You do not need a website, online store, or custom checkout system to start accepting payments online. With an online payment link, you can create a payment page, send the link directly to a customer, and let them complete their payment online.
The link can be shared through WhatsApp, Instagram, email, other messaging apps, or even as a QR code.
This makes payment links particularly useful for freelancers, small businesses, social media sellers, creators, consultants, event organizers, and anyone who wants to accept payments without a website.
With TransferXO Payment Links, you can create a payment link in minutes without technical setup, share it with customers, and monitor payments from your account. TransferXO currently supports more than 40 payment methods and allows customers to pay without having their own TransferXO account.
So, if you have been wondering how to create an online payment link without a website, this guide will walk you through the process and show you how to start receiving payments with TransferXO.
What Is an Online Payment Link?
An online payment link is a shareable URL that takes a customer to a payment page where they can complete a transaction.
Instead of manually sending account numbers or asking customers to navigate through several steps, you give them one direct route to payment.
The process is simple:
Create the payment link → Share the link → Customer opens it → Customer pays → You confirm the transaction.
Depending on the payment platform, you may be able to specify the amount the customer should pay or allow the customer to enter the amount.
Payment links can be used for:
- Products
- Professional services
- Customer invoices
- Bookings and deposits
- Event tickets
- Memberships
- Donations
- Freelance work
- Social media sales
They are especially useful when your business does not yet need, or cannot justify, the cost and complexity of building a full online checkout system.
Do You Own a Business? Learn How to Create a Payment Link for Business in 5 Minutes
Can You Create an Online Payment Link Without a Website?
Yes. You can create an online payment link without owning a website, e-commerce store, or mobile app.
A payment link works through a hosted payment page provided by the payment platform you use. Instead of building the checkout page yourself, the payment provider hosts it for you.
You simply create a link and share it with the person who needs to pay.
For example, imagine that you sell clothes through Instagram.
A customer sends you a message asking about a dress. You confirm the price and availability, and the customer decides to buy.
You do not need to send them to an e-commerce website.
Instead, you can create a payment link and send it directly in the conversation. The customer opens the link, follows the payment instructions, and completes the transaction.
The same process can work if you sell through WhatsApp, take bookings through social media, invoice freelance clients, collect event payments, or run a business mainly through referrals.
TransferXO specifically allows businesses to sell products and receive payments through payment links without building a website.
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How to Create an Online Payment Link Without a Website on TransferXO
Creating a payment link on TransferXO does not require coding or a website integration.
TransferXO allows users to create and manage payment links directly from their accounts. You can also choose between a fixed-amount payment link and a flexible-amount payment link, depending on what you need to collect.
Here is how it works.
1. Sign In to TransferXO
Start by opening TransferXO and signing in to your account.
If you are a new user, create an account and complete any required account setup or verification before using the available payment features.
2. Open Payment Links
From your dashboard, open the section for managing payment links.
On the TransferXO mobile app, the Help Centre currently directs users to tap Links from the dashboard and select Create Standard Link to begin creating a new link.
3. Choose a Fixed or Flexible Payment Link
Next, decide how you want the customer to enter the payment amount.
Fixed Amount
Choose this when you already know exactly how much the customer should pay.
For example, if a customer owes you ₦75,000 for a service, you can create a payment link for that exact amount.
This is useful for:
- Product sales
- Invoices
- Booking deposits
- Service fees
- Event tickets
- Fixed subscriptions or payments
Flexible Amount
Choose this when the payer needs to enter the amount.
TransferXO’s flexible payment link allows the customer to specify how much they want to pay.
This may work better for:
- Donations
- Fundraising
- Variable invoices
- Contributions
- Customer-specific payments
Choose whichever option matches the transaction.
4. Create Your Payment Link
Enter a title that clearly explains what the payment link is for.
Rather than naming a link:
Payment Link 1
use something recognizable, such as:
Photography Booking Deposit
or:
September Consulting Invoice
If you are creating a fixed-amount link, enter the required amount and choose the relevant payment settings.
Review the details and create your link.
TransferXO’s current mobile workflow allows users to choose between a one-time payment link or a target-based option when configuring fixed or flexible links.
Once created, your payment link is ready to share.
5. Copy and Share Your Payment Link
You can now send the payment link to the customer.
TransferXO allows users to open a created payment link and select Share, which lets them copy or send the link through their preferred platform.
You can share it through:
- Instagram or other social platforms
- Direct messages
- Messaging apps
- QR codes
Your customer opens the link and follows the payment instructions.
You have now created an online payment link without a website and given your customer a direct way to pay you.
How to Accept Payments Without a Website in Nigeria
If you run a business in Nigeria, you do not have to build an e-commerce website before you can start receiving customer payments online.
This is particularly useful because many Nigerian businesses already sell primarily through social media and messaging platforms.
Think about businesses such as:
- Instagram fashion vendors
- WhatsApp sellers
- Makeup artists
- Caterers
- Event planners
- Photographers
- Freelancers
- Social media managers
- Designers
- Consultants
- Tutors
- Small retail businesses
A customer may discover your business on Instagram, contact you through WhatsApp, agree on a price, and be ready to pay without ever visiting a traditional website.
A payment link helps connect those stages.
Instead of saying:
“Send the money to this account number and send me a screenshot,”
you can create a payment link for the transaction and send it directly to the customer.
This makes a payment link without a website in Nigeria useful for businesses that want to start accepting digital payments while continuing to sell through the channels their customers already use.
