Pay by Link

MONEI's 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 — 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

Yes, it's possible to send payment links using 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. 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

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

1. Navigate to Payments

Go to MONEI Dashboard → Payments and click the Pay by Link button.

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

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

Manually 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.

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.

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).

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. Your customer receives a notification through the selected channel.

You can customize the appearance of your Pay by Link page in your branding settings. 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 , see the Pay by Link API integration guide.

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.
2. Go to the 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.
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

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

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?

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