# Paylink

This page provides an overview of Xplor Pay’s Paylink solution, which allows you to accept payments online by sending a secure payment link to your customers via text message (SMS) or email.

## About Paylink

The Xplor Pay’s Paylink enables you to collect payments securely by generating a payment link and sending it to your customers through SMS or email as an invoice payment request. This payment link directs your customers to a pre-generated payment form where they can complete the payment using a credit card, debit card, or ACH. Paylink Settings API allows you to integrate the hosted paylink into your website.

## Business challenges addressed

Paylink helps you overcome the challenges by:

* Eliminating the need to capture or store card details.
* Reducing PCI compliance exposure.
* Speeding up the payment process and collection through SMS or email.
* Providing a secure checkout experience to customers.

## Key capabilities

Using Paylink, you can:

* Send a secure payment link to customers via SMS or email.
* Accept credit card, debit card, and ACH payments.
* Use a PCI-compliant pre-generated hosted payment form.
* Configure billing address visibility and requirements.

## Use cases

Paylink is ideal for scenarios where payments are collected remotely, such as:

* Sending payment requests after services are completed.
* Accepting payments during phone or support interactions.
* Collecting an invoice or follow-up payment.
* Fast, minimum-touch online payments without a customer portal.

## Paylink process flow

{% stepper %}
{% step %}
**Review Paylink settings.**

Confirm that Paylink is enabled for the terminal. If required, enable Paylink and configure the settings.
{% endstep %}

{% step %}
**Generate a payment link.**

Generate a secure Paylink URL to request payment from your customer. The Paylink URL is tied to the configured terminal and payment details.
{% endstep %}

{% step %}
**Send payment link via SMS or email.**

Send the secure Paylink URL to your customer by text message (SMS) or email, such as an invoice email.
{% endstep %}

{% step %}
**Customer completes the payment.**

The Paylink URL directs the customer to a hosted payment form, where they complete the payment using a credit card, debit card, or ACH.

Based on the payment result, the customer is redirected to a success or cancellation page.
{% endstep %}
{% endstepper %}

## Technical requirements

* Xplor Pay’s API access.
* An API access key.

## Related topic

* To learn how to implement the setup, see [Paylink](https://docs.xplorpay.com/api-reference/api/payments/gateway-settings/paylink).
* For API details, see [Paylink API Reference](https://docs.xplorpay.com/api-reference/api/payments/gateway-settings/paylink-settings).


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