Share payment links with customers via SMS, email, or WhatsApp and get paid instantly via 180+ payment modes — no website, no coding, no setup fees.
Cashfree Festive Offer 0% MDR* 1.95% — Now get India's best payment gateway pricing. Cashfree Festive Offer is available for eligible new merchants from 21st July 2026 till 31st March 2027, up to ₹20 Lakh/month, with at least 40% monthly GTV via UPI.
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Trusted by: Tata Cliq · CRED · APML · The Nestery · Bombay Shirt Company · Khadi Essentials · WedMeGood · Wonderchef · Pine Labs · Bajaj Finserv · Drivezy · RAW
Payment methods: UPI · Google Pay · Amazon Pay · Visa · Mastercard · PayPal
A payment link is a shareable URL that lets businesses collect money from customers instantly — no payment gateway integration, no checkout page, and no coding required. When a customer clicks the link, they are taken to a secure, branded checkout page where they can pay using any available method: UPI, credit/debit cards, net banking, wallets, EMI, or international cards.
Cashfree Payment Links are built on top of the Cashfree Payment Gateway — India's leading payment infrastructure trusted by 1 million+ businesses. Every payment collected via a link is automatically reconciled, reported, and settled to your bank account.
Payment links are also known as: pay links · payment request links · online payment links · UPI payment links · digital payment links · shareable checkout links
Cashfree Payment Links are a no-code solution that lets you send customers a link they can click on smartphones or computers. Clicking the link opens a customisable checkout experience offering all available payment modes on your account.
Payment Links work by creating a hosted checkout linked to your Cashfree Payment Gateway account. Any Payment Link created via your account directs customers to a checkout from which they make payments that reach Cashfree systems and are then settled to you.
Step 1 — Create a Payment Link Create via the Cashfree dashboard or use the Payment Links API. Customise the link by adding your brand colour and logo.
Step 2 — Share with Your Customer Enter customer contact details and share the payment link via WhatsApp, SMS, email, or any messaging app. Links can be automatically sent to the customer's email and phone during creation.
Step 3 — Accept & Track Payments Customers pay via UPI or any other available payment method. Get notified in real time about successful payments. All payments automatically updated in reports and transactions module.
Reminders on Auto-Pilot Send automated SMS to customers to remind them about outstanding payments. Set multiple automated reminders to get paid on time and boost revenue. Featured business: Orchids
Accept Partial Payments Let customers initiate partial payments in case of service fulfilment and collect the remaining payment on completion. Enable Partial Payments, set the minimum amount you wish to collect, and customers can make multiple payments between the minimum and the link amount. Featured business: APML
Cart Abandonment Recovery Generate Payment Links to target customers with abandoned carts for quick payment collection, improving conversion. Featured business: Tata Cliq
Chat & SMS — Share payment links via SMS and sell on the go.
Email — Reduce cart abandonment and add links to email.
Social Media — Turn your social media feed into a shopping site.
Chatbots — Enable online payments as part of conversational flow using links.
Digital Invoice — Add links to your invoices and get paid instantly.
Door Step Delivery — No cash, no worries. Use links to get paid instantly.
D2C brands and businesses using social media platforms like Instagram and WhatsApp for selling don't need a website to get paid. Personalise the checkout page, add your brand logo, choose colours and style that reflect your brand, and get paid instantly. Create Account
Send reminders and collect payments for utility bills and similar services — telephone, gas, electricity bills, insurance premium, and other services. Create Account
Lending companies, NBFCs, and agents can use Payment Links to collect loan instalments, SIP instalments, and credit card payments. Create Account
Tutorials, K12 schools, coaching and education institutes can collect fees in bulk by sending links and reminders to students. Online courses, Olympiad providers, and educators can request, send reminders, and collect course and test fees. Create Account
Provide a Book Now Pay Later payment strategy to customers and collect the amount at the time of service completion. Pair with Buy Now Pay Later to offer flexible payment options and increase conversion by up to 30%. Create Account
Integrate Payment Links with your invoicing tool or ERPs to automate collections. Integrate with your accounting or invoicing ERP and offer it to your customers. Partner with us →
Easy Integration Create orders and generate payment links in bulk by uploading a simple CSV or XLSX file. Save time and reduce errors. Create Payment Links with your systems using Payment Links APIs.
Easier Reconciliation Get real-time reports on transactions processed through payment links and help your finance team manage the books better.
Instant Settlements Once payment is collected, access your funds within 15 minutes of payment capture — even on bank holidays — with Instant Settlements. No more waiting T+2 days to access your working capital.
Transparent and friendly pricing.
Zero charges for:
Standard Payment Gateway charges apply.
