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.

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.

Why do I need a business account to activate links?

Collecting payments for goods and services is a commercial activity, and provider-side checks can be required before money moves. You can draft links before verification, but activation depends on business verification, permitted-use attestation, workspace eligibility, and settlement support.

Does Swaps hold my funds?

Swaps is designed as a non-custodial routing and payment-link layer. Swaps does not store private keys. Payment execution, verification, and settlement are handled through supported provider rails and destinations.

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?

Users can draft links, but live activation for commercial collection depends on verification, permitted-use checks, and provider eligibility. Individual payer support is limited and provider-specific.

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 — send one payment link, route it only where supported.

A Swaps payment link is an invoice-like payment request for supported crypto, stablecoin, and bank-rail workflows. You create the link with a client, line items, and an intended settlement destination. Activation is gated before money moves: business verification, permitted-use attestation, provider support, payer type, and destination eligibility can all affect whether a link can go live.

Who it's for

Freelancers, studios, agencies, and cross-border B2B sellers can use payment links to prepare payment requests, organize clients and line items, and route collection into supported wallet or bank destinations. Crypto-native businesses can use them for USDC settlement where the workspace, provider, asset, network, and destination support it.

How it works

Create a link — add your client, line items, and intended settlement destination, then pass activation checks before sharing the live link.
Your client sees available rails — they see exactly what they owe and choose from rails available for that invoice, payer type, market, and provider session.
You track settlement — funds move through the supported provider path to the reviewed destination, with live status for payment and settlement events.

Settle to a supported wallet or bank destination

You review the destination before activation. Settlement can route to a supported crypto wallet destination such as USDC, or to a supported bank destination, only where the workspace capability, provider rail, asset, network, and destination are enabled. Swaps does not store private keys.

Supported payment rails are checked per link

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.

Built for invoicing

Clients — keep the people and companies you bill in one place.
Products — save the services and items you sell once, then build invoices from line items.
Reminders — polite, scheduled nudges for unpaid links, on your terms.

Who can pay

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.

Activation is gated before money moves

Collecting payments for goods and services is a commercial activity. You can draft links first, but activation depends on business verification, permitted-use attestation, workspace eligibility, payer support, and settlement support.

Claim boundaries

Payment Links do not imply universal activation, universal rails, universal settlement, custody by Swaps, approval promises, or compliance guarantees. Availability depends on country, asset, provider, merchant state, payer type, KYB, workspace capability, and destination support.

Quick links

Swaps for Business — dedicated accounts and partnership review.
Fees — how costs work across the platform.
Payment methods — supported rails by region.
SEPA bank transfers — pay in EUR across the SEPA zone.
ACH transfers — pay in USD.
Country coverage — where Swaps operates.
Contact — talk to us about collecting payments.