How to pay a payment link (for payers)
Category: Payment Links
Answer
Someone sent you a Swaps payment link (swaps.app/pay/...). Here is how to pay it. You need no Swaps account and no identity verification — just your own bank. 1. Open the link and check the request You will see who is requesting the payment, what it is for, and the exact amount and currency. 2. Tell us who is paying Select whether you are paying as a registered business or as an individual.
This determines which payment methods are available to you — businesses can use every rail with no limit, individuals have restrictions. See payer limits: business vs individual. 3. Pick your payment method Choose the rail that suits you — for example ACH or wire for USD, SEPA for EUR, Faster Payments for GBP, PIX for BRL, SPEI for MXN. The page then shows the exact bank details to pay to. 4.
Send the transfer — and always include the payment reference Copy the bank details into your banking app and send the transfer from your own account. The payment reference (it starts with BRG) is the most important field on the screen. Incoming payments are matched by this reference, not by your name. A payment sent without it can be significantly delayed — or returned to your account. Paste it exactly as shown into the reference / memo / description field of your transfer. 5.
Done The page updates automatically once the funds are detected, and you will see a confirmation. You can close the page and come back later — the link remembers its status. Typical processing times - Faster Payments (GBP) and PIX (BRL): usually minutes - FedNow (USD) and SPEI (MXN): usually the same day - SEPA (EUR): typically the same or next business day - ACH (USD): typically 1-3 business days (Same Day ACH is faster) - Wire (USD): typically the same business day if sent before your bank's cutoff Exact timing
About this answer
Swaps is a comparison and routing product for crypto on/off-ramp providers. Every quote shown is live, every receive amount is the actual amount your wallet (or bank) will get, and every corridor is filtered for whether it can actually complete in your specific country with your specific payment method.
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