Payment Links

Get paid with a link, no website required

Create a link, send it wherever your customer already talks to you, and watch the payment land. Fixed price, open amount, subscription or a full basket, without writing a line of code or waiting on a developer.

  • Ready in under a minute
  • Card, transfer or USSD
  • Works in any channel

Free to create · Unlimited links · Charged only on successful payment

Business owner sharing a payment link with a customer from a phone

Collected through links

₦3.18m

+22%last 30 days
Why it matters

The sale happens in the conversation, not on a website

A great deal of trade is agreed in a chat thread and then stalls at the payment, because the next step is an account number, a screenshot and a manual check. A link turns that moment into a finished, recorded sale.

Live in the time it takes to type a price

Name the thing, set the amount, copy the link. There is no page to design, no integration to book and no developer to wait for, which matters when the sale is happening in a chat right now.

Wherever your customers already are

The link works in a chat thread, a social caption, an email signature, a printed QR code or a text message. You go where the conversation is instead of asking people to come to a site.

Collects more than the money

Ask for the delivery address, a phone number, a size or a preferred date on the same screen as the payment, so the order arrives complete rather than in three follow-up messages.

How it works

Four steps, and the fourth one is automatic

01

Name it and price it

One product, a service, a deposit or an open amount. Add a photo and a short description if the link is doing the selling.

02

Share it

Copy the link into a chat, put it in a caption, print the QR code for the counter, or send it by email. The same link works everywhere.

03

They pay their way

Card, transfer or USSD on a checkout page that carries your name and logo, so the customer knows exactly who they are paying.

04

It lands on the right record

The payment posts against the customer and the product, stock moves if the item is tracked, and you are notified straight away.

Social selling

Your shop is already open. It is just called a chat.

A serious share of trade happens in direct messages, and it usually ends with an account number pasted into the thread, a screenshot of a receipt, and someone checking manually. A link closes the same sale without any of that.

  • No account numbers pasted into a chat thread
  • No screenshots to verify by eye
  • The customer is recorded, not just the payment
See the storefront

Payment link

Live

pay.niimbu.com/adaokonkwo/ankara-set

Ankara two-piece set

₦42,500

Card

Transfer

USSD

Pay ₦42,500

Shared 3 hours ago

14 payments · ₦595,000

What links tell you

A link is also a record of what is selling

Because each link belongs to a product or a campaign, the payment carries that context with it. You can see which item moved, which channel it moved through, and which customers came back, without tagging anything by hand.

  • Performance per link, per product and per channel
  • Repeat customers recognised across links
  • One customer history whether they paid by link or at the counter

Link performance

Last 30 days

Collected through links

₦3,184,600

Sent in chat

62%

Social caption

24%

Email and SMS

14%

Every payment lands against the customer who opened the link

The difference

Same sale, without the manual part

The usual way

  • Account number pasted into a chat, then repeated for the next customer
  • Screenshots of receipts checked by eye
  • Delivery details collected over three more messages
  • No record of which post or product actually sold
  • Repeat customers recognised only by memory

With Niimbu

  • One link that works in every channel you sell through
  • Payment confirmed automatically, no screenshot needed
  • Address and options captured on the payment screen
  • Sales attributed to the link, the product and the channel
  • A customer record that builds itself
Everything included

Every kind of link you are likely to need

Fixed price links

One product, one amount, the most common link and the quickest to make.

Open amount links

The customer enters the figure. Useful for deposits, donations and part payments.

Subscription links

Charge weekly, monthly or on your own cycle, with the customer able to stop at any time.

Multi-item links

Several products on one page with quantities, for when a single item is not the whole order.

Custom fields

Ask for delivery address, size, colour or a date alongside the payment.

Quantity limits and expiry

Cap how many can be sold, or close the link after a launch or an event date.

QR codes

Every link has one, ready to print for a counter, a flyer or a stand.

Branded checkout

Your name, logo and colours on the payment page, so it does not look like a stranger's.

Refunds from the record

Refund in full or in part against the original payment, with the reason recorded.

Customer completing a payment from a phone
The idea behind it

The sale is agreed in the conversation. It should be finished there too.

Sending an account number and waiting for a screenshot turns a closed sale back into an open one. A link finishes it, confirms it and records it in the same moment.

Pricing

Links are free. You pay on a successful payment.

Create as many as you like, for as many products and campaigns as you run. There is no charge for a link that nobody uses, and no per-user fee when your sales team grows.

  • Unlimited links and QR codes
  • No charge until a payment succeeds
  • Volume rates as collection grows
See pricing
Questions

Frequently asked questions

Do I need a website to use payment links?

No. That is the point of them. The link opens a hosted checkout page carrying your business name and logo, so a business that sells entirely through chat and social can take payment properly without building or paying for a site.

How long does it take to create a link?

Under a minute for a simple one. Name it, set the amount, and copy the link. Adding a photo, a description or custom fields takes a little longer but is optional, and once a link exists you can reuse it indefinitely.

How can customers pay through a link?

By card, by transfer or by USSD, chosen on the checkout page. Giving all three matters because customer preference varies a great deal, and a checkout that only offers cards will lose the transfer-first customer.

Can I use one link for a recurring charge?

Yes. A subscription link charges on the cycle you set, weekly, monthly or custom. The customer can cancel from their own receipt, and you can see active subscribers and expected income from the link itself.

Can I collect a delivery address with the payment?

Yes. Custom fields let you ask for an address, a phone number, a size, a colour or a preferred date on the same screen as the payment, so the order arrives complete instead of needing three follow-up messages.

Can I stop a link after a certain number of sales?

Yes. Set a quantity cap or an expiry date and the link closes itself. This is what people use for limited runs, event tickets and pre-orders, where selling past the limit creates a problem rather than revenue.

Does a link payment show up against the customer?

Yes. If the payer matches an existing customer they are recognised, and if not a record is created. Either way the payment sits in the same customer history as an invoice or a counter sale, so you are not maintaining a separate list for link sales.

What does a payment link cost?

Creating links is free and there is no limit on how many you have. You are charged per successful payment at the standard collection rate, which is on the pricing page.

Keep exploring

The rest of Get Paid

Collection works best when the channels share one set of records. Each of these feeds the same customer, invoice and account history.

See the full picture

The simpler way to scale your business!

Start free and see it working today, or talk to us about pricing for teams and higher volumes.