How to Create a Payment Link for Business in 5 Minutes

Getting paid by customers should not always require building a website, integrating a complicated checkout system, or sending bank details back and forth whenever someone wants to pay you.

With a payment link for business, you can create a simple payment page, send the link directly to your customer, and let them pay online.

On TransferXO, you can create a payment link in minutes, share it through WhatsApp, email, social media, messaging apps, or a QR code, and monitor payments from your account. Customers can also pay through supported payment methods without needing their own TransferXO account.

This makes payment links particularly useful for freelancers, small businesses, online sellers, creators, consultants, event organisers, and businesses that want to collect local or international payments without building a full e-commerce website.

In this guide, we’ll walk you through how to create a payment link for your business, how payment links work, where you can share them, and how TransferXO can make collecting customer payments easier.

What Is a Payment Link for Business?

A payment link for business is a shareable URL that takes your customer to a payment page where they can pay for a product, service, invoice, booking, event, donation, or another transaction.

Instead of asking a customer to manually enter your bank details or visit a physical location to pay, you simply send them a link.

The process can look like this:

Create the payment link → Share it with your customer → Customer opens the link → Customer pays → You track the transaction.

The link can be shared wherever you normally communicate with your customers.

For example, if you sell products through WhatsApp, you can send a customer a payment link after they place an order.

A freelancer can include a payment link when requesting payment for completed work. An event organiser can share one for ticket payments. A social media seller can put a payment link in a conversation with a buyer instead of building an entire online store.

Payment links essentially turn almost any digital conversation into an opportunity to collect payment.

Learn About Cross Border Payments on TransferXO: What You Need to Know

How Does a Payment Link Work?

A payment link works by connecting your customer to a payment page created for a particular transaction or payment purpose.

Suppose you run a consulting business and a client owes you ₦150,000.

Instead of sending your account details and waiting for a transfer screenshot, you can create a fixed payment link for ₦150,000 and send it to the client.

The customer clicks the link, views the payment page, chooses an available payment method, and completes the transaction.

TransferXO says its Payment Links product supports more than 40 payment options, with methods listed on its current product page including Visa/Mastercard, Google Pay, Apple Pay, SEPA, SWIFT, PIX, and ACH. Availability may depend on the transaction, user, location, and supported service.

Once customers have paid, you can monitor transactions linked to a particular payment link from your TransferXO account.

That creates a more organised way to collect and track customer payments than relying only on payment screenshots or long message threads.

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How to Create a Payment Link for Business With TransferXO

You don’t need coding knowledge or a complicated technical setup to create a business payment link with TransferXO.

TransferXO currently allows users to create payment links from their accounts and choose between fixed-amount and flexible-amount payment links depending on how they want customers to pay.

Here is how to get started.

1. Sign In to Your TransferXO Account

Open TransferXO and log in to your account.

If you are new to TransferXO, create an account first and complete any required account setup or verification before using the available payment services.

2. Open Payment Links

From your TransferXO dashboard, navigate to the Payment Links section.

TransferXO’s current product instructions direct users to open Payflex from the dashboard and select Payment Links under Quick Actions. The mobile Help Centre also shows the Links section as the area where payment links can be created and managed.

3. Choose the Type of Payment Link

Next, decide how much your customer should pay.

TransferXO supports two useful options:

Fixed Amount: You set the exact amount the customer must pay.

This works well when the price is already known. For example, if you are selling a product for ₦50,000, you can create a payment link specifically for that amount.

Flexible Amount: The customer can enter the amount they want to pay.

This may be useful when collecting donations, variable invoices, contributions, or other payments where different customers may need to pay different amounts.

Choose the option that matches the transaction you want to collect.

4. Create Your Payment Link

Enter the necessary link details, such as a clear title and the payment settings.

If you’re creating a fixed payment link, enter the amount the customer needs to pay.

If you’re creating a flexible payment link, customers will be able to enter the appropriate payment amount when using the link.

Review the information before creating the link. Use a descriptive title that makes it easy to recognise later, particularly if your business handles several products, customers, invoices, or campaigns.

For example:

Website Design – Final Payment

is much easier to recognise than:

Payment Link 4

Once everything is correct, create the link.

