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 — receba do jeito que seu cliente quer pagar. Receba do jeito que você quiser.

Um payment link da Swaps é uma fatura completa atrás de uma URL simples. Você o cria com um cliente, itens da fatura e um destino de recebimento; seu cliente abre o link — sem conta na Swaps — e paga pelo trilho bancário que preferir: ACH, transferência, SEPA, Faster Payments, Pix ou SPEI. Você recebe do jeito que preferir: em uma wallet de cripto (por exemplo USDC) ou na sua própria conta bancária.

Como funciona

Crie um link — adicione seu cliente, os itens da fatura e onde você quer que o dinheiro chegue, depois ative e compartilhe.
Seu cliente escolhe o trilho bancário — ele vê exatamente o que deve e paga do próprio banco por ACH, transferência, SEPA, Faster Payments, Pix ou SPEI.
Você recebe do seu jeito — os fundos chegam ao destino que você escolheu: uma wallet de cripto ou sua conta bancária, com status ao vivo durante todo o caminho.

Trilhos de pagamento aceitos

ACH e transferência para USD, SEPA para EUR, Faster Payments para GBP, Pix para BRL e SPEI para MXN. Seu cliente vê apenas os trilhos que correspondem à moeda da fatura, junto com os prazos de processamento previstos.

Feito para faturamento

Clientes — mantenha em um só lugar as pessoas e empresas que você fatura.
Produtos — salve uma vez os serviços e itens que você vende e monte faturas a partir dos itens.
Lembretes — avisos educados e agendados para links não pagos, nas suas condições.

Verificação, uma única vez — empresa ou pessoa física

Criar rascunhos de links está aberto a todos; a ativação é a única etapa com verificação. Uma empresa verificada ou uma pessoa física verificada pode ativar links, e a verificação é única. Contas de pessoa física têm limites menores: cada link tem teto de 4.000 USD, Pix e Faster Payments não são oferecidos, e os métodos bancários são adicionados assim que os pagamentos bancários forem habilitados na conta.