In today’s fast-moving digital world, small businesses need smart and easy tools to collect payments. Many business owners still ask: “How do I collect money online without a website or app?” The answer is simple — use link payments.
In this blog, we will explain:
What link payments are
How they work
Why they are good for your business
How platforms like PayPlex make it easy to use them
We will also include important keywords like online payment, quick payer, payment on card, payment processing, and more in the most simple language.
What is a Link Payment?
A link payment is a special web link you can send to your customer to collect money. When they click the link, they are taken to a secure page to complete the payment.
Here’s how it works:
You create a payment link on a platform like PayPlex
You send the link to the customer (via SMS, WhatsApp, email, or social media)
The customer clicks the link and pays using UPI, card, or net banking
You receive the money in your account
That’s it! No app, no website needed.
???? Want to try it? Create your free account at PayPlex and start sending link payments in minutes.
Why Use Link Payments?
Link payments are perfect for:
Small shops
Freelancers
Home businesses
Trainers or coaches
Delivery-based businesses
Here’s why link payments are so helpful:
✅ Easy to Use
You don’t need any coding, website, or tech knowledge. Just log in, create a link, and send it.
✅ Accept All Online Payment Methods
With platforms like PayPlex, your customers can pay using:
UPI
Debit or Credit card (payment on card)
Net banking
Wallets
✅ Quick Payer Experience
The customer doesn't need to install anything or sign up. This creates a quick payer flow — fast and simple.
✅ Safer Than Manual Transfers
No need to share your bank account or UPI ID. The payment system handles everything securely.
???? PayPlex follows all RBI guidelines to keep your transactions safe and encrypted.
How to Use Link Payments on PayPlex
Let’s go through the steps to create a link payment using PayPlex:
Step 1: Sign Up
Go to https://payplex.in and sign up as a merchant. It’s free and quick.
Step 2: Create a Payment Link
From your dashboard, click "Create Payment Link." Add the amount, purpose, and any customer details.
Step 3: Share the Link
Copy the link and share it by WhatsApp, SMS, or email.
Step 4: Get Paid
Your customer clicks, pays, and you get the money directly in your account.
It’s that easy!
How Link Payments Help Grow Your Business
Let’s look at how link payments actually help you grow.
1. Increase Sales
By giving customers a simple way to pay, you remove obstacles. The easier the online payment, the more likely they are to complete it.
2. Reduce Drop-Offs
If a customer forgets or delays payment, you can resend the payment link. No awkward calls or chasing needed.
3. Accept Remote Orders
Even if your customer is far away, you can send a link instantly and accept payment.
4. Get Paid on Time
The faster a customer pays, the better your cash flow. With PayPlex, most transactions are completed within seconds.
???? Businesses that use link payment tools from PayPlex report up to 30% faster payments.
Who Can Use Link Payments?
Everyone. Here are some real-life examples:
???????? Home Bakers
Send a link payment to your customers once the cake is ready.
???? Freelancers
After completing a project, send a link for clients to pay using online payment methods.
????️ Boutique Owners
For customers who order by WhatsApp, share a secure link and accept payment on card or UPI.
???????? Tutors and Coaches
Send monthly fee links to parents or students.
✨ PayPlex makes it easy for all types of businesses to accept payments anytime, anywhere.
Difference Between Link Payments and QR Codes
| Feature | Link Payment | QR Code Payment |
|---|---|---|
| Requires a smartphone | Yes | Yes |
| Can be shared online | ✅ SMS, Email, Social Media | ❌ Only works in person |
| UPI and Card support | ✅ Yes | ✅ Mostly UPI only |
| Works remotely | ✅ Yes | ❌ Only face-to-face |
| Suitable for... | Freelancers, remote sellers | Shops, in-person stores |
Link payments are best when your customer is not physically present.
Payment Processing Behind Link Payments
When a customer clicks on the link payment, the system starts payment processing.
Here’s what happens:
The customer chooses a payment method (UPI, card, etc.)
The system checks if the payment is valid
If approved, the money is moved to your account
This whole payment processing takes only a few seconds when you use a smart provider like PayPlex.
???? Want to see how fast it works? Try a test transaction on PayPlex.
Is It Safe?
Yes, link payments are very safe — if you use a trusted provider.
With PayPlex, you get:
Secure link generation
Encryption of all data
RBI-compliant systems
Instant fraud checks
Unlike sharing personal UPI IDs, links are safer because they don’t reveal your account details to the customer.
Extra Benefits from PayPlex Link Payments
Here’s what makes PayPlex stand out:
✅ Accept online payment in multiple ways
✅ Send links that never expire (or set an expiry time)
✅ See who clicked, paid, or opened the link
✅ Automate reminders for unpaid links
✅ Track your payment system health in real time
All this helps you focus on running your business, not chasing payments.
External Resources and Data
According to RBI’s Digital Payment Trends, small businesses that accept digital payments grow 2x faster than those that don’t.
The National Payments Corporation of India (NPCI) also promotes link-based UPI and card payments as a secure way for small sellers to accept money remotely.
???? More than 90% of Indian smartphone users now prefer online payment over cash, according to a 2024 study by Statista.
Final Words
Link payments are one of the best tools for small businesses in India. They are:
Easy to use
Safe
Fast
Customer-friendly
Whether your customer is in your city or across the country, a payment link gets you paid in seconds. You don’t need a fancy website, a big team, or high costs. All you need is a tool like PayPlex.