Payment Links Made Simple – Even Your Kids Can Do It!

The adoption of digitization in India has created a need for effortless and accessible means of digital payment to benefit businesses of all sizes in a cashless economy. Using digitization to transform business operations reduces or even eliminates processes that do not require human intervention. Also using digital payment reduces the efforts of standing in a queue to make a payment to the client.  Small businesses like home-based businesses that deal in cash and do not have any website or online store can manage payment methods with as much ease as their online counter partners. So the question arises how this can be done? The answer to this is to address all these traditional methods, the straightforward way to do this without investing in payment infrastructure is with Digital Payment Links.

What are the Payment Links?

Payment links are web links that are securely generated and by clicking on which customers can make an online payment. Payment links provide ease and flexibility of payment for sellers as well as customers. A seller can receive payment in three simple steps:

payment gateway integration

Create Link: Payment links can be created individually or uploaded in bulk via API or Dashboard. Details like amount, receipt number, and link expiry can be managed with flexible solutions.

Share Link: After creation, the payment link can be shared through SMS, Email, Facebook Messenger, Whatsapp, and more.

Get Paid: Digital Payment Guru’s payment gateway services provide the built-in checkout method with support for multiple payment methods Credit/Debit cards, Net Banking, UPI, and more, thus reducing the payment barrier and increasing business reach.

To know more about payment links reminder click here.

Benefits of Payment Links:

  • Less chance of fraud and robbery as no cash is held on premises and for every transaction customer receives a receipt and email, and all possible information on the transaction. Also, the payment goes directly into the bank account so there is a low risk of robbery.
  • Relief from cash handling fees from the bank and the trips to banks to pay it. The transaction can be done from the mobile phone thus reducing the efforts of standing in a queue and no physical activity is done in the transfer process thus eliminating handling fees.
  • More marketing opportunities by collecting customer data for future use.
  • Average spending tends to increase. As we have access to the entire amount in the account, spending increases as one can spend until the account goes nil unlike traditional cash, one can spend only the cash he/she is carrying.

Related Post: Key Benefits Of Payment Gateway Integration for Business

Drawbacks of payment link:

  • Potential customers that would like to pay with cash may be excluded. As some people in India still feel cash payment is safe than online payment.
  • Processing fees are likely to increase if the cash is withdrawn altogether. Payment providers charge service fees so if the amount is huge the charge will be more.
  • Privacy for the customer is less. Many times credentials can be leaked while typing as someone can peek into the phone.
  • Technical Problems can cause online payment methods to go down.


Digital Payment Guru provides a customized dashboard for managing links, checking payment status, and getting real-time data insights to manage the business better. Payment links are very well suitable for all businesses whether online or offline. Payment link effortlessly links into business ecosystems and supports the host of used cases like:

Small Business: For small and traditional businesses which do not have a website or an application payment link is the best way to start accepting payment links online.

Related Post: Technology Trends Impacting Small Business Payments

Alternate Payment use case: Payment links can be used in cases such as cash on delivery or partial payment.

Chatbot integration: The implementation of chatbots is increasing for better customer experience and to provide all the technical support to the customer. Thus chatbot implementation can resolve many issues that customers are having with online payment.

Social Media Business: Running a business on WhatsApp? An easy solution to initiate payment online is by using payment links. Payment links can be shared easily on all the social media platforms like Facebook, Instagram, and many more, using which customers can make a quick payment.

When it comes to the online payment ecosystem, payment gateway integration plays a pivotal role, and choosing the wrong gateway for accepting payment from the customer can lower the entire payment process. Thus payment gateway should be picked that suits your business.

Digital Payment Guru is a team of payment gateway experts having years of experience with several banking institutions. We target to bring all MSMEs online by implementing the best digital payment gateway integration system and providing world-class experiences that are easier, quick, secure & affordable, thus generating innovative opportunities & sustainable living. We assume every business design deserves to be on the Internet to flourish.

How To Integrate Payment Gateway in Mobile Applications?

Life has become simpler with the use of cashless payment methods like debit cards or credit cards, these tiny cards allow us to spend enormous amounts without any struggle and thus have become an addictive process. Being a convenient method, it has now moved to mobile apps and websites concurring the entire online business. Without a doubt, mobile phones are the leading edge of technology in this revolution. Customers find it handy to shop from mobile thus having a mobile app for your business can help increase revenue. If you want to have a mobile application involving payment operations and you know nothing about payment gateway then you are at the right place, continue reading till the end to find out what is a payment gateway. In this blog, we talk about what is a payment gateway and how it can be integrated into your mobile application.

What is a Payment gateway?

Well, payment gateway services are the only way in which you can accept payments through a website or mobile application. They act as a bridge between the transaction that the customer wants to make and the payment processor. The app cannot directly connect to payment processors for security reasons thus payment gateways are required.

How does Payment Gateway work?

Firstly internet connection is required to access the payment gateway service. While proceeding with the payment you need to choose the payment mode like Credit/Debit card and fill in the details.

Once you finish filling up the details the data is sent to the payment gateway system which then transfers the data to a bank associated with a card. Bank creates requests with payment systems like visa or master card depending on the card used. These payment systems check if the customer has the required amount on balance to pay for the purchase, if yes the bank directly connects with the merchant and the amount is transferred to the merchant’s account within several days

online payment gateway integration

What are the things to consider before Integrating Payment Gateway?

  1. Merchant account: A merchant account is a must for a seller as it temporarily holds the amount received from the sales in the app and then transfers it to the regular bank account. If a payment gateway is integrated into the application then the provider will first verify the transaction and send it to the merchant account. There are two types of merchant accounts.
  • Dedicated Merchant Account.
  • Aggregate Merchant Account.

