---
title: Accept payments online without a website
sidebar_label: Overview
slug: payment-links
excerpt: >-
  Create a payment link and share it via SMS, email, or WhatsApp. Accept cards,
  UPI, net banking, wallets, EMI, and more — no code required.
hidden: false
sidebar_order: 1
metadata:
  title: Payment Links – Pine Labs Payment Gateway
  description: >-
    Create payment links instantly and collect payments through UPI, cards,
    wallets, net banking, and EMI. Share via SMS, email, or WhatsApp with
    no-code payment collection.
  robots: index
---

## Payment Links

Pine Labs Online Pay by Link allows you to generate unique payment links that can be shared directly with your customers via email, SMS, or messaging apps. When customers click the link, they are redirected to a secure checkout page to complete the payment using multiple supported payment methods.

This feature is ideal for accepting digital payments without an online storefront, requesting payments remotely, or providing a seamless and flexible payment experience.


<a class="hidden sm:inline-flex btn-light-green px-3.5 py-1.5 text-sm shadow-sm" href="payment-links/create-via-apis">Create Payment Link via APIs</a>
<a class="hidden sm:inline-flex btn-light-green px-3.5 py-1.5 text-sm shadow-sm" href="payment-links/create-via-dashboard">Create Payment Link via Dashboard</a>


## Life Cycle

Learn about the different statuses of Pay by Link.

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The table below list the various statuses that a Payment Link can have during its life cycle.

| Status              | Description                                                                                                                                                 |
| :------------------ | :---------------------------------------------------------------------------------------------------------------------------------------------------------- |
| `CREATED`           | When the create payment link request is successfully received by Pine Labs Online. The payment link has been created and shared with the customer.          |
| `CLICKED`           | The customer has clicked on the link but hasn't initiated the payment yet.                                                                                  |
| `PAYMENT_INITIATED` | When the Create Order request is successfully received by Pine Labs Online. The payment is initiated against an order.                                      |
| `PROCESSED`         | The full payment has been successfully completed by the customer.                                                                                           |
| `CANCELLED`         | When the cancel payment link request is successfully received by Pine Labs Online. Indicates that you have cancelled the Payment Link.                      |
| `EXPIRED`           | When the current timestamp meets or exceeds the specified expiration timestamp for the payment link. The link has expired, and no payments can be accepted. |

## Key Features

<div class="api-resources-grid" style="display:grid;grid-template-columns:repeat(2,1fr);gap:1rem;max-width:1200px;margin:0 auto;">
  <div style="border:1px solid #e2e8f0;border-radius:0.5rem;padding:1.25rem;">

<svg width="40" height="40" viewBox="0 0 40 40" fill="none" xmlns="http://www.w3.org/2000/svg">
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  <circle cx="20" cy="19" r="3" fill="#36CC8B"/>
</svg>
    <h3 style="font-size:1rem;font-weight:600;margin-bottom:0.5rem;">Customization Options</h3>
    <p style="font-size:0.875rem;color:#475569;margin-bottom:1rem;">You can configure branding, payment methods, and expiry settings to create a personalized payment experience.</p>
  </div>
  <div style="border:1px solid #e2e8f0;border-radius:0.5rem;padding:1.25rem;">

<svg width="40" height="40" viewBox="0 0 40 40" fill="none" xmlns="http://www.w3.org/2000/svg">
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  <circle cx="12" cy="26" r="2" fill="#36CC8B"/>
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  <circle cx="21" cy="23" r="2" fill="#36CC8B"/>
  <circle cx="28" cy="15" r="2" fill="#36CC8B"/>
</svg>
    <h3 style="font-size:1rem;font-weight:600;margin-bottom:0.5rem;">Real-time Tracking & Analytics</h3>
    <p style="font-size:0.875rem;color:#475569;margin-bottom:1rem;">You can monitor payment link performance through dashboards with detailed insights on conversion rates, preferred payment methods, and overall transaction success.</p>
  </div>
  <div style="border:1px solid #e2e8f0;border-radius:0.5rem;padding:1.25rem;">

<svg width="40" height="40" viewBox="0 0 40 40" fill="none" xmlns="http://www.w3.org/2000/svg">
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  <path d="M17 27L20 30L23 27" stroke="#36CC8B" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"/>
</svg>
    <h3 style="font-size:1rem;font-weight:600;margin-bottom:0.5rem;">Automated, Multi-Channel Link Sharing</h3>
    <p style="font-size:0.875rem;color:#475569;margin-bottom:1rem;">Payment links are automatically sent via SMS or email, making it easy for customers to pay on their preferred platform.</p>
    </div>
  <div style="border:1px solid #e2e8f0;border-radius:0.5rem;padding:1.25rem;">

