What is Pay by Link?
Pay by Link is a straightforward payment method that allows merchants to generate personalised payment links for individual transactions. Unlike traditional solutions, this approach gives you complete flexibility in how you handle sales.
Here's how it works: You create a payment link from your admin dashboard, then send it to your customer via email, SMS, or any messaging app. Your customer clicks the link, lands on a secure payment page, and completes their purchase in seconds.
It's a simple three-step process: create, share, collect. Generate your payment link with a few clicks, send it through whichever channel works best, and get immediate confirmation once payment goes through.
This simplicity transforms how merchants and customers interact. No account creation, no navigating through complicated websites—just straightforward, instant payments.
Thanks to payment links, we have significantly improved our invoice payment system and can offer a much more effective alternative to transfers for some of our professional customers. When we introduced payment links, it had an immediate and highly positive impact on our customer relations and our cash flow
Julien Dannonay, CEO at Action Karting
Why Choose Payment Links?
Sell Online Without an E-commerce Website
Don't have an online shop? Not a problem. Pay by Link lets you collect payments without any major technical investment.
This solution works brilliantly for activity or accommodation bookings, telephone orders, social media sales, and one-off events or markets.
You stay in complete control, tracking your payments in real-time: when links are viewed, payment attempts made, and transactions completed.
A Complete and Secure Banking Solution
Payment links deliver all the benefits of a professional payment system with none of the hassle.
Universal compatibility means that whether you're handling remote sales, in-store purchases, or event transactions, a link works everywhere. The flexibility lets customers pay when they're ready, without any pressure—making it a valuable tool for building customer relationships.
Rock-solid security protects every transaction through advanced banking protocols. 3D Secure authentication and anti-fraud modules keep your collections safe.
Brand consistency lets you add your logo and colours, creating a seamless experience that matches your brand identity. With comprehensive payment options, Monext's solution supports virtually every payment method available—not just bank cards, but meal vouchers, gift cards, PayPal, holiday vouchers, Apple Pay, and many more.
Lightning-fast payments mean your customers can complete purchases with just a few taps on their smartphone or computer. This smooth experience significantly boosts your conversion rates.
Practical Use Cases for Payment Links
For Professionals
Streamlined invoicing: Send payment links with your invoices and watch customers pay immediately—no more waiting for tedious bank transfers.
Securing deposits and bookings: Lock in your orders by requesting deposits through personalised payment links.
Efficient debt recovery: Chase up overdue invoices through a streamlined, professional process.
Card-not-present payments (MOTO): Handle transactions securely without the physical card present, eliminating the usual limitations and risks of traditional MOTO payments—perfect for remote orders or follow-up billing.
For Commerce
Flash sales: Payment links speed up purchases and maximise your sales during time-limited promotions.
Bespoke orders: For custom products or personalised quotes, generate links tailored to each unique situation.
Customer Testimonial
"Thanks to Pay by Link, we've dramatically improved our invoice collection process, offering a much more efficient alternative to bank transfers for our professional clients. Implementing payment links had an immediate and very positive impact on both our customer relationships and cash flow."
— Julien Dannonay, CEO @ Action Karting
Benefits for Your Customers
Effortless Experience
Your customers get a payment experience they already know and trust—the same smooth purchasing journey they use daily on their favourite shopping sites.
The process is immediate and friction-free. A few taps on a smartphone are all it takes to complete the purchase, with no apps to download or accounts to create.
Bank-Level Security
Every payment page meets the strictest banking standards. Your customers get the same protection they'd expect from major e-commerce platforms, with full PCI-DSS compliance ensuring their data stays safe.
Case Study: FloraJet Optimises Telephone Orders
FloraJet, a leading online flower delivery service, perfectly demonstrates Pay by Link's benefits. After 15 years partnering with Monext, the company integrated this solution to transform their telephone ordering process.
The challenge: While 90% of sales happened online, FloraJet still handled numerous phone orders for emergencies and special requests. They wanted to secure and streamline these transactions without losing the personal touch their customers valued.
The solution: Pay by Link deployment enabled advisors to instantly generate secure links during calls. Customers complete their payment on mobile with just a few taps, without sharing banking details over the phone.
The results: Complete security for telephone payments, faster order processing, maintained personalised customer service, and perfect adaptation to mobile usage (65% of orders completed on mobile by early 2025).
This approach allows FloraJet to blend traditional customer service with modern technology whilst maintaining their impressive 93.48% payment success rate.
Creating Effective Payment Links
Smart Personalisation
Tailor each link to your specific transaction. Amount, description, deadline, available payment methods—everything can be configured to match your exact requirements.
Multi-channel Approach
Send links by email for formal orders, by SMS for urgent reminders, or via social networks for spontaneous sales. The choice is entirely yours.
Real-time Tracking
Your dashboard provides instant updates: who's opened the link, who's attempted payment, and which transactions have been completed.
Implementation and Integration
Quick Start Without the Complexity
Whether you have an e-commerce site or not, Pay by Link adapts to your business. From your intuitive admin console or via API, you can create payment links with just a few clicks—no heavy technical installation required. The interface has been designed specifically for merchants, artisans, and entrepreneurs who want simplicity without compromising on reliability.
The process follows three simple steps: generate a payment link tailored to each order, let your customers pay online via a secure and personalised page, and receive real-time notifications whilst funds transfer automatically.
Integration That Grows with You
Already using invoicing software, CRM, or other business solutions? Our modules integrate seamlessly to automate link sending, track payments, and trigger customer follow-ups. Through our open APIs, you can connect payments to your existing setup without a complete technical overhaul.
Our solution supports both start-up merchants and established businesses looking to modernise their payment processing.
Dedicated Support
We understand that every business is different. That's why our team supports you from day one—with initial setup help, advice for optimising collections, and responsive customer support whenever you need it.
Security and Banking Compliance
Data Protection
All information travels through secure, encrypted channels. Advanced encryption and robust authentication protect every transaction from start to finish.
Regulatory Compliance
Our solution fully complies with European PSD2 directives and PCI-DSS standards. Your payments benefit from the same guarantees as traditional banking establishments, giving you and your customers complete peace of mind.
Anti-fraud Protection
Sophisticated algorithms analyse each transaction in real-time. This continuous monitoring minimises risks and protects your business from potential threats.
Transform Your Collections Today
Pay by Link transforms customer relationships and speeds up your collections. This solution works across all sectors: services, commerce, crafts, and professional services.
With just a few clicks, you create smooth and secure payment experiences that your customers will love whilst gaining the efficiency your business needs.
Ready to transform your collections? Discover all our payment solutions and optimise every transaction with our dedicated tools.