Custom pricing designed for enterprises:
Choosing the right payment link solution matters — not just for fees, but for settlement speed, reliability, and the features that keep your cash flow healthy. Here is how Cashfree compares to Razorpay, Instamojo, and PayU on the metrics that matter most to Indian businesses.
| Feature | Cashfree | Razorpay | Instamojo | PayU |
|---|---|---|---|---|
| Domestic transaction rate | 0% MDR* (promo) / 1.95% standard | 2% standard | 2% + ₹3 per transaction | ~2% standard |
| Setup fee | ₹0 | ₹0 | ₹0 | ₹0 |
| Annual maintenance | ₹0 | ₹0 | ₹0 | ₹0 |
| Payment link creation fee | ₹0 | ₹0 | ₹0 | ₹0 |
| Reminder fee | ₹0 | Varies | ₹0 (scheduled reminders via App Store) | ₹0 (automated reminders available) |
*0% MDRoffer valid for new merchants signing up between 21st July 2026 and 31st March 2027, for domestic transactions up to ₹20 Lakh/month GTV. Full T&C apply.
One of the most important — and most overlooked — differences between payment gateways is how fast you actually get your money.
| Cashfree | Razorpay | Instamojo | PayU | |
|---|---|---|---|---|
| Standard settlement | T+2 | T+2 | T+3 | T+2 |
| Fastest settlement | 15 minutes (Instant Settlement) | On-demand (at extra cost) | T+1 (paid plan) | Same-day (enterprise) |
| Bank holiday settlements | ✅ Yes | ✅ Yes (Instant Settlement) | ❌ No | ❌ No |
| On-demand settlement | ✅ Yes | ✅ Yes (at extra cost) | ❌ No | ❌ No |
Cashfree's Instant Settlement delivers funds within 15 minutes of payment capture, available 24×7 including bank holidays. Razorpay also offers on-demand instant settlement 24×7 including bank holidays, but at an additional cost per settlement. Instamojo and PayU offer no equivalent instant settlement on bank holidays at standard pricing. For businesses that need funds immediately after a payment — not hours later — Cashfree's 15-minute cycle is the fastest available.
| Feature | Cashfree | Razorpay | Instamojo | PayU |
|---|---|---|---|---|
| Partial payments | ✅ Yes | ✅ Yes | ✅ Yes (non-UPI links only) | ✅ Yes (non-UPI links only) |
| Automated reminders | ✅ Yes (multi-reminder, built-in) | ✅ Yes | ✅ Yes (via App Store scheduler) | ✅ Yes |
| Bulk creation via CSV/XLSX | ✅ Yes | ✅ Yes | ✅ Yes (CSV via bulk requests) | ✅ Yes |
| International payments | ✅ Yes (140+ currencies) | ✅ Yes | ⚠️ On request, INR only, no multi-currency | ✅ Yes |
| UPI payment links | ✅ Yes | ✅ Yes | ✅ Yes | ✅ Yes |
| Branded checkout (logo + colour) | ✅ Yes | ✅ Yes | Limited | Limited |
| API-based creation | ✅ Yes | ✅ Yes | Limited | ✅ Yes |
| WhatsApp sharing | ✅ Built-in (auto-send during creation) | ✅ Via WhatsApp Bot (App Store install required) | Manual copy-paste | Manual copy-paste |
Payment Links are only one side of the equation. After collecting payments, you often need to disburse funds — to vendors, freelancers, delivery partners, or customers as refunds.
Cashfree's Payouts platform is widely regarded as the most robust in India for bulk disbursals, supporting instant transfers to bank accounts, UPI IDs, cards, and wallets — 24×7, including holidays. Businesses running marketplaces, gig-economy platforms, or lending operations consistently rate Cashfree's payout infrastructure ahead of competitors.
Pair Payment Links with Payouts for a complete collect-and-disburse workflow — without switching platforms.
Cashfree Payments holds both an RBI Payment Aggregator licence (No. 266/2025) and an RBI Prepaid Payment Instrument (PPI) licence (No. 209/2024) — among the most stringent regulatory validations available to a payment company in India.
Choose Cashfree if you need:
Every Cashfree Payment Link is backed by enterprise-grade infrastructure:
Cashfree Payment Links work seamlessly with the rest of the Cashfree ecosystem. Use them standalone or combine with other products for a complete payment stack.
Cashfree Payment Links are a no-code solution for collecting digital payments from customers. You send a customer a link they can click on their smartphone or computer. Clicking the link opens a customisable checkout with all available payment modes on your account — no technical effort required.
Payment Links work by creating a hosted checkout linked to your Cashfree Payment Gateway account. Payments made by customers reach Cashfree's systems and are settled to your account.
Payment Links are used by freelancers, SMBs, and enterprises for different reasons. Freelancers and small businesses use them as a convenient, no-code way to collect payments without building a website. D2C businesses use them to recover abandoned carts and increase conversion. Enterprise financial services companies use them to collect customised amounts from different customers when it's more convenient for end-users to click a link than open an app.
The most popular use case is when the customer has already decided to make a purchase via a call or another touchpoint, and only the payment needs to be collected.
Cashfree Payment Links include: automated reminders, support for international payments, partial payments, bulk payment link creation, customisable checkout, terms and conditions, customisable messages, and automated payment notifications — all without any coding or development effort.
