> ## Documentation Index
> Fetch the complete documentation index at: https://docs.pik.global/llms.txt
> Use this file to discover all available pages before exploring further.

# Payment Links Overview

> Supported payment methods, info flow, fund flow, and full configuration options for PIK Payment Links.

A PIK Payment Link is a URL you share with your customer. When they open it, they see a payment page showing exactly how much to send and where to send it. Once payment is received, the money goes directly into your PIK wallet. No code required — create one in the PIK Dashboard in under a minute.

### Supported Payment Methods

| Method          | Currency | How Payer Sends                                | Settlement     | Supported via Payment Link? |
| :-------------- | :------- | :--------------------------------------------- | :------------- | :-------------------------- |
| Crypto on-chain | USDT     | Send to PIK-assigned wallet address            | Minutes        | Yes                         |
| Bank transfer   | AUD      | Send to Virtual Account Number (BSB + account) | 1 business day | Yes                         |
| Crypto on-chain | USDC     | Send to PIK-assigned wallet address            | Minutes        | No — direct API only        |
| Card payment    | Any      | N/A                                            | N/A            | No — not supported on PIK   |
| CNY             | CNY      | N/A                                            | N/A            | No — not supported on PIK   |
| USD (fiat)      | USD      | N/A                                            | N/A            | No — use USDT as equivalent |

Payment Links support USDT and AUD only. USDC is available via direct API payment but not via Payment Link. Card payments are not supported on any PIK product. CNY is not supported.

> **Stablecoin network:** When a Payment Link is created in USDT, PIK displays a wallet address to the payer. Always confirm the supported network with PIK before sharing links with customers. Funds sent on an unsupported network cannot be recovered. Contact [hi@pik.global](mailto:hi@pik.global).

### What You Can Configure

| Feature                | Detail                                                              |
| :--------------------- | :------------------------------------------------------------------ |
| Currency               | USDT or AUD                                                         |
| Amount type            | Fixed (you set the amount) or Open (customer enters amount)         |
| Single-use or reusable | Single-use: deactivates after first payment. Reusable: stays active |
| Expiry                 | Optional datetime after which link deactivates                      |
| Branding               | Add your business name and logo                                     |
| Post-payment redirect  | Send payer to your confirmation page                                |
| Webhook notification   | Receive payment.settled event when funds arrive                     |
| QR code                | Auto-generated with every payment link                              |

### Info Flow — How Information Moves

```mermaid theme={null}
graph TD
    A["PIK System<br/>Dashboard or API"] -->|Merchant creates<br/>payment link| B["Returns URL + QR"]
    B -->|Merchant shares<br/>link with payer| C["Payer opens link"]
    C -->|Payment page displays| D["Amount, Currency,<br/>Wallet/Account details"]
    D -->|Payer sends funds| E{Payment method?}
    E -->|USDT| F["On-chain transfer to<br/>PIK wallet address"]
    E -->|AUD| G["Bank transfer to<br/>Virtual Account Number"]
    F --> H["PIK matches transfer<br/>to payment link"]
    G --> H
    H -->|Webhook fired| I["payment.settled event<br/>to merchant"]
    I --> J["Payer redirected<br/>to confirmation page"]
    H --> K["Funds credited to<br/>PIK wallet balance"]
```

### Fund Flow — Where Money Actually Moves

**USDT Payment Link:**

```mermaid theme={null}
graph TD
    A["Payer's Crypto Wallet"] -->|On-chain transfer| B["PIK-assigned Wallet Address"]
    B -->|Auto-credited| C["PIK USDT Wallet Balance"]
    C --> D{Next Action?}
    D -->|Hold| E["USDT Wallet"]
    D -->|Convert| F["FX Conversion<br/>USDT → AUD/USD"]
    D -->|Payout| G["External Destination<br/>Bank or Crypto"]
    F --> H["Updated Balance"]
    G --> H
```

**AUD Payment Link:**

```mermaid theme={null}
graph TD
    A["Payer's Australian Bank Account"] -->|Bank transfer<br/>BSB + account number| B["Virtual Account Number"]
    B -->|Auto-credited on settlement| C["PIK AUD Wallet Balance"]
    C --> D{Next Action?}
    D -->|Hold| E["AUD Wallet"]
    D -->|Convert| F["FX Conversion<br/>AUD → USD/USDT/USDC/HKD/SGD"]
    D -->|Payout| G["External Destination<br/>Bank or Crypto"]
    F --> H["Updated Balance"]
    G --> H
```

### Payment Link Status Reference

| Status    | Meaning                                 |
| :-------- | :-------------------------------------- |
| active    | Link is live and accepting payments     |
| paid      | Successful payment received and settled |
| expired   | Link has passed its expiry time         |
| cancelled | Link was manually cancelled             |