How to Receive Card Payments Without a Website? Payment via Link Guide
To receive card payments online, you don't necessarily need to build a comprehensive e-commerce site. Those who sell on social media, businesses offering remote services, consultants, or companies wanting to collect payments quickly from their customers can direct their customers to a secure payment page by creating a payment link.
Payment via Link reduces the need for technical integration while not requiring the customer to share their card details with the seller via messaging apps. The seller sends the link; the customer opens it, enters their card details on the payment page, and completes the transaction.
Short answer: With the Paynkolay Payment via Link service, a payment link can be created without a website or API integration. The link can be sent to the customer via channels like SMS, email, or WhatsApp. Options such as amount, installments, expiration date, 3D Secure preference, and single-use or reusable links can be set in the panel. Available options may vary depending on merchant authorizations and contract conditions.
What is Payment via Link?
Payment via Link is a method that allows receiving card payments through a link created by the seller for a specific product, service, or collection. When the customer clicks the link, they are directed to the payment institution's secure payment page. Card information is entered on this page; it is not transmitted to the seller via WhatsApp, e-mail, or phone message.
This method is especially useful for businesses that do not have their own payment page. However, a payment link alone does not replace the other steps of a sale. Product or service descriptions, pricing, delivery, invoicing, cancellation-return, and consumer information must be managed separately in accordance with the business's operational model.
Can Card Payments Be Received Without a Website?
Yes. Paynkolay's current product pages state that an e-commerce site or integration is not required for Payment via Link. The seller creates the link from the panel and sends it to their customer through digital channels. The customer accesses the payment page via the link.
The fact that a website is not required does not mean the sale is completely exempt from obligations regarding registration, taxes, invoicing, or consumer law. The technical payment method and the legal status of the commercial activity are separate issues.
Who is Payment via Link Suitable For?
1. Those selling products on Instagram, Facebook, or similar social media channels
2. Small businesses receiving orders via WhatsApp
3. Those offering consulting, training, maintenance, design, or professional services
4. Companies sending remote price quotes to their customers
5. Field sales teams and collection personnel
6. Businesses receiving payments for events, reservations, or organizations
7. Companies with a website but no payment integration yet
8. Those wanting to create a one-time or limited-time payment request
Every field of activity is subject to the payment institution's evaluation, risk, and regulatory rules. The availability of the Payment via Link option does not mean all sectors are automatically accepted.
How Does Payment via Link Work?
1. The seller logs into the Paynkolay panel and opens the Payment via Link section.
2. Determines the customer, amount, installments, security, and link usage settings.
3. The panel generates a unique payment link.
4. The link is sent to the customer via SMS, e-mail, WhatsApp, or another suitable digital channel.
5. The customer opens the link, checks the details on the payment page, and enters their card information on the secure screen.
6. The transaction goes through the selected security and authorization checks.
7. The seller tracks the result of the transaction from the Paynkolay panel.
How to Create a Payment Link in the Paynkolay Panel?
The current panel screen shared by the Paynkolay administrator shows the fields used when creating a link for a new customer. The options on the screen can be read as follows:
- • Select the customer type. The option to create a link for a new customer can be used for customers who are being sent a link for the first time. Registered customer options or different usage options in the panel may vary based on merchant authorization.
- • Enter the name, surname, or title information. This is a mandatory field on the screen. E-mail and mobile phone information can be used to send the link directly from the panel or to save the customer.
- • Determine the installment option. Applicable installment options depend on the card program, sector, contract, and merchant working conditions.
- • Configure the link amount. The panel has a selection area for the seller to determine the amount or for the customer to enter the amount if appropriate authorization is present. In a fixed-amount link, the transaction amount is entered by the seller.
- • Select the currency and payment page language. In the example shared by the administrator, TRY and Turkish are selected. Other available currencies and languages must be verified according to product authorizations and contract conditions.
- • Make the 3D Secure preference. An option for the customer to make a 3D transaction appears on the screen. According to Paynkolay FAQ, non-3D transactions require separate authorization and the risks may belong to the merchant.
- • Complete the transaction details. The transaction type, payment page detail selection, link expiration date, and description fields are determined. The description section should contain product or service information that the customer will understand.
- • Add a reference and image. A customer reference number can facilitate internal tracking and reconciliation. Adding a product or service image can help the customer recognize the payment request.