Payment Links can be created in 3 steps and automatically sent to the customer's email and phone during creation. For other channels (WhatsApp, social media, chatbots), copy the link from the dashboard and paste it in the relevant channel.
Yes. Cashfree Payment Links are 100% secure and PCI DSS Level 1 compliant — the highest global standard for payment security. Cashfree holds an RBI Payment Aggregator licence (No. 266/2025) and is also certified under ISO 9001 and ISO 27001. Every transaction is protected by RiskShield, Cashfree's real-time ML-based fraud detection system.
Payment Links can be created directly from the Cashfree Payments dashboard or triggered via APIs. Dashboard creation requires just a few clicks — including the option to automatically send the link to the customer's phone number and email address.
Enter your customer's mobile number and email address and trigger SMS and email directly during creation. You can also copy and paste the link into a social media message, WhatsApp, or any other direct digital messaging channel.
Sign up for a Payment Links account and Cashfree Payment Gateway will be automatically activated. The Payment Links feature is available inside the Payment Gateway product.
Generate a payment link in 3 easy steps:
All payments are automatically updated in the reports and transactions module.
You need the customer's phone or email, and the amount and purpose for the link. Optionally, you can set a link expiry and enable partial payments with a minimum amount.
Yes. Upload a CSV or XLSX file containing the list of customers' contact details, amount, and purpose for the links — and send requests in bulk within minutes.
Yes. Enable Partial Payments and set the minimum amount you wish to collect. Customers can make multiple payments between the minimum and the link amount. Cashfree Payments notifies you of all partial payments made.
Yes. Cashfree Payment Links support international payments via international credit and debit cards (Visa, Mastercard, American Express, Diner's Club) and PayPal — across 140+ currencies. See Accept International Payments for full details on multi-currency checkout and INR settlement.
Yes. In the first step of creating a Payment Link, enter the exact amount you wish to collect from your customer.
If you enable partial payments, you can specify the minimum amount and the customer can choose to pay any amount between the minimum and the link amount. Cashfree Payments notifies you of all partial payments made.
Yes. Customers can pay across all major UPI apps. You can also create a UPI Payment Link — clicking the link automatically prompts the user to select their preferred UPI app from those installed on their phone, and complete payment in the app of their choice. Learn more about UPI QR Codes and UPI AutoPay for additional UPI-based collection options.
Yes. A website is required and must comply with onboarding requirements — displaying your business details and key policies (refund and privacy policies). This ensures compliance, faster onboarding, and a safe payment experience for your customers.
By default, funds are settled on a T+2 cycle. For faster access, activate Instant Settlements to receive funds within 15 minutes of payment capture — available 24×7, including bank holidays.
Both offer UPI, card, and net banking support. Key differences: Cashfree's standard rate (1.95%) and promotional rate (0% MDR) are lower than Razorpay's standard 2%. Cashfree's Instant Settlements deliver funds within 15 minutes any day, including holidays, while Razorpay's instant settlement comes at an additional cost and isn't available on bank holidays. Cashfree also offers built-in multi-reminder automation and partial payment support — see the full comparison above.
Payment Links are designed for one-time or partial payments. For automatic recurring billing, use Subscriptions, UPI AutoPay, or eNACH — all available from the same Cashfree account.
The customer can retry immediately using a different payment method — the same link remains active until its expiry date. You will receive a notification only for successful payments. For platform-level uptime monitoring, check the Bank Downtime Detector.
Yes. Use the Payment Links API to trigger link creation from any invoicing tool, CRM, or ERP. Cashfree also has native integrations with Zoho, Shopify, WooCommerce, Wix, and WordPress. For enterprise ERP partnerships, contact sales.
Yes. All Payment Links are protected by RiskShield, Cashfree's ML-based fraud detection layer that monitors every transaction in real time for anomalous patterns. Cashfree is PCI DSS Level 1 compliant and RBI authorised.
Cashfree offers a KYC Link — a shareable URL that takes customers through a remote KYC verification flow. This can be used alongside or before a Payment Link for regulated industries like lending, insurance, or financial services.
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Cashfree Payments enables 1 Million+ growing businesses in India and globally to collect payments, manage international payments, and more. Backed by SBI, Y Combinator, Krafton, and Apis Partners. Incubated by PayPal.
Certifications: PCI DSS · ISO 9001 · ISO 27001
RBI Authorised Payment Aggregator License — Certificate of Authorisation No. 266/2025 RBI Authorised Prepaid Payment Instrument (PPI) Provider — Certificate of Authorisation No. 209/2024
Terms · PPI Terms · Privacy · Grievance Policy
© 2026 Cashfree Payments India Private Limited
*0% MDRoffer applies to new merchants signing up between 21st July 2026 and 31st March 2027 for domestic transactions (UPI, credit/debit cards, net banking) up to ₹20 Lakh/month GTV. Standard rate of 1.95% applies above ₹20 Lakh/month or after offer period. International card transactions are not included. Full Terms & Conditions Apply.