Payment gateway with EMI, BNPL and enterprise integrations.
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Finance & Accounting · Payment gateways & UPI
Best Payment Link Software in India (2026)
Not every business selling or collecting payments has a full website checkout - a lot of sales happen over the phone, through WhatsApp, or in person where a card machine isn't practical. Asking a customer to transfer money manually leaves no clean record and often gets delayed or forgotten.
90 products compared50 made in India11 with a free planfrom ₹5/mo
Payment Link Software products
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Payment gateway, payment links, payouts and business banking for Indian businesses.
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Gateway with Paytm wallet, UPI and card acceptance.
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Simple payment gateway and links for micro businesses.
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Gateway with PhonePe UPI and card processing.
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Payment gateway and collections for education, SMEs and enterprises.
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Omnichannel payments with gateway and POS.
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Payment gateway from MobiKwik.
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Merchant UPI and wallet acceptance.
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Interoperable UPI QR and merchant loans.
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The Unified Payments Interface itself, operated by NPCI.
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POS terminals and payment acceptance for merchants.
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Audio payment confirmation device for merchants.
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Free UPI QR acceptance for merchants.
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International payment collection for Indian exporters with FIRA.
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Cross-border payments for Indian exporters and freelancers.
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Cross-border payments and virtual accounts for Indian businesses.
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Cross-border payment collection for SMEs and freelancers.
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Payment confirmation speaker for shops.
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Enterprise payment and bill-pay platform used by banks and utilities.
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Payment processing, POS and gateway services.
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RBI-authorised payment aggregator offering payment gateway, payment links, forms and eNACH.
Made in IndiaFree plan
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See all 90 payment gateways & upi products
Payment link software lets a business generate a shareable link for a specific amount, send it over WhatsApp, SMS or email, and get paid through whatever method the customer prefers - card, UPI, wallet - without needing a website or POS terminal. That makes it easy to collect payment for one-off sales, services or invoices while keeping a clear, trackable record of every transaction.
What is payment link software?
It's software that generates a unique, shareable link for a specific payment amount, which a customer can open and pay through their preferred method - card, UPI, net banking, or a wallet - without the business needing a website checkout or physical payment terminal. Links are typically sent via WhatsApp, SMS or email and can be tied to a specific invoice, order or service, so the business gets a clear record of what the payment was for. It's especially useful for service businesses, freelancers and small sellers who take orders over the phone or in person without a formal online store.
Key features to look for
- Multi-channel link sharing - WhatsApp, SMS and email, since customers prefer different channels
- Customisable payment amount and description - links tied clearly to what's being paid for
- Multiple payment method support - card, UPI, net banking, wallets, for maximum customer convenience
- Link expiry and reusability settings - control whether a link is one-time use or valid for a period
- Automatic payment confirmation - notifies both business and customer once payment is completed
- Reconciliation dashboard - tracks paid, pending and expired links in one place
- Invoice or receipt generation - automatically produces a record once payment is received
- Bulk link generation - useful for businesses sending many payment requests, like recurring service billing
What Indian businesses should check
Check whether WhatsApp is a supported sharing channel specifically, since it's the channel most customers respond to fastest for informal or service-based transactions. Confirm the fee structure per transaction, since payment link services sometimes carry a percentage fee that adds up for businesses processing many small payments. Ask about settlement timelines to your bank account, since this affects cash flow for small businesses relying heavily on payment links. If your business needs GST-compliant receipts automatically generated after payment, check that this is supported rather than requiring separate invoicing software.
How to choose (and what to ask in a demo)
Ask to generate and send a real payment link during the demo through WhatsApp specifically, since that's likely your primary sharing channel, and check how the confirmation flow works on both ends. Check the fee structure against your typical transaction size, since a flat fee versus a percentage fee matters differently depending on whether you collect small or large amounts. Ask about link management - can you see and follow up on pending or expired links easily, or does tracking require manual checking? Finally, confirm whether the tool integrates with your invoicing or accounting software so payment records don't need separate manual entry.
At a glance
BudgetEntry pricing starts at ₹5/month in this list.
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Payment Link Software — frequently asked questions
What is payment link software used for?+
It generates shareable links that let customers pay a specific amount through their preferred method, without needing a website checkout, useful for phone, WhatsApp or in-person sales.
Can payment links be sent through WhatsApp?+
Yes, most payment link tools support sharing via WhatsApp alongside SMS and email, and WhatsApp tends to get the fastest response from Indian customers.
