{"id":70936,"date":"2026-07-13T11:06:11","date_gmt":"2026-07-13T09:06:11","guid":{"rendered":"https:\/\/www.centralpay.com\/?p=70936"},"modified":"2026-08-31T12:37:51","modified_gmt":"2026-08-31T10:37:51","slug":"credit-card-payment-link-how-does-it-work","status":"publish","type":"post","link":"https:\/\/www.centralpay.com\/en\/blog\/credit-card-payment-link-how-does-it-work\/","title":{"rendered":"Credit card payment link : how does it work ?"},"content":{"rendered":"\n<h2 class=\"wp-block-heading has-text-align-left\">What is a credit\/debit card payment link ?<\/h2>\n\n<p class=\"wp-block-paragraph\">A credit card payment link is a solution that allows a business to request a remote payment by sending a simple, secure link to its customer.<\/p>\n\n<p class=\"wp-block-paragraph\">The user is redirected to a payment page where they can pay for their purchase by bank card, without needing to travel or access a website.<\/p>\n\n<p class=\"wp-block-paragraph\">The credit card payment link is typically generated by a payment platform. It can be customized to include the amount due, the currency, an expiration date, or an order reference.<br\/><br\/>Once created, it can be sent through various channels (email, text message, QR code, etc.). The customer simply clicks on the link, enters their credit card information, and confirms the payment on a secure page.<\/p>\n\n<p class=\"wp-block-paragraph\">This solution is particularly well-suited for businesses that wish to accept remote payments simply, quickly, and securely, without developing a complex payment process.<\/p>\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-fe48e5de wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-outline is-style-outline--1\"><a class=\"wp-block-button__link has-text-align-left wp-element-button\" href=\"https:\/\/www.centralpay.com\/en\/solutions\/payments\/payment-links\/\">Discover the CentralPay payment link solution \u279c<\/a><\/div>\n<\/div>\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading has-text-align-left\">How does a credit\/debit card payment link work ?<\/h2>\n\n<p class=\"wp-block-paragraph\">How a credit card payment link works is simple. In just a few steps, a business can create a payment request and allow its customer to make a secure remote payment.<\/p>\n\n<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading has-text-align-left\">Creation of the payment link<\/h3>\n\n<p class=\"wp-block-paragraph\">The company generates a credit card payment link via its platform or payment service provider. It enters the necessary information, such as the payment amount, currency, transaction description, or expiration date.<\/p>\n\n<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading has-text-align-left\">Sending to the client<\/h3>\n\n<p class=\"wp-block-paragraph\">Once the link has been created, it can be sent to the client via various channels :<\/p>\n\n<ul class=\"wp-block-list\">\n<li>E-mail,<\/li>\n\n\n\n<li>SMS,<\/li>\n\n\n\n<li>Instant messaging,<\/li>\n\n\n\n<li>QR Code.<\/li>\n<\/ul>\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p class=\"wp-block-paragraph\">The customer receives the credit card payment link and accesses a secure payment page with a single click.<\/p>\n\n<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading has-text-align-left\">Secure payment<\/h3>\n\n<p class=\"wp-block-paragraph\">The customer enters their bank card details and confirms the payment. In accordance with regulatory requirements, strong authentication (3D Secure) may be requested to secure the transaction.<\/p>\n\n<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading has-text-align-left\">Transaction confirmation<\/h3>\n\n<p class=\"wp-block-paragraph\">Once the payment is authorized, the customer receives a confirmation, and the company is immediately notified of the transaction&#8217;s success. It can track the payment in real time via its interface and, if necessary, initiate the next steps, such as order delivery or service validation.<\/p>\n\n<p class=\"wp-block-paragraph\">Thanks to this mechanism, the credit card payment link enables the rapid collection of remote payments while offering customers a simple and secure experience.<\/p>\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading has-text-align-left\">The benefits of a credit\/debit card payment link<\/h2>\n\n<p class=\"wp-block-paragraph\">The credit card payment link is a flexible solution that meets the needs of businesses looking to accept remote payments. Easy to set up, it enhances the customer experience while simplifying payment collection.<\/p>\n\n<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading has-text-align-left\">Collect remote payments<\/h3>\n\n<p class=\"wp-block-paragraph\">The main advantage of a credit card payment link is that it allows you to request payment without the customer being physically present. It is an ideal solution for sales.<\/p>\n\n<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading has-text-align-left\">Accelerate collections<\/h3>\n\n<p class=\"wp-block-paragraph\">The payment link can be sent immediately after an order, the provision of a service, or the issuance of an invoice. By reducing the time between the payment request and settlement, it helps improve the company&#8217;s cash flow.<\/p>\n\n<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading has-text-align-left\">Deliver a seamless customer experience<\/h3>\n\n<p class=\"wp-block-paragraph\">The customer receives a secure link and can complete their purchase in just a few clicks, using a computer, tablet, or phone. This simplicity encourages payment completion and minimizes cart abandonment.