MobiKwik Payment Gateway: India's shift from a cash-dominated economic model to cashless digital payments has created a demand for an easy, hassle-free digital or cashless payment method for all types of business activities. Companies that were only accepting cash payments are now able to manage and receive digital payments just like online shops. However, many small merchants lack the technical knowledge needed to create an online shop and receive digital payments. The best way to achieve this without investing or using development resources is to create UPI payment links through PayU.

PayU India's UPI Payment Link enables us to remotely collect payments for the products and services we provide to our customers. We can create a UPI payment link that describes the products and services and send it to the consumer via SMS, WhatsApp, or email to collect the payment.UPI payment links are a no-programming required payment tool that allows us to start collecting payments in a matter of minutes. Some of the UPI apps that can create payment links using PayU India include Bhim UPI and WhatsApp.

We can also use the UPI Payment Link API to create UPI payment links. Consumers can pay via their preferred payment method, supported payment methods include UPI, net banking, debit cards, wallets, credit cards, etc.

Payment links are connected to an organisation's ecosystem and apply to both offline and online business. Below are some situations where payment links may be useful:

- Small Business: Merchants without a website or app can use the UPI Payment Link, which is the easiest and best way to start receiving online payments.

- Social Media Transactions: Today, many companies conduct business through WhatsApp, Facebook, Instagram and Twitter. These merchants can easily share UPI payment links with consumers, offering quick payment options.

- Utility services: Utility service providers can use payment links to collect electricity, telephone, insurance, gas, etc.

- Instalment collection: Insurance agents and Non-Banking Financial Institutions (NBFCs) can use payment links to collect Systematic Investment Plan (SIP) instalments, loan instalments, credit card bills, etc.

- Customised Payments: Businesses can use payment links to offer special discounts for bulk purchases, as well as for services such as warranty services, customised packaging and more.

### How to create a UPI payment link

Merchants can use the UPI app to create and send UPI payment links to receive payments. To use UPI Payment Link Generator, we first need to add product and consumer details. After that, UPI payment link will be generated which can be shared via SMS, WhatsApp, Email etc. After clicking on the link, the consumer selects one of the multiple UPI apps installed on their phone to make the payment. A maximum of Rs 10,000 can be sent or received in a single transaction using the UPI payment link.

##### Steps to create a UPI payment link:

1. Visit the PayU India website and click on the "Payment Gateway" tab on the dashboard.

2. Under the Payment Gateway tab, select "Payment Link" and then "Create Payment Link".

3. Now click on the "Create UPI Payment Link" tab.

4. In the payment details, state the purpose of the customer's payment. Merchants need to keep the purpose clear and concise so that the customer understands the reason for the payment.

5. Set the expiry time of the payment link.

6. Fill in the consumer's email address and mobile phone number to share the link.

7. Choose whether or not to send automatic payment reminders to your customers.

8. Merchants may also attach additional descriptions and link IDs for their own reference, which are not visible to consumers.

**Note:** Partial payments are not allowed for payments using the UPI payment link.

##### How do I create a payment link through PayU?

1. Visit the PayU India website and click on the "Payment Gateway" tab on the dashboard.

2. Under the Payment Gateway tab, select "Payment Link" and then "Create Payment Link".

3. In the payment details, state the purpose of the customer's payment. Merchants need to keep the purpose clear and concise so that the customer understands the reason for the payment.

4. If you accept consumer instalments, select "Allow partial payments".

5. Set the expiry time of the payment link.

6. Fill in the consumer's e-mail address and mobile phone number.

7. Choose whether or not to send automatic payment reminders to your customers.

8. Merchants may also attach additional descriptions and link IDs for their own reference, which are not visible to consumers.

Merchants can also use the bulk feature to create multiple payment links at once. To do so, they need to fill in all the necessary details in a single file and then upload it to the bulk section.

**Frequently Asked Questions**

- What is UPI Payment Link? It is a digital payment system that allows merchants to collect payments through the link and consumers to make payments through UPI apps, net banking, wallets, etc.

- Why should merchants and customers use UPI Payment Links? Payment links are the easiest way for merchants to accept payments, and for consumers payments also bring convenience to merchants.

- How can merchants create UPI payment links? Merchants can create such links by visiting the PayU India website where they will find the option to create UPI payment links.

- Is it safe to create a UPI payment link? Creating a UPI or payment link is just as safe as using UPI to make a payment.

- Can consumers make partial payments? Consumers can make partial payments using the payment link if the merchant allows it. However, UPI payment links do not support partial payment options.