- • Select the delivery channel and usage type. Delivery can be made via SMS or e-mail. The link can be created as single-use or reusable depending on the product and authorizations.
- • Create the link and share it after checking. Before sending the link, make sure the customer name, amount, currency, installments, validity, and description information are correct.
Panel screen note: The effect of some options like "Payment Page Detail Selection" may vary based on user authorization or product configuration. Unverified technical results for this area are not claimed in the article.
Difference Between Fixed Amount and Variable Amount Links
In a fixed-amount link, the amount to be paid is determined in advance by the seller. It offers a more controlled experience for a specific product, reservation, service package, or invoice. The risk of the customer entering the wrong amount is reduced.
In a variable-amount link, the payment amount can be entered by the cardholder. It can be suitable for donations, dues, open accounts, or collections that vary from customer to customer. The availability and limits of this option should be checked according to merchant authorizations.
Single-Use and Reusable Links
A single-use link is created for a specific customer or transaction and may be preferred to prevent further payments after successful use. The "Single-Use Link" option is clearly visible in the panel screenshot provided by the admin.
Paynkolay's current product page also mentions reusable ready-links. This method can make it easier to send a link to multiple customers for the same product or service. Settings such as amount, stock, validity, and number of uses should be checked prior to sharing.
Through Which Channels Can a Payment Link Be Sent?
1. WhatsApp or another messaging application
2. SMS
3. E-mail
4. Social media direct messages
5. Digital quote or invoice communication
6. Other digital link areas deemed appropriate by the business
Regardless of the channel through which the link is sent, the customer must be able to understand the seller's identity, the product or service, the total price, and the basic sales conditions prior to payment. The seller should not ask the customer for their card number, expiration date, or CVV code via message.
Differences Between Payment via Link, Virtual POS, and Other Methods
| Criteria | Payment via Link | Virtual POS Integration | Physical POS | Wire Transfer/EFT |
| Website | Not required | Usually connected to site or app flow | Not required | Not required |
| Technical integration | Usable from panel | Requires configuration like API or ready module | Requires device setup | May not require technical integration |
| Core usage | Remote and link-based collection | Automatic payment flow in e-commerce | Face-to-face card payment | Money transfer to bank account |
| Customer experience | Proceeds to payment page from link | Pays on site or app | Uses card on device | Transfers with IBAN and description |
| Tracking | Link and transaction tracking from panel | Tracking via panel and business system | POS and merchant reports | Control via account statements |
The most suitable method varies depending on the sales channel, number of transactions, automation need, and customer experience. While Virtual POS integration offers a more automatic flow for regular e-commerce volume, Payment via Link can be more practical for quick or link-based collections.
Advantages of Payment via Link
1. Ability to collect via card without setting up a website or special payment page
2. Ability to create links via the panel without waiting for API integration
3. Ability to share via channels like SMS, e-mail, WhatsApp, and social media
4. Adaptability to fixed or variable amount collection scenarios
5. Single-use or reusable link options
6. Configurability of installments, expiration date, description, and reference information
7. Allowing the customer to pay without sending card details directly to the seller
8. Ability to track transactions via the panel
What Are the Limits of Payment via Link?
1. Application and product usage do not mean automatic approval.
2. Commission, installments, and payment terms may vary according to the business's contract.
3. Sharing a link does not independently manage order, stock, invoice, delivery, and return processes.
4. For very high transaction volume or full automation needs, Virtual POS integration may be more suitable.
5. To protect the customer from fake links, the source and domain name of the link must be clearly checked.
6. Not every sector, product, or service may be suitable for evaluation.
Is Payment via Link Secure?
Security is not complete just by creating the link. Just as important as the payment institution's infrastructure, 3D Secure, and fraud controls are the seller sending the link to the right person and the customer checking the actual payment page.
1. Clearly inform the customer of the seller's title, payment subject, and amount.
2. Check the amount, currency, installments, and expiration date before sending the link.
3. When possible, prefer a single-use and reasonably timed link specific to the transaction.
4. Do not ask the customer for card details or CVV via WhatsApp, SMS, or e-mail.
5. Inform the customer to check the domain name of the link and the information on the payment page.
6. Verify the transaction result not only from the message screen but also from the Paynkolay panel.
7. Keep invoice, contract, delivery, and transaction records for potential dispute processes.
Paynkolay provides information on its public pages regarding PCI DSS Level 1 compliance, 3D Secure, and fraud controls. According to the Paynkolay FAQ, non-3D transactions require separate authorization and may pose more risk.