<svg width="40" height="40" viewBox="0 0 40 40" fill="none" xmlns="http://www.w3.org/2000/svg">
  <rect width="40" height="40" rx="8" fill="#D0F6E5"/>
  <path d="M15 20H25" stroke="#003434" stroke-width="2" stroke-linecap="round"/>
  <path d="M20 15V25" stroke="#003434" stroke-width="2" stroke-linecap="round"/>
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  <rect x="21" y="21" width="8" height="8" rx="2" stroke="#36CC8B" stroke-width="2"/>
</svg>
    <h3 style="font-size:1rem;font-weight:600;margin-bottom:0.5rem;">Easy Integration</h3>
    <p style="font-size:0.875rem;color:#475569;margin-bottom:1rem;">Integrate payment links easily with business systems via APIs, streamlining tracking and reporting processes.</p>
    </div>
</div>


## Use Cases

Pay By Links provides flexible payment solutions that simplify transactions across various scenarios, offering businesses an efficient and customer-friendly way to accept payments. Here are some key use cases where Pine Labs Online Pay by Links can enhance payment experiences.

<div style="display:grid;grid-template-columns:repeat(3,1fr);gap:1rem;max-width:1200px;margin:0 auto;">
  <div style="border:1px solid #e2e8f0;border-radius:10px;padding:1.25rem;">
<!-- Retail and E-Commerce Sales -->
<svg width="40" height="40" viewBox="0 0 40 40" fill="none" xmlns="http://www.w3.org/2000/svg">
  <rect width="40" height="40" rx="8" fill="#D0F6E5"/>
  <path d="M13 15H27L25 24H15L13 15Z" stroke="#003434" stroke-width="2" stroke-linejoin="round"/>
  <path d="M16 15V13C16 11.9 16.9 11 18 11H22C23.1 11 24 11.9 24 13V15" stroke="#003434" stroke-width="2"/>
  <circle cx="17" cy="28" r="2" fill="#36CC8B"/>
  <circle cx="23" cy="28" r="2" fill="#36CC8B"/>
</svg>
    <h4 style="font-size:0.95rem;font-weight:650;margin-bottom:0.5rem;">Retail and E-Commerce Sales</h4>
    <p style="font-size:0.82rem;color:#64748b;">Retailers and online businesses can leverage Pine Labs Online Pay by Link to offer customers an easy way to pay for products directly via SMS or email links. For example, a clothing store can send payment links to customers after they select items on WhatsApp or other platforms, allowing the customer to pay securely without needing a website or app.</p>
   </div>
  <div style="border:1px solid #e2e8f0;border-radius:10px;padding:1.25rem;">
<!-- Healthcare Services and Appointments -->
<svg width="40" height="40" viewBox="0 0 40 40" fill="none" xmlns="http://www.w3.org/2000/svg">
  <rect width="40" height="40" rx="8" fill="#D0F6E5"/>
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  <path d="M20 15V23" stroke="#36CC8B" stroke-width="2" stroke-linecap="round"/>
  <path d="M16 19H24" stroke="#36CC8B" stroke-width="2" stroke-linecap="round"/>
</svg>
    <h4 style="font-size:0.95rem;font-weight:650;margin-bottom:0.5rem;">Healthcare Services and Appointments</h4>
    <p style="font-size:0.82rem;color:#64748b;">Healthcare professionals or clinics can use Pine Labs Pay by Link to collect payments for consultations, treatments, or medical services. Patients can pay in advance for appointments or after services, simplifying the payment process in healthcare settings.</p>
    </div>
  <div style="border:1px solid #e2e8f0;border-radius:10px;padding:1.25rem;">
<!-- Educational and Training Fees -->
<svg width="40" height="40" viewBox="0 0 40 40" fill="none" xmlns="http://www.w3.org/2000/svg">
  <rect width="40" height="40" rx="8" fill="#D0F6E5"/>
  <path d="M10 16L20 11L30 16L20 21L10 16Z" fill="#003434"/>
  <path d="M14 19V24C14 26 17 28 20 28C23 28 26 26 26 24V19" stroke="#36CC8B" stroke-width="2" stroke-linecap="round"/>
  <path d="M30 16V22" stroke="#003434" stroke-width="2" stroke-linecap="round"/>
</svg>
    <h4 style="font-size:0.95rem;font-weight:650;margin-bottom:0.5rem;">Educational and Training Fees</h4>
    <p style="font-size:0.82rem;color:#64748b;">Schools, tutors, and training providers can send payment links to students or parents for course fees, exam fees, or materials. This simplifies payments for educational institutions and provides a convenient way for students and parents to pay without navigating complex portals.</p>
   </div>
</div>


## Create and Manage Payment Links

Refer to our Payment Links Dashboard documentation to learn how to create, manage, track, and customize payment links directly from the merchant dashboard or via APIs.