How to generate payment link to receive money
Create payment link with UPI ID — Instant & Business Guide
Simple guide — step-by-step samjha hua, bilkul natural language mein. Ye article aapko batayega how to generate payment link for credit card, kaunse payment link gateway use karein, aur kaise accept payment through link instantly — personal ya business dono ke liye.
Payment link kya hota hai?
Payment link ek URL hota hai jo aap customer ya friend ko bhejte ho. Link click karne par payment options dikhte hain — UPI, card, netbanking ya wallet — aur payment seedha aapke account mein aa jata hai. Agar aap chahte ho Create payment link with UPI ID, to sabse simple aur fast method yehi hai.
1) Create payment link with UPI ID (fast method)
Agar aap UPI ID se direct payment lena chahte ho to UPI link banana best hai. Ye manually bhi ban sakta hai ya app se generate hota hai.
upi://pay?pa=yourupi@bank&pn=YourName&am=&cu=INRpa=UPI ID, pn=Payee name, am=amount (optional)
Agar aap amount specify nahi karoge to payer apna amount enter kar sakta hai — isliye personal payments ke liye ye bahut useful hai.
2) How to generate payment link for credit card
Credit card se payment accept karne ke liye aapko payment gateway use karna padega. Ye gateways card, UPI, netbanking sab support karte hain.
Popular payment link gateways:
- Razorpay — Payment Links (card + UPI + netbanking)
- PayU — Payment Links
- Cashfree — Payment Links
- Instamojo — Simple payment links for small businesses
Simple steps (example Razorpay):
- Razorpay account banao aur KYC complete karo.
- Dashboard → Payment Links → Create New Link.
- Amount, description, customer mobile/email daalo.
- Link generate karo aur share karo (WhatsApp/Email/SMS).
- Customer card ya UPI se pay karega; payment aapke account mein reflect hoga.
3) Payment link gateway — kya dekhna chahiye
Gateway choose karte waqt ye cheezein check karo:
- Payment methods: Card + UPI + Netbanking support ho.
- Fee: transaction fees aur monthly charges kya hain.
- Settlement time: kitne din mein paise aapke bank mein aa jayenge.
- Ease of use: links, invoices, bulk links aur reporting features.
- Security: PCI compliance aur fraud protection.
4) Accept payment through link — best practices
Jab aap accept payment through link karte ho, to kuch simple practices follow karo:
- Link bhejne se pehle amount aur description clear likho.
- Payment aane par confirmation message bhejo.
- Recurring payments ke liye automatic reminders set karo (gateway features use karo).
- Fraud se bachne ke liye unknown links verify karo.
5) Instant payment link — kaise paayein
Instant payment link ka matlab — user click karte hi turant payment option aa jaye. UPI links aur most gateways instant hote hain. Simple UPI link ya gateway ka “instant link” feature use karo.
Quick tips:
- UPI ID use karne par koi onboarding nahi chahiye — direct payment possible.
- Gateway links me customer ko card entry ya UPI app choose karna hota hai, par process still instant hota hai.
6) Create payment link for business — small shop ya freelancer
Business ke liye thoda professional setup chahiye: invoices, GST details (agar applicable), reconciliation features. Gateways in sab cheezon ko handle kar dete hain.
Business setup steps (short):
- Choose gateway (Razorpay / PayU / Cashfree / Instamojo).
- Sign up aur KYC complete karo (business documents, bank details).
- Payment Links / Invoices create karo; branding (logo) add karo.
- Links share karo — website, WhatsApp, email ya SMS pe.
Isse aap easily Create payment link for business kar sakte ho aur professional receipts bhi bhej sakte ho.
7) Short comparison — UPI link vs Gateway link
| Feature | UPI Link | Gateway Link |
|---|---|---|
| Payment methods | UPI only | Card, UPI, Netbanking, Wallet |
| Fees | Usually free | Transaction fee (variable) |
| Best for | Personal transfers, quick requests | Business, card payments, invoices |
8) Quick sample links / examples
UPI example (no amount):upi://pay?pa=yourupi@bank&pn=YourName&am=&cu=INR
Gateway example: (Yeh aapke gateway dashboard se milega — ek normal link kuch is tarah dikh sakta hai)
https://pay.examplegateway.com/link/ABC123xyz
Conclusion — kya choose karein?
Agar aapko Create payment link with UPI ID chahiye for quick personal transfers — UPI link best hai. Agar aapko How to generate payment link for credit card ya professional invoices chahiye to payment link gateway choose karo. Dono hi cases me aap accept payment through link aur instant payment link ka benefit utha sakte ho. Business ke liye gateways better features dete hain — reporting, settlement aur reconciliation.