5. Share the Link With Your Customer

Your payment link is now ready to share.

TransferXO lets you copy and distribute a created payment link, and each payment link can also have an associated QR code that customers can scan to access the payment page.

You can share your payment link through channels such as:

• WhatsApp
• Email
• Direct messages
• Social media
• SMS or other messaging platforms
• QR codes

Your customer opens the link, follows the payment instructions, and completes the transaction using an available payment method.

That’s it.

You have turned a normal customer conversation into a simple checkout experience without building an entire website.

Why Use TransferXO Payment Links for Business?

There are different ways to collect money online, but payment links are particularly useful when speed and simplicity matter.

Here are some of the reasons a business might use TransferXO Payment Links.

1. No Website or Coding Required

You don’t have to integrate a payment API or develop an online checkout before getting started.

TransferXO says payment links can be created in minutes without technical setup.

That can make them useful for small businesses that need to start accepting payments before investing in a more complex e-commerce system.

2. More Than 40 Payment Methods

Giving customers more ways to pay can make your payment process more flexible.

TransferXO currently have 40+ payment methods for its Payment Links product.

The specific options available to an individual payer may depend on the payment and location, so businesses should always confirm current availability when setting up their payment process.

Related Article: Best Payment Apps in Nigeria for Fast and Easy Transfers (2026)

3. Zero Setup Fees

TransferXO currently have no setup fees for creating and using its Payment Links product. Transaction or payment-processing terms may still apply depending on the service being used, so always check current pricing and applicable fees.

4. Customizable Payment Links

A payment request should still feel connected to your business.

TransferXO says businesses can customise payment links with branding elements such as a logo and colours to create a more consistent payment experience.

5. QR Code Payments

You can also turn a payment link into a scannable payment option using its associated QR code.

This gives businesses another way to use the same payment flow in physical and digital settings.

6. Track Payments

After creating a payment link, you can view transactions associated with the link from the TransferXO app.

TransferXO’s current Help Centre directs users to select a payment link and open Transactions to see payments completed through that particular link.

This can make it easier to identify whether a particular customer, campaign, event, or product has been paid for.

You Should Also Read: 3 Ways TransferXO Helps Freelancers Receive Payments

Where Can You Share a Business Payment Link?

One of the biggest advantages of a business payment link is that the link can follow the customer instead of forcing the customer to find your checkout page.

Here are some practical places to use one.

1. Payment Link on WhatsApp

If most of your customers communicate with your business through WhatsApp or WhatsApp Business, payment links can make your sales conversations more direct.

Once the customer confirms what they want to buy, send the payment link in the same conversation.

For example: Your order is ready. You can complete your payment using the link below.

Then include the payment link.

This reduces the number of steps between deciding to buy and paying.

2. Payment Link on Instagram and Social Media

Businesses selling through Instagram, Facebook, TikTok, and other social platforms can also use payment links when responding to customer inquiries.

A customer asks about a product.

You confirm availability.

They decide to buy.

You send the link.

They pay.

This allows businesses that operate mainly through social media to create a simple payment process without immediately building an online store.

3. Payment Link by Email or Message

Payment links can also be useful when sending invoices or requesting payment from business clients.

Instead of writing:

“Here are our bank details.”

you can include a direct payment option in the message.

This can be especially useful for freelancers, agencies, consultants, and service businesses.

4. Payment Link as a QR Code

A payment link does not have to remain only as a clickable URL.

TransferXO lets users access a QR code associated with a payment link. The QR code can then be displayed or shared so customers can scan it to access the payment page.

This can be useful at:

• Physical stores
• Events
• Conferences
• Pop-up shops
• Exhibitions
• Restaurants
• Vendor stands
• Fundraising events

Instead of typing a URL, customers simply scan the QR code.

What Can Businesses Use Payment Links For?

A payment link can be used for more than selling products online.

Here are some common business situations where one can help.

1. Customer Invoices

If a customer already knows what they owe, create a fixed payment link for the invoice amount and send it together with the payment request.

2. Freelance and Consulting Services

Freelancers can use payment links to collect payments for writing, design, development, consulting, photography, marketing, and other services.

