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Payment Links are shareable URLs that direct customers to a Quidkey-hosted checkout page for bank-to-bank payments. Create a link, send it to your customer via email, SMS, or any messaging channel, and get paid — no frontend integration needed. Payment Links and the Embedded Flow serve different integration needs:
Payment LinksEmbedded Flow
Best forInvoicing, ad-hoc payments, no-code scenariosE-commerce checkouts, in-app payments
Integration effortAPI call to create link, then share the URLEmbed iframe, handle postMessage events
Customer experienceQuidkey-hosted checkout pageInline checkout on your site
Frontend codeNoneHTML/JavaScript for iframe
Use caseB2B invoices, service payments, cross-border pay-insOnline stores, subscription platforms
Already using the Embedded Flow? You can use both. Payment Links are ideal for scenarios where you need to collect a payment outside your checkout page — like sending an invoice link via email.

How It Works

Every payment link has a status that tracks its progress:
StatusMeaning
ACTIVEReady for use. Customers can open the link and complete payment.
USEDPayment completed (single-use links only). The link can no longer accept payments.
EXPIREDPast its expiry time. Default expiry is 7 days, configurable at creation.
CANCELLEDManually cancelled via API.
Single-use vs Reusable: By default, links are single-use — they transition to USED when a customer completes payment. Set link_type: "reusable" to create links that stay ACTIVE for repeated payments (useful for donation pages or recurring invoices).

Key Features

  • Shareable URLs — Send via any channel: email, SMS, WhatsApp, messaging apps
  • Hosted checkout — Quidkey-branded checkout page, no frontend code needed
  • Configurable expiry — Default 7 days, or set a custom duration
  • Single-use and reusable — One-time payment links or persistent links for repeated use
  • View tracking — See how many times a link has been opened
  • Recoverable URLs — Copy the link URL at any time from the Console or API (encrypted token storage)
  • Link-to-transaction — When a link is used, navigate directly to the resulting transaction

Next Steps

1

Create your first payment link

Follow the Create a Payment Link guide to generate and share your first link.
2

Understand the checkout experience

See what your customers see when they open a payment link.
3

Track and manage links

Learn how to monitor payment status, handle webhooks, and list your links.