Digital shoppers’ payment habits are changing at a dynamic pace. They want speed, simplicity, security, and—most of all—convenience. For businesses, that means offering payment experiences that feel easy on the surface but are backed by solid and reliable infrastructure.
If you’re looking to offer greater convenience to your clients by providing an easy checkout experience, payment links are the way to go.
In this article, we’ll explore how payment links can simplify your checkout process and boost conversion—covering the following key points:
- What is a Payment link?
- How to use Payment Links?
- How do Payment Links Work?
- Benefits of Payment Links for Merchants
- PagBrasil Checkout: The Next Generation of Payment Links
What is a Payment Link?
A payment link is a web-based payment solution that allows merchants to accept online payments easily, without requiring a website, app, or traditional checkout system.
It works as a unique URL that directs customers to a dedicated payment webpage, where they can select their preferred payment method, enter their personal information, and complete their transaction—fast and hassle-free.
How to use Payment Links?
Merchants can use payment links in a variety of sales strategies—from social media to one-on-one messaging. This flexible solution adapts to different selling approaches and offers customers a fast, simple, and convenient way to complete their transactions.
Payment Links are highly versatile and can be used in multiple sales scenarios. Even if you already have an e-commerce store, you can use Payment Links to sell through social media, streamline B2B transactions, or recover abandoned carts.
Here are some of the most valuable use cases:
Recovering Abandoned Carts
Cart abandonment is a major issue for online retailers. According to the Baymard Institute, the average global cart abandonment rate reached 70.19% in 2023. This means that 7 out of 10 shoppers who add products to their cart do not complete their purchase.
Why do customers abandon their carts?
- Complicated checkout processes with too many steps;
- Limited or inconvenient payment options;
- Slow page loading times or system errors;
- Lack of trust in payment security;
Solution: Send a payment link via email, WhatsApp, or social media to encourage customers to complete their purchase. By simplifying the process, payment links help convert hesitant shoppers into paying customers, reducing lost sales.
Selling via WhatsApp, Social Media, or Messaging Apps
Social commerce—shopping via social media and messaging apps—is growing at an unprecedented rate. By 2025, global social commerce sales are expected to reach $1.2 trillion, fueled primarily by Gen Z and Millennials.
In Brazil:
- 79% of WhatsApp users have interacted with businesses on the platform;
- 59% of Brazilian consumers feel comfortable making purchases through WhatsApp (Opinion Box survey);
With payment links, businesses can:
- Accept orders directly on WhatsApp, Instagram, and Facebook Messenger;
- Offer frictionless payments, improving the customer experience;
- Increase sales by making it easier for customers to pay instantly;
B2B Transactions (Business-to-Business Sales)
For companies selling to other businesses (B2B), payment links offer a secure, professional, and customizable payment solution.
Why use payment links for B2B transactions?
- No need for complex invoicing systems;
- Faster payments with pre-filled customer data;
- Ideal for businesses without e-commerce checkouts;
- Enables bulk payments and installment options;
For businesses that sell both B2C and B2B:
- Use a standard checkout for B2C customers;
- Use payment links for B2B transactions to streamline payments;
How do Payment Links Work?
One of the biggest advantages of a payment link is its simplicity. Unlike traditional payment solutions that require website integration and custom development, payment links can be generated instantly and used right away—no technical expertise needed.
See how payment links work:
- The merchant generates a unique payment link using a payment platform, processor, or gateway.
- The link includes all relevant transaction details, including the product price, accepted payment methods, and expiration date.
- The merchant shares the link through their preferred communication channels, such as WhatsApp, Instagram, Facebook Messenger, Telegram, email, SMS, or QR codes.
- Customers click the link and are directed to a secure payment page, where they select their payment method (credit card, Pix, boleto, digital wallets, etc.) and enter the required details.
- Once the payment is confirmed, the merchant receives a notification, and the funds are credited to their account.
Payment links eliminate integration barriers—which is why they’re one of the easiest and fastest ways for businesses to start accepting online payments.
Benefits of Payment Links for Merchants
Payment links offer a simple, flexible way to accept payments without the need for a complex technical set-up. Whether you’re selling through social media, messaging apps, or email, this solution helps streamline your checkout process and reach more customers—while keeping transactions secure and user-friendly.
- No complex integrations required – Quick setup and easy implementation;
- Faster checkout – Fewer steps lead to less abandoned carts – and more completed transactions;
- More payment options – Accept Pix, credit cards, boleto, and digital wallets;
- Omnichannel sales – Sell through social media, messaging apps, email, and more;
- Enhanced security – Transactions are encrypted and protected against fraud;
- Higher customer retention – A smoother checkout experience encourages repeat purchases;
- Custom branding and features – Add your store’s logo, set up installment plans, and integrate SKUs;
PagBrasil Checkout: The Next Generation of Payment Links
PagBrasil Checkout is Brazil’s most advanced external checkout solution, offering features beyond traditional Payment Links.
- Supports a wider range of payment methods, including Apple Pay, Boleto Flash®, and Pix.
- Allows merchants to pre-fill customer data for a seamless experience.
- Integrates with API solutions, making it easier for large businesses to automate transactions.
- Includes PagShield® Fraud Prevention – real-time analysis to minimize chargebacks.
- Supports recurring payments via PagStream®, offering automated billing recovery.
Want to learn how Payment Links can optimize your online sales?