TransferXO Payment Links are available to individuals, freelancers, creators, and small merchants, according to the company’s current product information.
You can therefore build a simpler payment process without first investing in web development.
Learn About Cross Border Payments on TransferXO: What You Need to Know
Do You Need an App to Create a Payment Link Without a Website?
You do not need to build your own mobile app to accept online payments without a website.
Instead, you can use a payment link without website app or payment platform that creates and hosts the payment page for you.
This distinction is important.
Building your own payment system usually involves design, development, hosting, security, maintenance, and payment integration.
Using an existing payment-link platform removes most of that work.
TransferXO users can create and manage payment links through the platform, including through its mobile app.
That means you can run a business primarily through WhatsApp or Instagram and still use a dedicated platform for handling your payment links.
You do not need to create an app for your customers either.
TransferXO states that payers can complete payments through other supported payment methods even if they do not have their own TransferXO account.
This can reduce unnecessary steps between a customer’s decision to buy and completing payment.
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Can You Create a Free Payment Link Without a Website?
If you search for a free payment link without a website, it is important to distinguish between free setup and completely fee-free payment processing.
TransferXO currently states that there are zero setup fees for creating and using its Payment Links feature.
That means you do not need to pay a website developer or incur a payment-link setup charge simply to create the link.
However, “free payment link” should not automatically be interpreted to mean that every transaction will have zero processing costs.
Transaction fees, conversion costs, or other charges may depend on the payment method or service being used.
Before accepting payments, check TransferXO’s latest pricing and any applicable charges for the transaction you intend to receive.
The bigger cost advantage is that a payment link allows you to start collecting online payments without first paying to build a complete website or checkout infrastructure.
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What Payment Methods Can Customers Use With an Online Payment Link?
Another benefit of an online payment link is that customers may have different ways to complete their payments.
TransferXO currently advertises support for 40+ payment methods across its Payment Links product. Its product page lists options including Visa/Mastercard, Google Pay, Apple Pay, SEPA, SWIFT, PIX, and ACH.
The page also references mobile money and bank transfers as part of its broader payment-link offering.
Available options can depend on the customer’s location, account, currency, payment type, and the services currently supported.
Providing several payment methods can be especially useful if your customers are not all in the same country or do not all prefer the same way to pay.
Instead of forcing every customer through one payment method, a payment link can give eligible customers access to the payment options available for that transaction.
TransferXO’s product page currently mentions crypto in its supported-method information while specifically marking it as “coming soon” in its global payment methods list, so users should check current availability before depending on a specific crypto payment option.
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Are Online Payment Links Safe?
Online payment links can be safe when they are created through a legitimate provider, and both businesses and customers follow sensible payment-security practices.
TransferXO states that transactions processed through its Payment Links product use SSL encryption and PCI-compliant systems. It also says payments are subject to fraud checks and compliance reviews.
Businesses still have a role to play.
Use official payment links generated through your account and avoid modifying links in ways that could make them look suspicious.
Send payment requests through channels customers recognise as belonging to your business.
Customers should also confirm that a payment request actually came from the business they intend to pay before entering payment details.
For high-value or unexpected requests, verifying the transaction directly with the business is a sensible extra step.
You Should Also Read: 3 Ways TransferXO Helps Freelancers Receive Payments
How to Know When a Customer Has Paid
Sending the payment link is only one part of collecting money.
You also need to know whether the transaction was completed.
Rather than relying only on a payment screenshot sent by a customer, check the transaction from your own account.
TransferXO allows users to open a particular payment link and select Transactions to see payments that have been made through that link.
This can make payment tracking easier when you use different links for different purposes.
For example, you might have one link for:
- A specific client
- An event
- A particular service
- A product
- A fundraising campaign
Checking transactions associated with the link can help you confirm payments before delivering an order or marking an invoice as paid.
Frequently Asked Questions About Online Payment Links Without a Website
Can I accept online payments without a website?
Yes. You can use a hosted payment link instead of building your own website checkout. Create the link with a payment provider, send it to the customer, and let them complete the transaction through the hosted payment page.
How do I create an online payment link?
With TransferXO, sign in to your account, open the Links section, create a new standard link, choose whether you need a fixed or flexible amount, enter the required details, and create the link. You can then copy and share it with your customer.
Can I create a payment link without a website in Nigeria?
Yes. Nigerian businesses can use payment links to collect customer payments without first building an e-commerce website. This can be particularly useful for businesses selling through WhatsApp, Instagram, email, direct messages, or other channels.
Is there a free payment link without a website?
TransferXO currently charges zero setup fees for its Payment Links feature. However, applicable transaction or processing charges may still depend on the payment method or service being used.
What app can I use to create a payment link?
You can use TransferXO to create, manage, share, and monitor payment links. The TransferXO mobile app includes payment-link management features, including fixed and flexible payment links.
Create Your Online Payment Link With TransferXO
Not having a website should not stop you from accepting customer payments online.
Whether you sell through WhatsApp, take orders on Instagram, work with freelance clients, collect booking deposits, organise events, or run a small business in Nigeria, an online payment link without a website can give customers a direct way to pay you.
With TransferXO Payment Links, you can create fixed or flexible payment links, share them through the channels you already use, provide QR codes for easier access, and track transactions from your account. TransferXO also currently advertises zero setup fees and more than 40 payment methods.
You do not need to wait until you have built an e-commerce website or custom payment system.
Create your TransferXO payment link and start accepting payments online today.