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Payment Links: Get Paid Without a Website

Not every sale needs a full website or checkout build. With ONE Payments, you can create a payment link in seconds and share it anywhere your customers already are — a chat, an email, a social post or an invoice. They tap the link, choose how to pay, and you get paid. It is one of the simplest ways for Singapore businesses to start accepting digital payments, with no setup fee and no monthly fee. Payment links work for one-off sales, recurring invoices, deposits and more, and every payment lands in the same dashboard as your other ONE Payments activity. See our pricing or talk to sales to get started today.

Payment links — a chat bubble with a shareable link chip and a coin and card flowing out

No website needed

If you sell over chat, social media or email, a payment link is the fastest way to get paid. Create the link in your ONE Payments dashboard, set the amount, and share it however you like. Your customer opens the link on their phone or computer, picks a payment method, and completes the payment in a few steps — no app to download and no account to create. This makes payment links ideal for small businesses, freelancers and service providers who want to take payments today without building or maintaining a website. When you are ready for more, the same account scales into hosted checkout and API payments, so you never have to switch providers as your needs grow.

Accept cards, wallets and PayNow

A payment link is not limited to one way of paying. Your customers can pay by Visa, Mastercard, American Express, JCB or UnionPay, use Apple Pay or Google Pay for a fast mobile checkout, or choose PayNow to pay straight from their banking app. Giving people the method they already trust helps you close more sales and reduces the back-and-forth of chasing payment. Because everything runs through ONE Payments, each paid link appears alongside your other transactions, so your records stay tidy and reconciliation is simple. You get the flexibility of many payment methods with the simplicity of a single link to share, which is a powerful combination for businesses that sell on the move.

Great for invoices, social selling and deposits

Payment links fit the way modern businesses actually sell. Send a link on an invoice so clients can pay instantly instead of arranging a manual transfer. Drop a link into a social media conversation to turn interest into a completed sale on the spot. Ask for a deposit before you start a job, or collect full payment on delivery. Because each link can carry its own amount and description, you can use them across very different situations without extra setup. If you later want a full storefront experience, explore online payments with hosted checkout and API options — your ONE Payments account supports both as you grow, so payment links can be your first step rather than your only one.

Simple pricing, no monthly fee

Payment links use the same clear pricing as the rest of ONE Payments. Domestic card payments cost 2.7% plus USD 0.50 per transaction, with no setup fee and no monthly fee, so you are never paying just to keep the option available. International cards add 0.7% on top. You only pay when a link is actually paid, which keeps costs in line with the sales you make — helpful for seasonal or occasional selling where volume varies month to month. Higher-volume businesses can ask about custom rates. Review the details on our pricing page, or contact sales if you want help estimating your costs before you start.

Frequently Asked Questions

How do payment links work?
You create a link in the ONE Payments dashboard, set the amount and a short description, then share it by chat, email, social media or on an invoice. Your customer opens the link and pays by card, wallet or PayNow.
Are there any monthly fees for payment links?
No. There is no setup fee and no monthly fee. You pay per successful transaction — 2.7% plus USD 0.50 for domestic cards — so the option costs nothing to keep available.
Can I reuse the same payment link?
Yes. You can create a reusable link for a fixed price or generate a new link for each order, depending on how you prefer to collect payments from your customers.
Do payment links work without a website?
Absolutely. Payment links are designed for businesses that do not have a checkout or website. You can take payments using only a shareable link, then add more channels later if you need them.

Start collecting payments today

Talk to sales