COVID-19 has totally transformed life as we know it, affecting everything from our personal relationships to everyday business operations. Consumer behaviour and how people are now purchasing goods and services is no exception.

Shopping is now all about being contact free – from browsing, to payments, delivery and collection. And in the world of payments, key players are doing everything they can to support this new ideal. For example, Visa and Mastercard have increased their contactless payment threshold in Europe.


Suddenly, the entire payments industry – from the card schemes and merchants, to large banks – is sharing the same goal: to cut down human interaction and the need to touch objects and devices outside the home.


These changes are unlikely to be temporary; in fact, they’re likely to outlive COVID-19. Many businesses that have experienced the benefits of non-contact operations may very well decide to make these changes permanent, continuing to offer online payments as an alternative to their card-present operations.

For example, one of our merchants previously only accepted in-store payments across its multiple locations. But when all of their stores had to close and customers still wanted access to services, another approach was required.

We turned this merchant on to our ‘Pay By Link’ simple payment link option, which would allow for the collection of remote payments without the security concerns related to collecting payment over the phone.
Now, when operations go back to normal, the merchant plans to continue offering this payment method as an alternative option and fallback, in case social restrictions escalate once again.

pay with phone link

So, what is Pay By Link?

And more importantly… how can this service work as an easy way to collect payments online, whether or not a business wants to continue offering it once operations return to normal?

With Pay By Link, you can provide customers with the comfort and security of the well-known eCommerce experience in the safety of their homes, all without setting up an eCommerce store or requiring huge integrations, and with the added benefit of secure payment collection.

Send a payment link. Get paid.

It’s really that simple.

Our Pay By Link service allows a business to send customers a personalised, dedicated payment link through which they can pay.

The great thing about paying this way is that the link will lead the customer to a familiar eCommerce payment experience that they already know and trust, and one that’s customised for an individual business and created for the specific purchase.

There are no limits on the number of payment pages, transactions or volume of sales either, so businesses of any size can use this service.

How it all works


Once a customer has placed their order, you can generate a payment link in a straightforward, one-click process. All you have to do is log in to Credorax Insights and create a link using our simple and easy-to-use interface. We also have a template that enables you to create multiple links in one go. Since you’ll be using our customer web portal, you don’t have to go through any complex setup or development.

2.   SendMobile phone payment page

Next, choose how you’d like to send the link – either directly via text or email, or embedded into any other customer-facing communication you use. No matter how the link is delivered, the customer will be led to your business’s bespoke, dedicated page.

3.   Pay

Once the customer receives the link, they can complete their payment using their preferred payment method, just like in any other eCommerce transaction.

4.   Confirm

Once the payment has been completed, the customer receives a confirmation that it has gone through. You will then be notified that the payment has been completed, and can proceed with processing the order.

In short, Pay By Link is designed to increase trust between you and your customers, optimise your performance, and ease payment friction.


So, let’s link up

The effects of COVID-19 are likely to impact us for months or even years to come, but the option to pay by link will continue to help businesses adapt to the new demand for contactless shopping, keeping them up and running for the long-term.

If you’d like to offer our Pay By Link option to your customers, or even if you’d just like a bit more guidance on how Pay By Link can work for your business, get in touch with our team at

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