Do payment links expire?+
Many tools let you set an expiry period or make a link one-time use, though this is usually configurable rather than a fixed rule across all providers.
Are there fees for using payment link software?+
Most providers charge a transaction fee, either flat or percentage-based, so compare fee structures against your typical transaction size before choosing a provider.
Is payment link software useful for service businesses without a website?+
Yes, it's particularly useful for freelancers, consultants and service businesses that take orders informally and need a simple, trackable way to collect payment.
Is a payment link safe for customers?+
Yes, when created by a regulated payment aggregator, the link opens a secure hosted page and payment details are handled by the provider. Encourage customers to check the business name on the page before paying, and avoid sending links from unfamiliar numbers to reduce phishing concerns.
Can a customer pay part of the amount through a link?+
Many tools support partial payments, where the customer pays in instalments against the same link until the total is reached. The dashboard tracks the balance. This is useful for advance and balance payments or large invoices. Check that receipts show both instalments clearly.
What is the difference between a payment link and a UPI QR code?+
A QR code is often static and collects any amount, while a payment link is typically tied to a specific amount, customer and reference. Links also support cards and net banking. Many tools offer both, with dynamic QR codes that behave like links.
How fast do I receive money from a payment link?+
Settlement timelines vary, often on a fixed cycle after the payment date, with instant settlement available for an extra fee. The first settlements after onboarding may take longer. Confirm the cycle with your provider. The first few settlements can be held while the provider completes risk checks, so plan cash flow accordingly.
Can I send payment links on WhatsApp automatically?+
Some tools integrate with the WhatsApp Business API to send links and reminders automatically, often through billing or CRM software. Otherwise, staff share links manually from the app. Automated WhatsApp messages need approved templates. Check the per-message charges that apply on the WhatsApp side.
Do I need a website to use payment links?+
Not necessarily, but payment aggregators often ask for some business presence during KYC, such as a website, social page or app, along with business documents. Payment links are popular with businesses that do not have an online checkout. A clear refund and cancellation policy page also speeds approval.
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India buyer's guide
Online payment link tool in India: prices, free plans and how to choose
An online payment link tool lets an Indian business collect money without a website checkout. You create a link or QR code for an amount, share it over WhatsApp, SMS or email, and the customer pays by UPI, card or net banking on a hosted page. Tutors, caterers, freelancers, B2B suppliers chasing invoices and shops taking phone orders use links to get paid quickly and trace each payment to a customer.
Good tools let you create links in seconds from a phone, add customer details and invoice references, send automatic reminders, and reconcile collections against invoices. Poor ones produce generic links with no reference field, make partial payments impossible, send no reminders, and give reports that cannot be matched with accounting records, leaving staff comparing bank statements by hand.
Best online payment link tool in India: verified comparison
Test how quickly staff can create and send a link from a phone while on a call, how the payment page looks to a customer on WhatsApp, and what reference data flows back to your records. The best payment link tool supports UPI, cards and net banking, allows partial payments and expiry dates, sends reminders, and ties each payment to an invoice or customer so reconciliation takes minutes, not hours.
| Product | Lowest published price | Free plan | Free trial | Demo | GST support |
|---|---|---|---|---|---|
| PayUMade in India | 2% for Visa, Mastercard, Net Banking, BNPL, Wallets only dom source | — | — | — | Yes source |
| RazorpayMade in India | Platform fee 2.15% + GST (standard); 'Start accepting paymen source | — | — | On request source | — |
| Paytm Payment GatewayMade in India | Small Merchant UPI 0.00%; debit card 0.00% (for less than 2K source | — | — | — | Yes source |
| Cashfree PaymentsMade in India | Not published | — | — | On request source | — |
| Instamojo PaymentsMade in India | ₹0 per year source | Yes source | — | — | — |
| SkydoMade in India | Not published | — | — | On request source | Yes source |
| PayPal | International transactions Where sender's market/region is O source | — | — | — | — |
Checked on each vendor's official website (September 2026). A dash means the vendor does not publish it or we could not verify it — not that the feature is missing. Prices exclude GST unless the source says otherwise. App Advisor publishes no user ratings.
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Choosing online payment link tool: top picks, Indian options and reviews
Top online payment link tool for small business in India
Small businesses such as home bakers, tutors or repair services need a mobile app to create links, a branded payment page with their name and logo, UPI as a default method, instant notification when paid, and settlement to their bank account. Payment pages or storefronts for fixed items like class fees are a bonus. Look for simple KYC and no setup charges.