Commission and Fund Transfer Time
The Payment via Link commission, installment cost, blockage period, and the date the collection will be transferred to the account may vary depending on the business's application evaluation and contract terms. Therefore, a fixed rate or a single payment day applicable to everyone should not be promised in a general blog post.
Fast payment expressions on Paynkolay's product page may describe the customer completing the card payment process. The money transfer to the merchant, according to the Paynkolay FAQ, depends on the payment term and blockage period in the agreement.
Can Payment via Link Be Received Without a Tax Certificate or Company?
On Paynkolay's Virtual POS Prices page, the N Kolay Link individual application option is announced for people without a tax plate. The acceptance of the application, applicable fields of activity, and current conditions regarding the payment account are evaluated separately during the application. The individual application option does not mean that the sale is automatically tax-exempt or that setting up a company is never required.
The Revenue Administration publishes special conditions, an Artisan Tax Exemption Certificate, and obligations like a collection account for the artisan exemption in the online sale of certain products produced at home, for example. The continuity of the activity, product or service type, income level, and sales model can change the outcome. Therefore, current Paynkolay conditions and the opinion of a financial advisor or tax consultant should be evaluated together before applying.
Important distinction: The statement "Individual application can be made without a tax plate" describes a product application option. It should not be interpreted as "There is no tax liability."
Consumer Information in Social Media Sales
The Ministry of Trade states that sales made via social media and short messages can be evaluated within the scope of distance contracts when the conditions are met. Before the customer pays, they must be clearly informed about the basic characteristics of the product or service, the name or title and contact information of the seller, the total price including taxes, any additional costs, the right of withdrawal, and legal remedies.
A payment link does not replace this information. The business must separately establish preliminary information, distance sales, delivery, cancellation-return, and invoicing processes appropriate for its operational model. Legal texts should be prepared specifically for the business and, if necessary, checked by a legal expert.
Frequently Asked Questions
Is a website required to receive payments via link?
No. Paynkolay Payment via Link supports creating a payment link without a website or API integration. Application and usage conditions are evaluated separately.
Can the payment link be sent via WhatsApp?
Yes. The generated link can be transmitted to the customer via WhatsApp. The panel screen also includes direct SMS and e-mail delivery options.
Can the customer enter the amount themselves?
Paynkolay's panel guide and product information show that the amount can be determined by the seller or, in the appropriate configuration, by the cardholder. Available options must be checked according to merchant authorization.
Can the payment link be single-use?
Yes. The Single-Use Link option is seen on the current panel screen. Paynkolay also mentions a reusable ready-link option.
Can installment payments be received via link?
According to the Paynkolay product page, installment options can be determined. The number of installments available may vary based on the card program, sector, regulations, and contract terms.
Is it mandatory to use 3D Secure?
There is a 3D Secure selection in the panel. According to the Paynkolay FAQ, non-3D transactions require separate authorization and the risks may belong to the merchant. The security preference should be evaluated together with the business's authorizations and risk policy.
Can an application be made without a tax certificate?
An individual application option for N Kolay Link is announced on Paynkolay's public product page. The acceptance of the application, field of activity, and payment account conditions are evaluated separately; this option is not a guarantee of application approval or tax exemption.
When will the collection be transferred to my account?
The transfer time depends on the payment term and blockage period in the business's agreement. Current conditions must be checked from the proposal and contract.
Are Payment via Link and Virtual POS the same thing?
Both help receive online card payments. Payment via Link can be used by creating a link from the panel; Virtual POS integration is usually connected to the payment flow on the website or application.
Start Receiving Payments with Paynkolay Payment via Link
If you want to send payment links to your customers without setting up a website or technical integration, you can review the Paynkolay Payment via Link option. Before applying, verify your field of activity, individual or corporate application status, and special commercial conditions.
Review Paynkolay Payment via Link
Sources and Update Information
This content was prepared on July 30, 2026, based on Paynkolay's public product and FAQ pages, the current panel screenshot provided by the administrator, the CBRT list, and the guides of the Ministry of Trade and the Revenue Administration. Since product authorizations, commercial conditions, and legislation may change, current information must be rechecked prior to publication.