link/.md).

## Send links and receipts via WhatsApp[​](#whatsapp "Direct link to Send links and receipts via WhatsApp")

As of 2023, over 2.24 billion people use WhatsApp monthly, making it one of the most popular global mobile messenger apps. Sending payment requests and receipts (using Pay by Link) via this channel reduces friction, speeds up the payment process, and lets customers pay via a channel they use regularly and are familiar with.

Here's how WhatsApp payment requests and receipts via MONEI work:

1. Log in to your [dashboard](https://dashboard.monei.com/).
2. Go to the [Payments](https://dashboard.monei.com/payments) tab.
3. Click the **Pay by Link** button.
4. Fill out the **Create payment** form. You must enter the customer's phone number, but leave out the customer's email address if they want the receipt to be sent via WhatsApp. Entering billing and shipping addresses is not required to send [payment requests via WhatsApp](https://monei.com/features/whatsapp-payments/).
5. Click **Create payment for \[€ amount]**.
6. Verify the information on the next screen and click **Send payment link**.
7. The customer receives a pending payment request notification via WhatsApp and clicks **Pay now**.
8. The customer is redirected to a secure payment page where they can choose their preferred payment method to complete the transaction.
9. The customer automatically receives a receipt via WhatsApp and can click **Open receipt** to view it.

Additional information:

* Receipts are automatically sent via WhatsApp as long as the payee's phone number has been entered.
* If the phone number is not associated with a WhatsApp account, the payment request and receipt will be sent via SMS or email.
* Customers who pay via Bizum automatically receive receipts via WhatsApp as long as they're on WhatsApp (otherwise it will be sent via SMS) — customers are required to enter their phone number for Bizum payments.

## Business types that use Pay by Link[​](#business-types "Direct link to Business types that use Pay by Link")

Pay by Link can be used by any business to send a payment link via SMS, email, or WhatsApp and does not require a website. It's especially helpful for processing wholesale orders and payments for service-based businesses. If you're wholesaling, include a payment link on purchase orders to make it quick and easy for your clients to pay.

Some of the most common Pay by Link use cases are:

* Service-based businesses ranging from house cleaners to personal trainers to freelancers
* Luxury car rental companies
* Auto mechanics
* Luxury airline companies
* Distribution companies

## Common questions[​](#common-questions "Direct link to Common questions")

### Do I need a website to use Pay by Link?[​](#need-website "Direct link to Do I need a website to use Pay by Link?")

No. You can send payment links via WhatsApp, social media, or email without a website. Select **Physical store** during onboarding if you don't have an e-commerce site.

### What payment methods can customers use?[​](#payment-methods "Direct link to What payment methods can customers use?")

Customers can pay with all the payment methods configured in your MONEI account.