Paytm Payment Links are used to collect payments from your customers, wherever they are. A Payment Link is a simple web address that can be shared via SMS, email or your favourite chat software with one or many customers. When your customers click the link, they can complete payment either via Paytm app if it’s installed on your customer’s phone or via a simple payment page that opens in a web/mobile web browser.
Payment Links can be created via your Paytm Dashboard or via APIs. Your customers do not need to have a Paytm account to pay you using Payment Links.
Payment Links can be customized according to your requirements:
Type of Link
There is no limit on the number of customers, payments, or amount
Fixed Amount Link
There is no restriction on the number of payments but the amount is fixed
You can collect customer details by capturing additional information during payments
Send detailed invoices with product-wise amount breakdown
Demo of Payment via Payment Links
Overview of Payment Processing via Paytm Payment Links
Use the Create Link API when you need to generate links in bulk or within your application.
Specify the mobile number and email Id to send a link via SMS/Email automatically after the link creation.
Use the Resend Notification Link API to resend the link to any mobile number/email address in case you need to remind a customer for payment.
When your customer clicks the link, one of the following may happen:
If your customer has the Paytm App installed, the app is invoked to make payment
If your customer does not have the Paytm App installed, payment link opens in a desktop/mobile browser
Customers can pay using all available payment methods on your account - Paytm Wallet, UPI, Paytm Payments Bank, Credit/Debit Cards, Netbanking, Paytm Postpaid, and more.
Once a customer completes the payment, Payment Callback Notification is sent to your Callback URL specified at the time of link creation. In case a Callback URL is not specified, the notification is sent on the registered Callback URL submitted at the time of account creation.
MID (Merchant ID): This is a unique identifier provided to every merchant by Paytm. MID is part of your account credentials and is different on staging and production environment. Your staging MID is available here and production MID will be available once your activation is complete.
Merchant Key: This is a unique secret key used for secure encryption of every request. This needs to be kept on server-side and should not be shared with anyone.
Note: Client Secret and Merchant Key are secret keys used for encryption so never share these with anyone.
STEP 2: Create a Payment Link & share it with your customer
Demo of Link Creation
The following is a representative demo of how you can create payment links in your own application:
Create a Payment Link with Create Link API. You can specify the mobile number and email Id of the customer if you want to send this link to the customer through email & SMS respectively. Partial payments can be configured on links using this API to let customers pay multiple times on the link until it is marked paid.
You can modify the link anytime using Update Link API. Please note you can only modify the Link Description and Expiry Date.
You can cancel a link anytime using the Expire Link API. Your customer would not be able to complete payment once the link is expired.
You can resend the link to your customer on any Email ID and Mobile Number by using the Resend Link API.
Payment Pages: Collect additional information from customers
You can accept information from your users by sending a form along with the payment link. The customer journey will be as follows:
Customer clicks the payment link.
Form is opened in the web or mobile browser.
Post filling the required fields the customer proceeds to payment.
If your customer has the Paytm App installed, the app is invoked to make payment.
If your customer does not have the Paytm App installed, the payment process is continued in the desktop/mobile browser.
You can attach a form to your link using any of the following two ways:
Create a form template using the Paytm Merchant Dashboard
If you need to cancel or refund a successful transaction, you can do so by simply sending a Refund API request and ensuring success using the Refund Status API.
REFID - REFID parameter in Refund API should mandatory be sent as Unique ID for every refund request sent to Paytm.The refund request can fail due to insufficient funds in MPA (Merchant Payable Account). For failure refund status, the merchant can retry refunds. However, for Pending refunds merchant should not retry refund.
On completion of your integration
Once the test transaction is complete, move your code to live environment with production account details. Note that production accounts details are available after you have activated your account on the dashboard.
In case of any issues with integration, please Get in touch.