Indian online payment link tool
Indian payment link tools default to UPI with QR and intent options, share natively through WhatsApp and SMS, and support Hindi or regional-language notifications. They settle to Indian accounts, handle GST invoicing for their fees, and often integrate with Indian billing and accounting software. Some add features like UPI autopay for recurring collections and bulk link creation for fee or society dues.
PayURazorpayPaytm Payment GatewayCashfree PaymentsInstamojo PaymentsAtom TechnologiesPhonePe Payment GatewayEasebuzz
Online payment link tool reviews in India
App Advisor does not publish user ratings. Payment link complaints often involve delayed settlements or KYC problems rather than the links themselves. Before committing, check how settlement timelines are stated, try creating a link and paying it yourself with UPI and a card, see how quickly notifications arrive, and confirm refund and failed-payment handling. Ask how the provider communicates settlement delays. How App Advisor rates software.
Online payment link tool comparison in India
Compare: payment methods on the link page, link customisation and branding, partial payments, expiry and reminders, bulk link creation via spreadsheet, invoice attachment, customer reference fields, settlement speed, reconciliation reports and accounting integrations, WhatsApp sharing, API access, fees per method, and mobile app quality. Also test how the link page appears inside WhatsApp's in-app browser, since many customers open it there. Record how many taps it takes a staff member to create and send one link.
What online payment link tool costs in India
Online payment link tool price in India
Payment link tools are usually part of a payment gateway and charge a percentage per successful transaction, varying by method. UPI may be priced differently from cards, and international cards cost more. Some add fees for instant settlement, and a few charge a platform subscription for advanced features like bulk links or automated reminders. Check whether link-based payments carry the same rates as website checkout on the same account.
- Instamojo Payments — from ₹0 per year (Lite) source
Online payment link tool subscription cost in India
Costs depend on your payment mix, transaction fees, GST at 18% on those fees, instant settlement charges, and any subscription for extra features. If links are collected through an invoicing or accounting app, that app's subscription adds to the cost. Refund and chargeback fees can also apply. Check statements for effective cost after a month.
Free plans, free trials and demos
Free online payment link tool in India
Free options usually mean no setup or monthly fee, with per-transaction charges applying. Some tools let you generate UPI QR codes free but with limited reporting. Features like branded pages, reminders, bulk links and accounting integrations may be paid. Personal UPI apps are free but unsuitable for business reconciliation and may violate their terms for commercial use.
- Instamojo Payments — free plan: “Lite ₹ 0 /yr Get a fully customisable website, perfect for businesses that are just starti” source
Online payment link tool free trial in India
Complete KYC, then create several links for different scenarios: a fixed amount, a customer-entered amount, a partial payment and an expiring link. Pay each using UPI and a card from different phones. Test reminders, refunds and reports. Check how the settlement arrives in your bank and whether the report matches. Ask a colleague to pay one link from an older Android phone to check the payment page loads quickly.
Online payment link tool demo in India
Ask how links are created in bulk, how reminders work, whether partial payments are tracked against the total, how payments are matched to invoices in your accounting software, what settlement timelines apply, how refunds are processed, and whether customers can save payment details. Ask about limits for high-value payments. Also ask whether links can carry your GSTIN and invoice PDF, and whether they can be cancelled after sending.
Demo on request (vendor site): Razorpay source, Cashfree Payments source, Skydo source
Online payment link tool by type of business
Online payment link tool for startups in India
Startups often use payment links before building a checkout, for pre-orders, event tickets or early customer invoices. They need API access to create links from their own systems, webhooks for payment status, and the ability to move to full checkout on the same gateway later. Branded pages help credibility with early customers. Check the rate limits on the link-creation API.
Online payment link tool for MSMEs in India
MSMEs use payment links to chase outstanding invoices from customers who prefer online payment. Integration with accounting software, so a link is attached to each invoice and marked paid automatically, saves collections effort. Reminders and partial payment tracking help manage credit customers. Look for reports that show which customers have opened a link but not paid, so staff can follow up. Ask whether link status updates the ledger automatically in your accounting software.
Online payment link tool for manufacturers in India
Manufacturers send payment links to dealers for advance payments, spare part orders or overdue balances. Useful features include bulk link creation for many dealers, reference fields for dealer codes and invoice numbers, high-value transaction support, and integration with ERP for reconciliation. Net banking and bank transfer options matter for large amounts. Links that expire after a fixed date reduce confusion over old prices.
