How to Create a Payment Link and Accept Payments Without Sharing Bank Details

A payment link is a way to accept online payments without a website or complex integrations: you send a customer a ready-made link, and they complete the payment in just a few clicks without entering bank account details. Often, a customer is already ready to pay, but the payment gets delayed or never happens once they have to manually enter an IBAN, amount, and payment reference. These are extra steps where mistakes can happen or where the customer may simply decide to postpone the payment until later.

A payment link removes this step. The customer receives a ready-to-use payment page with the amount already filled in and can pay immediately. As a result, businesses deal with fewer payment errors and move from agreement to actual payment much faster.

In this article, we’ll explain how payment links work, who they are best suited for, and how to organize the process without manual data entry.

How Payment Links Work

A payment link creates a payment flow where all payment details are already prefilled, eliminating the need to enter information manually or switch between apps.

In this process, no additional actions are required after payment. The payment is automatically fiscalized, and the receipt is immediately generated in the Vchasno.Kasa web dashboard.

Bank Transfer or Payment Link: Which Is More Convenient for a Business?

When customers pay using bank details, they enter the information themselves, which increases the risk of errors or delayed payments. A payment link removes this step and shortens the path to payment.

Common Situations Where Payment Links Work Better Than IBAN Transfers

Payment links are particularly useful when payment takes place after details have been agreed upon with the customer.

For example:

• service appointments or deposits — a specialist sends a payment link to confirm the booking immediately;
• personalized services and consultations — once the price is agreed upon, the customer receives a payment link right away;
• online courses and training — access to a webinar or course is provided after payment through the link;
• delivery services or on-site services — customers pay during or after placing an order;
• small online stores — payment is completed after order details are confirmed through messaging.

In these situations, payment links help businesses move from agreement to payment more quickly while avoiding common payment errors.

ℹ️ When a Payment Link May Not Be the Best Option

A payment link is not always the most convenient solution. It may not be suitable if:

• you already have a fully functional website with a shopping cart and integrated checkout page;
• customers make purchases without prior communication;
• orders are standardized and do not require clarification;
• you need to automatically process a large volume of similar payments.

In these cases, website checkout is usually faster because there is no need to create a separate payment link for every order.

Why Payment Links Make Life Easier for Sellers

For customers, it means a faster payment experience. For sellers, payment links eliminate several additional steps.

For example, there is no need to:

• send payment details to every customer manually;
• resolve issues caused by incorrect payment amounts or references;
• manually verify who paid and whether the amount matches;
• explain the payment process to every customer individually.

For example, an online school sells access to a webinar. Once the details are agreed upon, the manager sends a payment link for the exact amount. The customer pays immediately, and access can be granted without any additional verification.

How to Set Up Payment Links

To create payment links, you only need to configure payment acceptance once. After that, links can be generated for each order in just a few clicks.

In Vchasno.Kasa, this works together with the RozetkaPay payment link service.

How to Create a Payment Link

Once Vchasno.Kasa is connected and registration in RozetkaPay is complete, a payment link can be created for a specific order.

The customer opens the link and pays by card or another available payment method.

If needed, the receipt can be customized with your brand identity by adding a logo, contact information, or a short message for the customer. This allows businesses not only to process payments correctly but also to maintain a consistent brand experience.

How Vchasno.Kasa Combines Payment and Receipt Generation

When a business accepts card payments, payment processing and fiscalization often happen as two separate steps. First, the customer pays, and then a receipt must be generated in the software cash register system.

Vchasno.Kasa combines these actions into a single process, so there is no need to:

• open the software cash register after every payment;
• manually transfer payment amounts or verify data;
• create a receipt separately after payment.

Payment acceptance, sale registration, and receipt fiscalization happen within one workflow. Payment information automatically matches the receipt, eliminating the need for manual reconciliation or corrections.

It also becomes easier to monitor payments because every transaction immediately has its corresponding receipt and cannot be lost among other operations.

Checklist: Does Your Business Need Payment Links?

Payment links may be a good fit if:

• you manually send IBAN details to customers;
• customers occasionally enter the wrong payment amount or payment reference;
• payments are delayed after an order is confirmed;
• you need to collect deposits or confirm reservations;
• payment reconciliation takes too much time;
• you need a fiscal receipt to be generated immediately after payment.

If several of these points sound familiar, payment links can significantly simplify your payment acceptance process.

Conclusion

To accept payments without sharing bank account details, all you need is a payment link service that allows you to send customers a ready-made payment page with the amount already specified. Customers simply open the link and complete the payment without entering data manually.

With Vchasno.Kasa, this process is enhanced by automatic receipt fiscalization. Once payment is completed, the receipt is generated automatically without additional actions. As a result, businesses get a simple workflow: agreement → payment → receipt, without separate receipt creation or manual payment verification.