PIK Payment Links let you request payments from customers without building a custom integration. Generate a link in seconds from the PIK Dashboard or via the API, share it with your customer, and receive funds directly into your PIK wallet once payment is made. Payment Links are the fastest way to start accepting payments on PIK. They are ideal for invoicing, peer-to-peer collection, e-commerce checkout, and any scenario where you need to request a specific amount from a specific customer.
How Payment Links work
When you create a Payment Link, PIK generates a unique URL tied to a payment request for a specific amount and currency. When the payer opens the link, they see the payment instructions — either a Solana wallet address for USDT or a BSB and account number for AUD — along with the exact amount and reference to use. PIK monitors for the incoming transfer. When funds matching the amount, currency, and reference are received, the payment is automatically marked as settled and the funds are credited to your PIK wallet.What you can configure
Amount type — Choose between a fixed amount (you specify the exact amount the payer must send) or an open amount (the payer enters the amount themselves, useful for donations or flexible invoicing). Currency — Select USDT or AUD. You can create separate links for each currency. Reference — Add a custom reference that will appear on the payment and in your transaction history, making reconciliation easier. Expiry — Set an expiry time for the payment link. After this time the link deactivates and no further payments will be accepted against it. Single use vs reusable — Single-use links expire after one successful payment. Reusable links remain active and can accept multiple payments, useful for recurring billing or shared checkout pages. Branding — Add your merchant name and logo to the payment page so customers see a professional, branded experience.Creating a Payment Link
Via the PIK Dashboard — Go to Payments > Payment Links > Create link. Select your currency, set the amount, add a reference and optional expiry, then click Generate. Copy the URL or download the QR code to share with your customer. Via the PIK API — Call POST /api/v1/payment-links with your API key, specifying amount, currency, reference, expiry, and whether the link is single-use or reusable. The response returns the payment link URL and QR code image URL.Payment Link statuses
- active — Link is live and accepting payments.
- paid — A successful payment has been received and settled (single-use links move to this status after first payment).
- expired — The link has passed its expiry time without a successful payment.
- cancelled — The link was manually cancelled by the merchant.