Online payment link tool for retailers in India
Retailers use payment links for phone and WhatsApp orders, advance bookings and home delivery payments. Store staff need fast link creation from a mobile app, catalogue-based payment pages, and reports by store. Links that include product details help customers trust the request and reduce payment disputes. Settlement reports by staff member help track who collected each payment. Check refunds can be issued from the store app without needing head office.
Online payment link tool for agencies in India
Agencies collect retainers, project milestones and ad budgets through payment links. They need invoice attachment, partial payments for milestones, reminders and reports per client. International card acceptance helps with overseas clients. Integrating with the agency's accounting software avoids manual matching. Check whether links can display the project name and milestone so the client's accounts team can approve payment without calling you. Ask about currency and foreign inward remittance documentation for overseas payments.
GST and switching providers
Online payment link tool with GST support
Make sure the tool issues a GST invoice for its fees so you can claim input tax credit on the 18% GST. Where you use links to collect against sales invoices, the link should carry the invoice number, and reports should support reconciliation of collections against GSTR-1 invoices. Some tools generate GST invoices along with the link, including GSTIN and HSN codes.
- PayU — “Accept payments from your customers via sending GST-compliant invoices with an inbuilt pay” source
- Paytm Payment Gateway — “Accept contactless & error free payments that are GST compliant” source
- Skydo — “Create professional GST-compliant Invoices in Seconds” source
Online payment link tool alternatives in India
Consider alternatives if settlements are delayed, reconciliation takes too long, or fees are high for your payment mix. Switching usually means onboarding with a new provider, updating accounting integrations and informing customers about new link formats. Old links should be expired so customers do not pay into an account you no longer monitor. Export past payment records before closing the old account.
PayU alternativesRazorpay alternativesPaytm Payment Gateway alternativesCashfree Payments alternativesInstamojo Payments alternativesAtom Technologies alternatives
Partner, affiliate and reseller programs
Online payment link tool affiliate program in India
Affiliate or referral programmes for payment links usually reward referring businesses that activate and transact. Check activation criteria, whether rewards depend on volume, payout timelines, and how you may promote the product. Be clear with referrals about fees and settlement timelines. Some programmes limit rewards to businesses that complete KYC within a fixed window, so understand the conditions before promoting. Disclose the relationship to anyone you refer.
Online payment link tool partner program in India
Partner programmes suit billing, accounting and vertical software firms that embed payment links in their products. Benefits may include revenue share, APIs, co-marketing and priority support. Check integration effort, revenue share terms, and who handles merchant KYC and support. Also ask whether partners can create links through APIs on behalf of their users, how webhooks behave at scale, and what happens to embedded links if the partnership ends.
Online payment link tool reseller program in India
Reselling payment links is limited by RBI rules; merchants must be onboarded by the regulated payment aggregator. Partners generally refer or integrate rather than resell. Clarify your role, avoid handling customer funds, and understand liability if referred merchants misuse the service. Referral agreements should state clearly who supports merchants when a link payment fails or a refund is disputed.
All verified programs across categories are in the software partner program directory. More India software guides: business software in India.
Online payment link tool in India: FAQs
Is a payment link safe for customers?+
Yes, when created by a regulated payment aggregator, the link opens a secure hosted page and payment details are handled by the provider. Encourage customers to check the business name on the page before paying, and avoid sending links from unfamiliar numbers to reduce phishing concerns.
Can a customer pay part of the amount through a link?+
Many tools support partial payments, where the customer pays in instalments against the same link until the total is reached. The dashboard tracks the balance. This is useful for advance and balance payments or large invoices. Check that receipts show both instalments clearly.
What is the difference between a payment link and a UPI QR code?+
A QR code is often static and collects any amount, while a payment link is typically tied to a specific amount, customer and reference. Links also support cards and net banking. Many tools offer both, with dynamic QR codes that behave like links.
How fast do I receive money from a payment link?+
Settlement timelines vary, often on a fixed cycle after the payment date, with instant settlement available for an extra fee. The first settlements after onboarding may take longer. Confirm the cycle with your provider. The first few settlements can be held while the provider completes risk checks, so plan cash flow accordingly.
Can I send payment links on WhatsApp automatically?+
Some tools integrate with the WhatsApp Business API to send links and reminders automatically, often through billing or CRM software. Otherwise, staff share links manually from the app. Automated WhatsApp messages need approved templates. Check the per-message charges that apply on the WhatsApp side.
Do I need a website to use payment links?+
Not necessarily, but payment aggregators often ask for some business presence during KYC, such as a website, social page or app, along with business documents. Payment links are popular with businesses that do not have an online checkout. A clear refund and cancellation policy page also speeds approval.
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