Payment Links for Business: The Fastest Way to Get Paid

Payment links are one of the fastest, easiest ways to offer B2B payments. You don’t need a website, a checkout, or any technical setup – by sending a secure link directly to a customer, you can collect payments faster, reduce admin, and keep cash flow moving. Whether you’re invoicing clients, selling services, or offering flexible terms, payment links make getting paid simple and scalable.

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What is a payment link and how does it work?

A payment link is a secure, clickable URL or scannable QR code that lets customers pay you instantly online​. Instead of setting up a full ecommerce payment processing system, you simply create a link tied to a payment amount and send it directly to your customer.

When the customer clicks the link:

• They’re taken to a secure payment page
• They can pay by card, bank transfer or digital wallet
• You get notified once the payment is complete​​

If you’re selling to a diverse audience – say, a mix of in person sales, online transactions and different product types – payment links remove barriers to payment, making it faster for you to invoice and easier for customers to settle up.

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How to create a payment link quickly and for free

Creating a payment link usually takes just a few minutes. The exact process depends on the provider you choose, but typically it looks like this:

• Log into your PSP or payments platform
• Choose "Create payment link" or "Pay link"
• Enter the payment amount and customer details
• Generate the link and send it by email, text, or through your website​​

Some providers are more flexible. For example, with iwocaPay, you can create three types of payment links​:

• Universal links: Customers enter their own amount
• Package links: Fixed amount links for set products or services
• Custom links: One-off links tied to a specific invoice

The main advantage here is simplicity. There’s no need to build a full ecommerce site or hire a developer. Just generate, send and get paid.

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How to create a payment link for a bank account?

Working with bank accounts rather than credit cards means choosing a PSP or platform that supports direct bank transfers. iwocaPay links, for example, settle funds straight into your business bank account without card processing fees​.

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Is link payment safe for your business and customers?

Yes, when handled by a reputable provider, payment links are highly secure. Platforms encrypt sensitive data and direct customers through protected checkout pages to complete transactions​.

iwocaPay ensures all links meet strict security standards, including encryption and fraud monitoring, whether your customers choose to Pay Now or Pay Later​.

How secure is it to request payments using a link?

It’s very secure, provided you use a trusted provider. Look for platforms with encryption, PCI DSS compliance, and strong anti-fraud systems.

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What are the benefits of payment links for business owners?

For B2B businesses, payment links offer practical, strategic advantages:

• Faster cash flow: Cut time-to-payment by offering instant settlement options
• Smoother customer experience: Professional, flexible ways to pay strengthen client relationships
• Easier administration: Simplify payment reconciliation and reduce reliance on manual invoice chasing
• Improved flexibility: Allow clients to pay upfront or in B2B instalment payments based on project needs
• Compliance-friendly: Trackable, logged payments make it easier to track your inbound cash flow.

Adding payment links can also include strategies like prompt payment discount offers, helping you encourage faster settlement without harming cash control.

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How to send a payment link that gets you paid faster

Given that a payment link for business has to be sent to a client, the message you’re sharing matters as well as the link itself. When sending a payment link:

• Personalise the message: Reference the project, invoice or contract it relates to
• Set clear due dates and expectations: Make sure it aligns with the payment terms on the invoice.
• Offer clients flexible payment methods if possible (including Pay Now or Pay Later)
• Monitor link clicks and follow up politely if payment isn't completed

With iwocaPay, sending a link is as simple as copying it into your invoice, email or customer message​ — and your client can pay securely with minimal friction.

How to send a payment link?

Once you’ve generated the link via your payment provider, just copy and paste it into an invoice, email, or CRM message. Always reference the service or order it relates to for faster, easier payment acceptance.

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How to use payment links to offer Buy Now Pay Later to trade customers

In B2B sales, clients often request longer payment terms, putting more pressure on your cash flow and increasing the risk of late payments. Payment links with embedded B2B Buy Now Pay Later options can solve this problem without risking your own liquidity.

With iwocaPay:

• You send a single secure payment link
• The client can either Pay Now immediately
• Or apply to Pay Later, spreading their payment over 3 or 12 months
• You still get paid upfront and in full by iwocaPay​​

This allows you to support client needs for flexibility without carrying the risk or waiting months for settlement.

Can I offer flexible payment terms using a payment link?

Yes. iwocaPay links embed flexible instalment options directly into the payment process, protecting your cash flow while supporting your clients.

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Can your team scale with payment link systems?

Traditional invoicing processes can be resource-heavy as you grow. Payment links offer a simple B2B payment method without extra operational drag.

Benefits include:

• Reducing manual payment tracking
  Faster payment allocations
• Supporting multiple teams (sales, finance, customer service) through a unified system
• Integration into automated invoicing and b2b payment processing tools

This means that as your sales volume scales up, your collections process doesn’t have to slow down.

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Which payment link providers are best for UK businesses?

Choosing the right provider matters, especially when you manage high-value or high volume B2B transactions.

Top options include:

• iwocaPay: Best for B2B businesses needing instant settlement, trade credit, and simple setup​
• Worldpay: Strong for retail and multi-channel businesses​
• GoCardless: Well-suited for subscription and recurring payments​
• PayPal: Accessible option for small businesses needing broad customer acceptance​

Choosing a provider that supports flexible payment terms, strong reporting, and built-in integration into your accounting systems will serve you better long term.

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Choosing the right payment link provider for your business

If your business relies on fast payments, whether by invoice, email or in person, using a professional payment link system can transform how you manage cash flow and customer relationships.

iwocaPay offers a simple, scalable way to send secure links, get paid instantly, and support flexible trade terms,  all without chasing payments or carrying credit risk.

Benefits include:

• Instant settlement via Pay Now, straight into your bank account
• B2B BNPL options with Pay Later, so customers can spread costs while you get paid upfront
• No developer setup: just generate and send from your dashboard
• Customisable links for different projects, clients or packages
• Easy tracking and reconciliation across your customer base

If you're ready to simplify your payment process and speed up your cash flow, book a call with our team.