<\/p>\n\n<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading has-text-align-left\">Reduce outstanding payments<\/h3>\n\n<p class=\"wp-block-paragraph\">The payment link simplifies payment reminders by allowing a payment request to be resent quickly. It can be embedded in automated emails or text messages to encourage the customer to pay sooner.<\/p>\n\n<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading has-text-align-left\">Securing transactions<\/h3>\n\n<p class=\"wp-block-paragraph\">Payments are processed on a secure page that complies with current requirements. Banking data is protected, and strong authentication (3D Secure) is implemented where necessary to enhance transaction security.<\/p>\n\n<p class=\"wp-block-paragraph\">Thanks to these advantages, the credit card payment link offers an effective solution for simplifying collections, enhancing the customer experience, and optimizing payment recovery.<\/p>\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading has-text-align-left\">In which situations should you use a payment link ?<\/h2>\n\n<p class=\"wp-block-paragraph\">The credit card payment link is suitable for a wide range of situations. It offers a practical solution for businesses looking to collect remote payments without setting up a complex purchasing process.<\/p>\n\n<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading has-text-align-left\">Pay an invoice<\/h3>\n\n<p class=\"wp-block-paragraph\">The payment link can be embedded directly into an invoice or sent via email. The customer accesses a secure page and makes the payment in just a few clicks, helping to speed up collections.<\/p>\n\n<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading has-text-align-left\">Collect a deposit<\/h3>\n\n<p class=\"wp-block-paragraph\">Before commencing a service or delivering a product, a company can request a down payment via a payment link. This solution secures the order and reduces the risk of cancellation.<\/p>\n\n<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading has-text-align-left\">Finalize an accepted quote<\/h3>\n\n<p class=\"wp-block-paragraph\">Once a quote is approved, a payment link can be sent to quickly confirm the order, without further interaction with the client.<\/p>\n\n<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading has-text-align-left\">Distance selling<\/h3>\n\n<p class=\"wp-block-paragraph\">The payment link is particularly well-suited for sales made via telephone, email, or social media. It allows you to collect payments without having an e-commerce website.<\/p>\n\n<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading has-text-align-left\">Manage payment reminders<\/h3>\n\n<p class=\"wp-block-paragraph\">In the event of a late payment, a link can be included in a reminder email or SMS. This allows the customer to settle the outstanding amount immediately, thereby facilitating debt recovery and reducing collection times.<\/p>\n\n<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading has-text-align-left\">Process a booking payment<\/h3>\n\n<p class=\"wp-block-paragraph\">Sectors such as hospitality, dining, leisure, and services can use a payment link to confirm a reservation or request payment for a service before it is provided.<\/p>\n\n<p class=\"wp-block-paragraph\">Thanks to its simplicity and flexibility, the credit card payment link meets the needs of many businesses, regardless of their sector.<\/p>\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading has-text-align-left\">Criteria for choosing a payment link solution<\/h2>\n\n<p class=\"wp-block-paragraph\">Not all payment link solutions offer the same features. To choose a tool suited to your business, it is important to consider several criteria in order to provide a seamless payment experience while simplifying the management of incoming payments.<\/p>\n\n<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading has-text-align-left\">Rapid link creation<\/h3>\n\n<p class=\"wp-block-paragraph\">The solution must enable the generation of a payment link in just a few clicks, without requiring technical skills. The simpler the creation process, the greater the teams&#8217; efficiency.<\/p>\n\n<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading has-text-align-left\">A seamless payment experience<\/h3>\n\n<p class=\"wp-block-paragraph\">The checkout process must be intuitive, fast, and compatible with all devices. A mobile-optimized interface helps improve the conversion rate.<\/p>\n\n<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading has-text-align-left\">A variety of payment methods<\/h3>\n\n<p class=\"wp-block-paragraph\">The solution must accept major payment methods in order to meet customer preferences.<\/p>\n\n<p class=\"wp-block-paragraph\">For example :<\/p>\n\n<ul class=\"wp-block-list\">\n<li>Credit cards,<\/li>\n\n\n\n<li>E-wallets,<\/li>\n\n\n\n<li>Pay by Bank,<\/li>\n\n\n\n<li>SEPA Direct Debit.<\/li>\n<\/ul>\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-fe48e5de wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-outline is-style-outline--2\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.centralpay.com\/en\/solutions\/collection-solution\/payment-methods\/\">Discover the payment methods offered by CentralPay \u279c<\/a><\/div>\n<\/div>\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading has-text-align-left\">A high level of security<\/h3>\n\n<p class=\"wp-block-paragraph\">Payments must be processed in a secure environment, using mechanisms such as data encryption, <a href=\"https:\/\/www.francenum.gouv.fr\/guides-et-conseils\/developpement-commercial\/solutions-de-paiement\/paiements-en-ligne\" target=\"_blank\" rel=\"noopener\">strong authentication<\/a> (3D Secure), and compliance with applicable regulations.