Payment links
Turn any customer touchpoint into a checkout
Go fully no-code or programmatically generate reusable links and personalised e-invoices. Send payment links by email, through messengers, or within your app. We offer a flexible way to accept payments for online and offline businesses, and expose the same capabilities for platforms and apps.
Principal Member of Visa, Mastercard, and UnionPay – Acquirer
FCA-authorised payment provider in the UK *
We are here when payment operations demand more
Reliable acquiring without aggregation middlemen
We sit at the core of the payment chain, ensuring high-level security and remaining accountable to regulators and card schemes.
Payment advisory and proactive involvement
We analyse your business to design the right payment setup, support you during the journey, and give you access to the decision-makers.
Next-gen technology that adapts to your business
We run a flexible, powerful payment stack that we can configure around your flows and shape as your requirements evolve.
Make payment links work your way
Static reusable payment links
Accept outside your website
Create reusable, secure payment links and take customers straight to a hosted payment page without additional development. Share them wherever the transaction starts: email, messaging, customer portal, or offline interaction.
Personalised e-invoicing links
Make your bills paid, faster
Create individual payment link around a specific customer, amount, and payment purpose, then provide an immediate way to pay. Give customers a convenient card-payment option and deliver invoices digitally or use QR code.
Payment link API
Automate your payment operations
Generate payment requests automatically from the data already held in your ERP, CRM or billing system. Remove manual creation from high-volume invoice workflows.
Embed link generation into your product
Let your merchants or business customers generate payment links directly inside your platform or app while FMPay provides the underlying licensed infrastructure.
Conversion-first experience behind your payment links
Frictionless UX
A responsive payment page, with autofill and input validation that help customers complete payments with fewer errors.
Branded design
Customise the payment page around your brand, from visual identity and templates to the experience across devices.
Smart 3D Secure
We intelligently manage 3DS to reduce unnecessary challenges without compromising authentication or risk controls.
Data-driven optimisation
Use A/B testing and payment-page analytics to understand drop-offs, compare experiences and continuously improve conversion.
Frictionless UX
A responsive payment page, with autofill and input validation that help customers complete payments with fewer errors.
Branded design
Customise the payment page around your brand, from visual identity and templates to the experience across devices.
Smart 3D Secure
We intelligently manage 3DS to reduce unnecessary challenges without compromising authentication or risk controls.
Data-driven optimisation
Use A/B testing and payment-page analytics to understand drop-offs, compare experiences and continuously improve conversion.
Conversion-boosting features
Card tokenisation
Multi-language & Multicurrency
Card verification without charging
Secure card storage
Get a strategic advantage with links for payment
Accept payments wherever business happens
Bridge online and in-person interactions with one flexible payment experience. Turn remote, digital and physical customer touchpoints into a way to get paid.
Make every payment easier to complete
Reduce the distance between request and payment. Give customers an immediate, accessible way to pay from any device. Collect faster and with less friction.
Bring fragmented payment requests into one digital flow
Standardise how payments are requested. Move more of the process into a trackable digital environment, with clearer visibility over payment status and outcomes.
How online payment links work for the businesses we focus on
Creator platforms
Let users pay creators through a direct pay-by-link flow without interrupting the conversation.
Education platforms
Collect course fees, deposits and one-off payments across any digital journey.
B2B SaaS platforms
Let your customers generate and share payment links for business directly from your web portal.
Wellness goods & services
Give customers the same simple way to pay wherever the purchase starts.
Marketplaces
Create a direct payment path for transactions that happen outside a standard checkout.
Other options to accept payments
The difference is what comes with the FMPay infrastructure
Local UK and EU acquiring
Expand across both markets without rebuilding your acquiring setup, while keeping more transactions local for better payment economics.
Global reach built in
Accept and send payments across 140 countries and 160 currencies through the global card payment networks.
C-level one message away
Get direct access to the people who can actually make things happen without layers of chatbots, ticket queues, and account-management escalation.
Proactive risk management
We proactively watch your payment flows and flag regulatory, scheme and fraud issues early, before they turn into restrictions or frozen funds.
A custom payment setup
We configure the right mix of products, capabilities, commercial terms and payment models around how your business operates and makes money.
Navigational expertise
Get strategic payment advice alongside the infrastructure. We continuously help optimise your setup and identify what needs to change as your model evolves.
Frequently asked questions
What is a payment link and how does it work?
A payment link is a checkout link. A URL that opens a hosted payment page with the amount, currency, and reference already set. You create it, share it wherever the conversation is already happening, and the customer pays by card on a responsive page with autofill and input validation. Nothing is installed on your side, and you don't have to build a checkout, because we host the page.
Can I accept payments without a website using FMPay?
Yes. Payment links are designed to work without a website, which is why they suit businesses that sell over email, messengers, customer portals or face to face. A reusable link takes the customer straight to a hosted payment page, and for offline interactions the same link works as a QR code payment the customer scans and completes on their own phone.
How do I create a payment link with FMPay?
Three ways, depending on how much you want automated. You can go fully no-code and use the link generator in the portal to create a shareable reusable link in a few clicks. You can create personalised invoice and payment links built around a specific customer, amount and payment purpose. Or you can use the payment link API to generate requests automatically from the data already held in your ERP, CRM or billing system, and platforms can embed link generation inside their own product while we provide the licensed infrastructure underneath.
Which payment methods can customers use with FMPay payment links?
Cards through Visa, Mastercard and UnionPay, plus Apple Pay and Google Pay on the same hosted page. The page supports multiple languages and currencies, card tokenisation and secure card storage mean returning customers do not re-enter details, and card verification without charging lets you confirm a card before taking money.
Can I customise the payment page with my logo and brand colours?
Yes. The payment page is customised around your brand, from visual identity and templates through to how the experience behaves across devices. You can also run A/B tests and read payment-page analytics to see where customers drop off, compare versions and improve conversion over time.
Are FMPay payment links secure?
The link opens a hosted page that we run as a Principal Member of Visa, Mastercard and UnionPay, authorised by the FCA in the UK and the MFSA in the EU. Card data is tokenised and stored securely, and 3D Secure authentication is applied intelligently so that risk controls stay intact. We also monitor payment flows proactively and flag scheme, fraud and regulatory issues early, before they turn into restrictions or frozen funds.
How quickly do I receive funds after a payment is made?
Settlement runs on the schedule agreed for your account, and faster cycles, including instant settlement, are available depending on your setup, volumes, and risk profile. Your account manager confirms the cycle that applies to you before you go live.
Can I create recurring or subscription payment links?
Card tokenisation and secure card storage let you charge a saved card again without asking the customer to re-enter details, which is what sits underneath recurring billing. Whether a link itself can carry a subscription schedule depends on your setup, so ask us how your billing model maps onto it.
Do payment links work for international customers?
Yes. Links reach customers across 140 countries and 160 currencies through the global card networks, and the payment page adapts to language and currency so customers pay in terms they recognise. Local acquiring in both the UK and the EU means more transactions stay domestic, which improves authorisation rates and payment economics on cross-border volume.