Pay by Link & SMSPay Platform
I design and build end-to-end payment link platforms that let merchants collect money remotely — via SMS, WhatsApp, and email — with real-time tracking, automatic expiry, and seamless reconciliation.
3+
Delivery Channels
<2s
Link Generation
99.9%
Delivery Success
Real-time
Payment Tracking
Core Capabilities
Every component of a production-grade payment link platform — from generation to settlement.
Dynamic Link Generation
Short-URL payment link generation with configurable expiry, single-use or multi-use modes, and merchant-branded payment pages
Multi-Channel Delivery
Automated delivery of payment links via SMS, WhatsApp Business API, email, and in-app notifications from a single API call
Real-Time Payment Tracking
Webhook-driven status updates and merchant dashboard with live payment tracking — pending, paid, expired, and failed states
Auto-Expiry & Retry Logic
Configurable link TTL with automated reminder dispatch, expiry notifications, and link refresh flows for incomplete payments
Reconciliation & Reporting
Automated settlement reconciliation between link initiations and payment completions with detailed audit trails and export capabilities
Security & Fraud Prevention
Link signing with HMAC, one-time token validation, device fingerprinting, and velocity checks to prevent replay and enumeration attacks
Where It Gets Used
Payment links solve the last-mile collection problem across industries where card terminals and in-person payment aren't an option.
Retail & E-commerce
Send payment requests to customers who abandon checkout or prefer paying via link over COD
Delivery & Logistics
Collect payment at delivery confirmation through driver apps or SMS before handing over the package
Telecollection
Contact centre agents generate and send payment links during live calls, converting telephonic orders to digital payments
B2B Invoicing
Replace manual bank transfers with trackable payment links attached to digital invoices for faster collections
How the Platform Works
Merchant Initiates Request
Merchant calls the API (or uses dashboard/app) specifying amount, customer contact, expiry, and reference.
Link Generated & Signed
System generates a short URL backed by a signed token. The token encodes amount, merchant, and TTL — tamper-proof.
Multi-Channel Dispatch
Link is dispatched via SMS gateway, WhatsApp Business API, or email — or all three simultaneously — within 2 seconds.
Customer Pays
Customer taps the link, lands on a branded payment page, and pays via card, UPI, or net banking.
Instant Notification
Merchant receives a webhook and push notification the moment payment is confirmed, with full transaction details.
Tech Stack
Building Pay by Link or SMSPay?
From dynamic link generation to multi-channel delivery via SMS, WhatsApp, and email — I architect remote payment collection systems with real-time tracking.
© 2026 Satyendra Singh. All rights reserved.