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 — a crypto address for USDT or USDC, or a BSB and account number for AUD — along with the exact amount and reference to use. PIK monitors for the incoming transfer. When matching funds are received, the payment is automatically settled and funds are credited to your PIK wallet.What you can configure
Amount type — Fixed (you specify the exact amount) or open (payer enters the amount, useful for donations or flexible invoicing). Currency — USDT, USDC, or AUD. Reference — A custom identifier that appears in your transaction history for reconciliation. Expiry — A datetime after which the link deactivates. If omitted, the link does not expire. Single use vs reusable — Single-use links expire after one successful payment. Reusable links remain active for multiple payments. Branding — Add your merchant name and logo for a professional customer-facing experience. Redirect URL — Send the payer to your website or confirmation page after a successful payment.Creating a Payment Link
Via the PIK Dashboard — Go to Payments > Payment Links > Create link. Select currency, set amount, add a reference and optional expiry, then click Generate. Via the PIK API — Call POST /api/v1/payment-links with amount, currency, reference, expiry, and single_use settings. The response returns the payment 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.
- expired — The link has passed its expiry time.
- cancelled — The link was manually cancelled.