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Pay by link

Send customers a secure link via email, text, social media or on an invoice.

 

Pay by link

If you want to accept payments from customers without having to create your own website, you can easily create and send a payment link using our Virtual Terminal.

The link directs the customer to a payment page hosted by Lloyds Bank Online Payments, where they simply enter their payment details and complete the transaction. Could be perfect for those paying after a delivery, or if your business doesn’t have an online presence.

 

Sending a secure payment link

You can create and send a secure payment link to customers in several different ways. These include embedding into email, SMS, WhatsApp or even as part of an invoice.

You can also convert your payment link into a QR code before you send it, to allow customers to pay using their smartphone.

Benefits of using a Cardnet Integrated Payment Page

Reduce cost

No need to set up a website to accept payments.

Easy to use

Customers can pay without the need for logins and passwords.

Quicker payment

Add payment links to invoices, so customers can pay as soon as they receive them.

Ready to start taking payments online?

Ready to start taking payments online?

If you want to take payments online, speak to one of our specialists today. 

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How to take payments using a link

It’s easy to set up and send a payment link to your customers. You can add the link to an email or invoice, helping you simplify your payment process while making it easy for your customers to pay.

Watch the tutorial video 

Pay by URL Guide (PDF, 666KB)

1: Generate link

Log onto our Virtual Terminal to generate a payment URL.

2: Share

Share the payment link with your customers via email, social media, WhatsApp or text.

3: Accept payment

Ask you customer to simply click on the link to provide their payment details.

4: Receive funds

Funds should arrive in your business bank account within three-to-five working days of the transaction. 

Frequently asked questions

Is it safe to use pay by link?

Payment links are a secure option for everyone involved – your customer simply clicks on a unique, one-time link and enters their card details through their phone, tablet or computer. All payments are supported by key fraud prevention tools such as 3DSecure V2, ensuring the transaction is carried out safely. Once the payment is made, none of their information is stored and the link is deactivated.

  • Payment links are a secure option for everyone involved – your customer simply clicks on a unique, one-time link and enters their card details through their phone, tablet or computer. All payments are supported by key fraud prevention tools such as 3DSecure V2, ensuring the transaction is carried out safely. Once the payment is made, none of their information is stored and the link is deactivated.

  • A payment that’s already been processed can be fully or partially refunded by going into the payment link  order details on our Virtual Terminal and following the refund process.

  • As soon as someone pays using your payment link you will receive an email. You can check the status of all your payment links via our secure online Virtual Terminal.

Other ways to take payments

Illustration of making a payment using a card reader

Card readers

Take debit or credit card payments face to face at the till, at a table or away from your premises.
 

Card readers
Illustration of making a payment on a mobile phone

Over the phone

Take payments over the phone using additional functionality on a card reader or by using our secure online Virtual Terminal.

Over-the-phone payments
Illustration of making a payment on a laptop

Online

Take payments through your website and other digital channels.

 

Online payments

Important legal information

Cardnet® is a registered trademark of Lloyds Bank plc.

We may monitor or record calls to make sure we have carried out your instructions correctly and to help improve the quality of our service.

Please remember we cannot guarantee the security of messages sent by email.

Lloyds Bank plc and Bank of Scotland plc (member of Lloyds Banking Group) are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Authorisation can be checked on the Financial Services Register at www.fca.org.uk