Introduction to payment links
Payment links are a clever and convenient way of allowing customers to make a payment. A payment link is a URL that contains the amount to be paid, and payment description and offers a variety of payment methods to finalise the transaction.
When a payment is made through a payment link, it automatically creates an order in Montonio's systems. Essentially, a payment link is converted into an order once the customer interacts with it.
NB! The Payment link displays the payment methods that you have activated in Montonio's Partner System
How it works?
Once you create and send a payment link to your customers, this is what they'll see 👇
Effectively it replaces the checkout of an online store. When the customer clicks on "Proceed to payment", an order is created internally in Montonio. The payment link interface is available in all of the languages that Montonio supports, such as Estonian, Latvian, Lithuanian, Polish, and so on.
The output of a payment link is an URL, e.g. pay.montonio.com/link_uuid.
How the payment link can be used?
There are multiple ways a payment link can be used:
Making invoices easier to pay. By adding a payment link URL to the invoice, customers can initiate paying for the invoice by just clicking on the link.
Abandoned shopping carts. It's possible to send an email to the dropped-off customer and attach a link that allows them to conveniently finalize the purchase.
Payment notices and reminders that can be added with a text message.
How to use Montonio's API to create payment links?
This article explains how to use our API to create payment links. The API documentation is available here: https://docs.montonio.com/api/stargate/guides/payment-links
In case you're interested in creating payment links through our Partner System, please refer to this article instead.
There are some mandatory fields for a payment link as evidenced by our API. Still, some additional pointers about how to make the most of our payment links:
Locale - allows you to specify the language the payment link interface is displayed to the customers.
preferredProvider - in case you intend to bring out bank logos already in the invoice email, you can specify the preferred bank when creating a payment link. When a preferredProvider is set, the customer doesn't interact with the dedicated payment link interface and is instead redirected straight to the selected bank. Please note that the preferredProvider only works within bank payments
preferredCountry - in case you wish to pre-select the country for the customers, you can specify this parameter. When the customer interacts with the payment link, the country (selection of banks) is already chosen for them
notificationUrl - add this parameter in case you wish to receive a webhook for each finalised payment link payment. Not mandatory
askAdditionalinfo - we acknowledge that sometimes the customer should add their first name, last name and email while using the payment link for a payment. Sometimes they don't, that depends on the merchant use case. If this parameter is set to false, the customer will not have to add their information and can proceed straight to the payment
NB! If that's the case, the order will not have the payer's first name, last name nor email attached either
Additional information about Montonio's payment links
We understand that sometimes merchants need to know who is making a payment through the payment link. On the other hand, it can also be useless in some cases.
That's why we've introduced a parameter called askAdditionalinfo. If the parameter is set to 'true', the customer needs to insert their first name, last name and email. The payment link itself looks like this when this parameter is set to 'true' 👇
In case the parameter is set to 'false', there is no mandatory information to fill in. And the payment link looks like this instead 👇
Much more condensed. But please bear in mind that in this case Montonio cannot show the payer information in our Partner System.
Moreover, we've taken care of the 'thank you' page. When a customer makes a successful payment, they're redirected to a generic success page that looks like this:
The customer can 'save' that page as proof of payment if necessary. Moreover, each payment link must have an expiry date but we don't set any limitations on the duration.
Also, all of Montonio's payment links are reusable by default. It means that the same payment link can be used multiple times and each payment creates a new order in our systems.
If you have additional questions and need our help, feel free to contact our support team via the chat in the bottom right corner.