Introduction

PayByLink is an internet-based payment method commonly used for online transactions and offline-to-online payment scenarios. It refers to merchants generating payment links and sending them to users for direct payment. PayByLink offers the following advantages:

• Convenience: Consumers can complete payments by simply clicking the link without visiting the merchant's website, making it easy to use.
• Flexibility: It is suitable for various payment scenarios such as social e-commerce, service booking, donations, etc., and supports multiple payment methods.
• Security: Payments are processed through third-party payment platforms, providing high security and anti-fraud mechanisms.
• Quick deployment: Merchants can implement the payment function by generating and sending links without complex technical integration.

1. Applicable Scenarios

1.1 Online Scenarios

• Personal e-commerce: Merchants can send payment links to facilitate customers' online shopping payments.
• Service booking: For example, hotel, flight, and event ticket reservations, merchants can send payment links to collect deposits or full payments.
• Bill payments: Utility companies, insurance companies, etc., can collect payments through payment links.
• Donations and crowdfunding: Charitable organizations and crowdfunding platforms simplify the payment process for donors using payment links.

1.2 Offline Scenarios

• Cash on Delivery (COD) industry: Delivery personnel present QR codes to customers for scanning and payment upon doorstep delivery.
• Home repair/housekeeping services: Service providers present QR codes to customers for scanning and payment.
• Children's smart watches: Users place orders in the watch store, and the system generates payment links and displays dynamic QR codes on the watch screen for users to scan and pay.
• Offline markets: Merchants display PayByLink QR codes on devices such as PCs, tablets, and mobile phones for consumers to scan and pay.
• Roadshow fundraising: Fundraisers present QR codes to donors for scanning and payment.

2. Business Process

3. User Experience

Users can enter the product details page by accessing the link provided by the merchant (directly online or by scanning the link QR code with a mobile phone camera offline). They can then click "Checkout" to enter the checkout page, choose a payment method, follow the instructions on the page to complete the payment, and return to the payment result page.

4. Link Creation Methods

4.1 Merchant Platform Creation

Currently, PayerMax allows merchants to create one-time payment links and generate QR codes through the Merchant Platform (MMC). The specific path is: MMC -> Acquiring Management -> PayByLink -> Create Link. Follow the on-screen prompts to enter the order information and generate the link.

(a) Create a link

(b) Enter order information, including acquiring country/region, order amount, order description, link validity period, etc.

• Order amount = Unit price of the product * Quantity of the product
• Order description: Displayed on the link page for users. It can be the description of the product or the purpose of the payment, etc.
• Link remark: Not displayed to users, but will be returned to the merchant through callback information. Corresponding API field: linkDescription

(c) Generate the link/QR code

(d) Send the link to the user for payment

4.2 API Creation

PayerMax also supports merchants to create/maintain PayByLink through API. For details, please refer to 【API Integration】.