TransferXO specifically identifies freelancers as one of the business groups its Payment Links product is designed for.

You Can Also Read: 6 Reasons Freelancers Should Receive Payment in Crypto and How TransferXO Makes It Easier

3. Online and Social Media Sales

Selling on social media doesn’t have to mean manually exchanging bank details with every buyer.

Payment links can provide a more consistent payment process for customers buying through social channels.

4. Events and Registrations

You can create a payment link for ticket sales, registrations, memberships, or other event-related payments.

TransferXO also positions payment links for events and membership-related collections.

5. Deposits and Bookings

Service businesses often need customers to make a deposit before confirming an appointment or reservation.

A payment link can be created specifically for the required booking amount.

This can work for photographers, makeup artists, event planners, consultants, accommodation providers, and other appointment-based businesses.

6. Donations and Fundraising

Organizations, communities, and individuals raising money can use flexible payment links where contributors need the freedom to choose how much they want to pay.

TransferXO currently includes donations and fundraising among the use cases for Payment Links.

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Are Payment Links Safe for Business Transactions?

Payment links can be a safe way to collect business payments when they are created through a reputable payment provider and customers follow sensible security practices.

The important thing is that businesses should send customers genuine payment links and customers should verify that the payment page is legitimate before entering financial details.

For its Payment Links product, TransferXO states that transactions are protected through security measures including SSL encryption and PCI compliance. Its FAQ also says payments may undergo fraud checks, authorisation measures, and AML compliance reviews.

Businesses should still use good payment-link practices.

Avoid sending altered or suspicious-looking URLs. Use official communication channels when possible, and advise customers to confirm that a payment request actually came from your business if they are unsure.

Also Read: Accept Stablecoin Payments on TransferXO Without Building from Scratch

Payment Link vs Payment Gateway: What’s the Difference?

A payment link and payment gateway can both help businesses collect payments, but they are commonly used differently.

Payment Link	Payment Gateway
Can be created and shared quickly	Commonly integrated into a website or app
Useful without a website	Often forms part of an online checkout
Suitable for direct customer payments	Useful for automated e-commerce payments
Can be shared through WhatsApp, email, social media, or QR code	Usually integrated into the customer’s checkout journey
Useful for freelancers, social sellers and small businesses	Often used by businesses with websites or applications

A payment gateway may make more sense for a business processing large numbers of automated online orders through a website.

A payment link may be better when you need something you can create quickly and send directly to a specific customer.

The two are not necessarily competitors. As a business grows, it may use different payment collection methods for different types of transactions.

Payment Link Best Practices for Businesses

Creating a payment link takes only a few minutes, but a few simple habits can make the payment experience clearer for both your business and your customers.

1. Use clear payment link titles. Name links according to the customer, invoice, product, campaign, or purpose so you can identify them later.

2. Confirm the amount. Double-check fixed payment amounts before sending the link.

3. Explain what the customer is paying for. A customer should not have to guess why they received a payment request.

4. Send links through trusted channels. Use your normal business WhatsApp number, email address, social media account, or another channel customers recognise.

5. Use QR codes where they make sense. If customers are physically present, scanning may be quicker than sending a URL.

6. Track the payment before fulfilling the order. Instead of relying only on a customer’s screenshot, confirm the payment through your own account.

7. Review old links. Keep your payment-link dashboard organized and manage links that are no longer relevant.

A well-managed payment process doesn’t just help you collect money. It can also make your business feel more organised and easier to buy from.

Frequently Asked Questions About Payment Links for Business

Create Your Business Payment Link With TransferXO

Getting paid shouldn’t be the most complicated part of running your business.

Whether you’re selling through WhatsApp, invoicing freelance clients, taking bookings, collecting event payments, accepting donations, or working with customers across different markets, a payment link for business gives you a simple way to move a customer from “How do I pay?” to completing the transaction.

With TransferXO Payment Links, you can create a payment link without building a website, choose how you want customers to pay, share the link across your preferred channels, use QR codes when necessary, and monitor payments from one place.

Instead of repeatedly sending payment instructions to every new customer, create a payment link and give them a more direct route to payment.

Create your TransferXO payment link today and start accepting payments in minutes.