A dedicated Merchant Account is custom-made for business transactions, it is suitable for individual business owners or merchants. But implementation of a dedicated merchant account requires an additional expenditure which causes difficulties for someone tight on budget.

A user can easily manage funds and expenses but the disadvantage is that it takes a longer time for the purchase process and does a deep inspection of the credit check.

Aggregated Merchant Account is where all the money from other businesses is stored altogether like a bank which is shared among several people. To connect with an aggregate merchant account you need to provide so information about your company and the type of product you intend to sell. The process is far less complicated compared to a dedicated merchant account. The disadvantage is that it gives less control over how long it takes to get your money.

  1. Ease of Payment Gateway Integration: The process of integrating the payment gateway has to be simple which is possible if the developer SDK is simple and takes minimum developer time for integration and the updates are easily handled by the merchant.

The SDK must be light to ensure it occupies minimum space in the user’s mobile.

  1. User-friendly UI: User Interface of the online payment gateway must complement the overall brand language. UI must be such that customers can make a transaction without any conflict. The bank pages should be mobile-friendly. There should be the least number of steps for completing a transaction.
  2. Payment Analytics: Analytics helps to figure out actual problems, this helps to optimize the payment experience in the app. There are several aspects of online payment such as payment failure, Double payment, refund, and more. Analytics helps to identify all of them and thus should be considered while integrating a payment gateway in the app.
  3. Customer Support: Customer Support helps in addressing issues related to payment integration and post-integration. Merchant overlooks for customer support, A payment gateway should provide an effective solution to all payment-related queries. For instance, the best payment integration service providers offer customer support for all payment-related queries and ensure that they are resolved in the shortest possible time.
  4. Payment Receipt: After every transaction, the customer must receive a confirmation mail regarding the transaction, this helps in building customer trust. The payment gateway has direct access to transaction status and thus status should be shared with the customer. Payment receipt helps in building brand engagement for the merchant.
  5. Features and Plugins: All the payment gateways have different features and plugins which differentiate them from each other. These features help in optimizing the payment experience to provide a better payment interface for customers. Card saving is one of the features where customers’ card details are saved for future purchases. Another feature is auto OPT reading wherein customers need not have to type in the OPT manually the payment gateway automatically reads the OTP from user’s mobile thus reducing the chance of manual error.

When it comes to choosing a payment gateway for your mobile app, consider all the factors from customer support, and analytics to features, and choose the one that is closest to your business needs.

Digital Payment Guru is a team of payment gateway experts having years of experience of years with several banking institutions. Our target is to bring all MSMEs online by implementing the best digital payment gateway integration system and providing world-class experiences that are easier, quick, secure & affordable, thus generating innovative opportunities & sustainable living. We assume every business design deserves to be on the Internet to flourish.




Digital Payment Gateway for Successful E-Commerce Business

When you pay a business using an electronic medium, it’s called an online digital payment gateway and the application that carries out this process is termed digital payment gateway integration.

The increasing use of Internet-based banking and shopping has seen the growth of multiple e-commerce payment systems and technology has evolved to enhance, improve and provide secure and safe e-payment transactions.

Paperless e-commerce digital payments have revolutionized payment processing by reducing paperwork, transaction costs, and personnel cost. Also, there are many options available in the market offering companies a cheap payment gateway. These digital payment systems are user-friendly and utilize less time than manual processing and assist businesses to extend their market reach.

The best Digital Payment Methods of e-commerce in use today are:

Credit Card

The most famous and common method of payment for e-commerce transactions is through credit cards. It is very easy to use and the customer has to simply enter their credit card number and expiry date mentioned, on a small plastic card with a unique number attached to an account, in the appropriate field on the merchant’s website. To increase the security system, improved security measures, such as the use of a card verification number (CVN), have been included in online credit card payments. The CVN method helps identify fraud or cheating by matching the CVN number with the credit card holder’s details. When a shopper purchases a product or service via credit card, the credit card issuer bank pays on behalf of the buyer and the shopper has a certain time period after which he can pay the credit card bill which usually has a monthly payment cycle.

Debit Card

Debit cards are the second-highest e-commerce payment method in India. Shoppers who want to pay online within their budgetary limits prefer to pay using their Debit cards. A debit card, just like a credit card, is a small plastic card with a unique number linked with the bank account number.

With the debit card, consumers can only pay for obtained goods with the money that is already there in their bank account as opposed to the credit card where the outlay that the buyer spends is charged to him and payments are done at the end of the billing time. This is the principal difference between debit and credit cards is that the amount gets deducted from the card’s bank account directly and there should be adequate balance in the bank account for the transaction to get completed; whereas, in the case of a credit card purchase, there is no such requirement.

Smart Card

It is a plastic card fixed with a microprocessor that has the consumer’s personal details saved in it and can be loaded with funds to perform online transactions and instant payment of bills. The funds that are loaded in the smart card decrease as per the usage by the shopper and should be reloaded from his bank account. The smart card is again similar to a credit card or a debit card in looks, but it has a tiny microprocessor chip installed in it. It has the capacity to save a customer’s work and personal details. It is best when traveling to foreign countries for leisure or business trips. They are accessed using a PIN that every customer is assigned. Smart cards are secure, as they store data in an encrypted form and are less expensive. Smart cards can only be Smart cards are secure, as they store information in an encrypted format and are less expensive/provides faster processing.

To know how to choose the right payment solution for E-commerce click here.