<\/p>\n\n<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading has-text-align-left\">Automation features<\/h3>\n\n<p class=\"wp-block-paragraph\">Certain solutions enable the automation of payment link creation and distribution, as well as follow-ups for non-payment. These features reduce administrative tasks and accelerate payment collection.<\/p>\n\n<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading has-text-align-left\">Real-time payment tracking<\/h3>\n\n<p class=\"wp-block-paragraph\">Finally, a high-performance solution must offer reporting tools that enable tracking of payment status, identification of pending transactions, and effective management of collections.<\/p>\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading has-text-align-left\">Create payment links with CentralPay<\/h2>\n\n<p class=\"wp-block-paragraph\">As an authorized payment institution, CentralPay offers a payment link solution that enables businesses to collect remote payments simply, quickly, and securely.<\/p>\n\n<p class=\"wp-block-paragraph\">In just a few clicks, businesses can generate a personalized payment link and send it to their customers via their preferred channel\u2014whether email, SMS, or instant messaging.<\/p>\n\n<p class=\"wp-block-paragraph\">CentralPay solutions allow you to :<\/p>\n\n<ul class=\"wp-block-list\">\n<li>Create payment links in just a few clicks.<\/li>\n\n\n\n<li>accept multiple payment methods securely,<\/li>\n\n\n\n<li>track transactions in real time,<\/li>\n\n\n\n<li>automate the sending of payment links via API,<\/li>\n\n\n\n<li>integrate payment links into business tools,<\/li>\n\n\n\n<li>Simplify payment reminders by sending new payment links.<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">With a secure infrastructure that meets regulatory requirements, CentralPay helps businesses accelerate collections, reduce payment delays, and offer a seamless payment experience to their customers.<\/p>\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-fe48e5de wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-outline is-style-outline--3\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.centralpay.com\/en\/contact\/\">Do you want to send payment links ? Contact CentralPay \u279c<\/a><\/div>\n<\/div>\n\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<script type=\"application\/ld+json\">\r\n{\r\n  \"@context\": \"https:\/\/schema.org\",\r\n  \"@type\": \"BlogPosting\",\r\n  \"name\": \"Credit card payment link : complete guide\",\r\n  \"headline\": \"Credit card payment link : how does it work ?\",\r\n  \"datePublished\": \"July 13, 2026\",\r\n  \"dateModified\": \"July 13, 2026\",\r\n  \"description\": \"Discover how a credit card payment link works, its benefits, and use cases for collecting payments from your customers remotely.\",\r\n  \"image\": {\r\n  \"@type\": \"ImageObject\",\r\n  \"height\": \"600\",\r\n  \"width\": \"1000\",  \"url\":\"https:\/\/www.centralpay.com\/wp-content\/uploads\/2026\/07\/lien-de-paiement-par-carte-bancaire.jpg\"\r\n  },\r\n  \"author\": {\r\n  \"@type\": \"Person\",\r\n  \"name\": \"CentralPay\"\r\n  },\r\n  \"publisher\": {\r\n  \"@type\": \"Organization\",\r\n  \"name\": \"CentralPay\",\r\n  \"logo\": {\r\n  \"@type\": \"imageObject\",\r\n  \"url\": \"https:\/\/www.centralpay.com\/assets\/images\/logo.png\"\r\n  }\r\n  },\r\n  \"mainEntityOfPage\": true,\r\n  \"url\": \"https:\/\/www.centralpay.com\/en\/blog\/credit-card-payment-link-how-does-it-work\/\"\r\n}\r\n<\/script>\r\n","protected":false},"excerpt":{"rendered":"<p>A credit card payment link is a quick and simple solution for collecting remote payments. Requiring neither a website nor a payment terminal, it allows businesses to send a secure link to their customers via email, SMS, or instant messaging, enabling them to settle purchases in just a few clicks.<\/p>\n<p>Used for paying invoices, deposits, reservations, or quotes, payment links are increasingly popular with businesses due to their ease of implementation and flexibility. They help accelerate payment collection while offering a seamless, secure payment experience. How do credit card payment links work, and when are they most useful for businesses? Find out in this article!<\/p>\n","protected":false},"author":4,"featured_media":70914,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[157,1],"tags":[],"theme-darticle":[],"class_list":["post-70936","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-services-en","category-unclassified"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.centralpay.com\/en\/wp-json\/wp\/v2\/posts\/70936","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.centralpay.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.centralpay.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.centralpay.com\/en\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/www.centralpay.com\/en\/wp-json\/wp\/v2\/comments?post=70936"}],"version-history":[{"count":0,"href":"https:\/\/www.centralpay.com\/en\/wp-json\/wp\/v2\/posts\/70936\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.centralpay.com\/en\/wp-json\/wp\/v2\/media\/70914"}],"wp:attachment":[{"href":"https:\/\/www.centralpay.com\/en\/wp-json\/wp\/v2\/media?parent=70936"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.centralpay.com\/en\/wp-json\/wp\/v2\/categories?post=70936"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.centralpay.com\/en\/wp-json\/wp\/v2\/tags?post=70936"},{"taxonomy":"theme-darticle","embeddable":true,"href":"https:\/\/www.centralpay.com\/en\/wp-json\/wp\/v2\/theme-darticle?post=70936"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}