Accept Digital Payments without a Website or App with Paytm Payment Links

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It’s not an understatement to say that the COVID-19 pandemic has changed consumer behaviour forever. More so when it comes to digital payments.

According to data on Statista, a majority of Indian consumers reported making purchases through digital payments since the start of the pandemic. From large-ticket purchases like electronics and clothes, the trend has shifted towards small-ticket purchases like groceries, medicines and other essentials as well.

Hence, digital payments are here to stay. Not just in online shopping but for offline stores as well. With more and more consumers preferring to order from the comfort of their homes, even offline businesses have moved away from cash and started to go digital.

However, not every offline business can afford to, or needs to, have a website or app to accept digital payments. A business can use Paytm Payment Links to accept digital payments remotely – without a website or app.

With Paytm Payment Links, businesses can accept payments remotely by creating unique links. Merchants can create these links from the Paytm for Business app and share the links with their customers through SMS, WhatsApp, chatbots, email, etc. All the customers need to do is click on the link and make the payment using their preferred payment method like cards, netbanking, UPI, Paytm Wallet and more.

Along with easing the process of payments acceptance, Paytm Payment Links is also a very simple product to use. It ecompasses the following three steps:

  • Link creation
  • Link sharing
  • Payment completion

Let’s look at these steps in detail.

A merchant can create a payment link from the dashboard, business app or through APIs. There are two types of links that can be created – a basic link or a link with a template:

  • A basic link allows a merchant to enter the purpose of payment and the amount to be paid
  • A link with a template allows the merchant to attach a template with custom fields to the link, using which they can request customer information relevant to the purchase

A merchant can also include multiple types of amount fields, according to their business use case. This is a way to add dynamic pricing with a product-wise split of the total amount. Merchants can do this to:

  • Accept tips from customers
  • Add quantity-based product lines to add the unit cost and number of units bought
  • Add a purchase form for their customers
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Once a link is created, the merchant can share the link through email, WhatsApp, SMS, email, chatbots or social media.

Payment completion

All the customer has to do is click on the link to make the payment. The link can be opened on their Paytm app or in their browser. Once the payment is completed, the merchant receives a payment confirmation through SMS, email or APIs.

The payments are settled into the merchant’s bank account as per their settlement cycle.

There’s a lot more that merchants can do with Paytm Payment Links

  • Partial payments: Merchants can ask their customers to make payments in parts or installments
  • International payments: Merchants can accept payments from customers in over 200 countries
  • Bulk links: Merchants can create up to 1 lakh payment links in one go by uploading a CSV file without any API integration

Sign up for Paytm Payment Links today.

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How to Create Paytm Payment Links from the Business Dashboard

Creating a payment link takes less than a minute. Once created, you can instantly send the payment link to your customers via SMS, email, WhatsApp, chatbots, etc., and get paid instantaneously without any integration.