What are Swaps Payment Links?

A payment link is an invoice-like payment request behind a simple URL. You create it with a client, line items, and an intended settlement destination. Your client opens the link, sees who is requesting payment and exactly how much, then pays through a rail that is available for that invoice, payer type, and provider session.

Who can pay a payment link?

The addressed payer can open the link without a Swaps account. Available payer types, rails, limits, and verification requirements depend on provider policy, invoice currency, payer location, and whether the payer is a business or an individual.

Are there limits for payers?

Yes. Limits are provider and rail specific. Business payer support, individual payer support, amount caps, excluded states, and allowed currencies are checked before the payer chooses a rail. The payment page should only show options that are available for that link.

How do I receive the money?

You choose an intended settlement destination when creating the link. Depending on enabled workspace capabilities and provider support, that can be a supported crypto wallet destination such as USDC, or a supported bank destination. The activated link should preserve the reviewed destination snapshot.

There is no subscription or setup cost for drafting links. Provider costs, network costs, FX or spread, and any Swaps service fee must be visible before money moves. Swaps may earn provider-side commission or route-specific service revenue on completed payments.

Do I need a business account to activate links?

No. A verified business or a verified individual can activate links. You can draft links before verification; activation also depends on permitted-use checks, workspace and provider eligibility, and settlement support.

Does Swaps hold my funds?

It depends on the route. On a Bridge route, Bridge and its partners receive, convert and deliver the funds under Bridge's terms. On the Tempo crypto route, the payer pays a contract bound to your wallet: you receive the invoice amount and the Swaps fee goes to a Swaps fee wallet. An overpayment can reach that wallet too; Swaps accepts requests to return it. Swaps does not hold your wallet signing key.

Which payment rails are supported?

Rail availability is provider and market dependent. Examples can include ACH or wire for USD, SEPA for EUR, Faster Payments for GBP, PIX for BRL, and SPEI for MXN where those rails are enabled. The payer should only see rails that match the live link.

Can I get paid in USDC?

USDC settlement can be available where the workspace, provider, asset, network, and destination support it. Your client can still pay through an available bank rail, while the merchant settlement path is checked before activation.

Do my clients need a crypto wallet?

Not for bank-rail payment links where a supported provider rail is available. The payer experience is a payment page and payment instructions. Crypto can remain on the merchant settlement side when that destination is enabled.

Which currencies and countries can a client pay from?

Available currencies, countries, and rails are determined by provider support, invoice currency, payer type, merchant state, and destination eligibility. Public examples should be treated as supported-where-enabled, not universal coverage.

How fast does the money arrive?

Timing depends on the selected rail, provider, bank, and settlement destination. Expected processing time should be shown before the payer sends funds, and the merchant dashboard tracks each link through available status events.

Can individuals create payment links, or only businesses?

Both. A verified individual can activate links too, with lower limits than a business: each link is capped at USD 4,000, PIX and Faster Payments are not offered, and bank methods are added once bank payments are enabled for the account.

What can I invoice for?

Payment links are for collecting payment for your own goods and services. Certain deposit types and business categories are not permitted by provider policy. The permitted-deposit-types guide in the Help Center has the current details, and you confirm this with a short attestation when you activate a link.

Payment Links — cobra como tu cliente quiere pagar. Recibe como tú prefieras.

Un payment link de Swaps es una factura completa detrás de una URL sencilla. Lo crea con un cliente, líneas de detalle y un destino de cobro; su cliente abre el enlace — sin cuenta de Swaps — y paga con el riel bancario que le convenga: ACH, transferencia, SEPA, Faster Payments, PIX o SPEI. Usted recibe como prefiera: en una wallet de cripto (por ejemplo USDC) o en su propia cuenta bancaria.

Cómo funciona

Cree un enlace — añada su cliente, las líneas de detalle y dónde quiere que llegue el dinero, luego actívelo y compártalo.
Su cliente elige su riel bancario — ve exactamente lo que debe y paga desde su propio banco por ACH, transferencia, SEPA, Faster Payments, PIX o SPEI.
Usted recibe como prefiera — los fondos llegan al destino que eligió: una wallet de cripto o su cuenta bancaria, con estado en vivo durante todo el proceso.

Rieles de pago admitidos

ACH y transferencia para USD, SEPA para EUR, Faster Payments para GBP, PIX para BRL y SPEI para MXN. Su cliente solo ve los rieles que coinciden con la moneda de la factura, junto con los tiempos de procesamiento previstos.

Creado para la facturación

Clientes — mantenga en un solo lugar a las personas y empresas a las que factura.
Productos — guarde una sola vez los servicios y artículos que vende, y luego cree facturas a partir de líneas de detalle.
Recordatorios — avisos corteses y programados para enlaces sin pagar, según sus condiciones.

Verificación, una sola vez — empresa o particular

Redactar enlaces está abierto a todos; la activación es el único paso restringido. Una empresa verificada o un particular verificado puede activar enlaces, y la verificación es única. Las cuentas de particulares tienen límites más bajos: cada enlace tiene un límite de 4.000 USD, no se ofrecen PIX ni Faster Payments, y los métodos bancarios se añaden una vez que se habiliten los pagos bancarios en la cuenta.