How to Create Google Pay Payment Link

Google Pay has transformed the way businesses and individuals collect payments, offering a seamless solution that eliminates the need for complex payment infrastructure. Whether you’re a freelancer seeking quick client payments or a small business owner managing transactions, payment links provide an instant, hassle-free method to receive funds directly into your bank account.

Creating payment links through Google Pay enables you to bypass traditional payment gateway setups while maintaining security and efficiency. You can share these links across multiple channels – from WhatsApp to email – making payment collection as simple as sending a message.

What is a Google Pay Payment Link?

Google Pay Payment Links are smart URLs that let users complete UPI transactions instantly. When clicked, they open the Google Pay app with pre-filled details like UPI ID, amount, and description, thanks to deep linking technology that eliminates manual errors.

Ideal for small businesses or freelancers without e-commerce setups, these links offer a simple, fee-free way to collect payments. For example, yoga instructors or tutors can send personalised links after sessions.

Creating a link is easy; no merchant account or tech skills needed. Just generate, share, and receive payments directly to your bank account.

Why Use Google Pay Payment Links?

The advantages of implementing Google Pay payment links extend beyond mere convenience:

Instant Setup Benefits:

• Zero technical knowledge required

• No website integration necessary

• Immediate activation upon bank account linking

• Compatible with all UPI-enabled banks

Financial Advantages:

• No transaction fees for personal accounts

• Instant settlement to bank accounts

• Real-time payment notifications

• Complete transaction history tracking

Business Flexibility:

• Create unlimited payment links

• Customise amounts for each transaction

• Add detailed payment descriptions

• Track payments through transaction IDs

Security remains paramount with Google Pay’s multi-layered protection systems. Every transaction requires PIN verification or biometric authentication, whilst encryption protocols safeguard sensitive financial data throughout the payment process.

How to Create Payment Link in Google Pay

Step 1: Open Google Pay

Launch the Google Pay application on your smartphone and verify your login credentials. Ensure your primary bank account shows as active within the app interface. If you haven’t linked a bank account yet, navigate to the ‘Add Bank Account’ section and complete the verification process using your registered mobile number.

Check that your UPI ID displays correctly – typically formatted as yourname@bankname or phonenumber@bankname. This becomes crucial when generating payment links, as it serves as your unique payment identifier.

Step 2: Navigate to ‘Pay Phone Number’

Locate the search icon at the top of your home screen or tap the ‘New Payment’ button. You’ll see multiple payment options – select ‘Pay Phone Number’ or alternatively, choose ‘Request Money’ from the menu options.

The interface displays recent contacts and transaction history. For first-time link creation, ignore these suggestions and proceed to the manual entry section.

Step 3: Select ‘Create Payment Link’ Option

Within the payment interface, search for the ‘Create Payment Link’ option. On certain app versions, this appears under the three-dot menu or within the ‘More Options’ section. If the direct option isn’t visible, tap ‘Request Money’ and look for the link generation feature.

The payment link creation interface provides multiple customisation options, enabling you to tailor each link to specific transaction requirements.

Step 4: Enter the Payment Details

Required Information Fields:

• Amount: Enter precise payment values (e.g., ₹1,500)
• Description: Add context like “Website Design Services” or “Product Order #1234”
• Validity Period: Set expiration timeframes if needed
• Customer Details: Optional fields for recipient information

Double-check all entered information, particularly the amount field. Remember that how to create a payment link in Google Pay requires accuracy – incorrect amounts cannot be modified after link generation.

Step 5: Generate the Link

Tap the ‘Create Link’ or ‘Generate Payment Link’ button to produce your unique URL. The system processes your request and creates a secure payment link containing all specified parameters.

Review the generated link preview, which displays how recipients will see the payment request. Verify that all details appear correctly before proceeding to share the link.

Step 6: Share the Link

Google Pay provides multiple sharing options:

Direct Sharing Methods:

• WhatsApp: One-tap sharing to contacts
• SMS: Text message with payment link
• Email: Professional payment requests
• Social Media: Facebook, Twitter integration
• Copy Link: Manual sharing flexibility

Select your preferred sharing method based on customer communication preferences. For business transactions, email often provides the most professional approach, whilst WhatsApp suits informal or urgent payment requests.

Step 7: Receiving the Payment

Once customers click your payment link, they’re redirected to their UPI application with pre-filled payment details. After entering their UPI PIN, the transaction processes instantly, and you receive confirmation notifications.

Monitor incoming payments through the Google Pay transaction history, which provides comprehensive details including timestamps, amounts, and customer information.

Related Watch: How to create a UPI Payment Link

How to Create Google Pay Payment Link in Website

Method 1: For Developers

Step 1: Use Google Pay API

Developers seeking website integration must implement the Google Pay API, which provides programmatic access to payment link generation. The API supports both REST endpoints and JavaScript SDK integration, offering flexibility for various technical stacks.

Authentication requires OAuth 2.0 credentials, obtained through the Google Pay Console after business verification. API access enables bulk link generation, automated payment tracking, and webhook notifications for real-time transaction updates.

Step 2: Follow Google Pay’s API Documentation

Google’s comprehensive developer documentation outlines integration steps, including:

Technical Implementation Requirements:

• HTTPS SSL certificate mandatory
• Valid merchant identification
• Compliance with PCI DSS standards
• Integration testing in a sandbox environment

The Payment Request API allows seamless checkout experiences where customers complete transactions without leaving your website, significantly reducing cart abandonment rates.

Method 2: The “All-in-one” method (For Businesses)

While the Google Pay for Business app is great for in-person transactions, it has a major limitation: if a customer’s bank server is down or they don’t have the app installed, the payment fails, and you lose the sale.

A smarter alternative is generating a Razorpay Payment Link. This is a “Smart URL” that utilises the Google Pay Intent Flow. When a customer clicks this link on their mobile, it automatically detects the Google Pay app and launches it for a seamless payment. But unlike a standard link, it provides a safety net.

Here is how to create one in 30 seconds:

1. Log in to your Razorpay Dashboard.

2. Navigate to Payment Links and click + Create Payment Link.

3. Enter Details: Add the amount and a description (e.g., “Consultation Fee”).

4. Select Payment Methods: By default, Google Pay (UPI) is enabled. You don’t need to configure anything extra.

5. Send: Share the link via WhatsApp, Email, or SMS directly from the dashboard.

Customising Your Google Pay Payment Request Link

Payment link customisation enhances user experience and improves payment completion rates. When learning how to create a payment link in Google Pay, understanding customisation options proves essential.

Customisation Parameters:

• Fixed vs. Variable Amounts: Allow customers to enter custom amounts
• Transaction Notes: Add invoice numbers or order references
• Expiry Settings: Create time-sensitive payment requests
• Recurring Templates: Save frequently used configurations

Advanced users can encode additional parameters within UPI deep links, including merchant category codes and transaction references for enhanced tracking capabilities.

Troubleshooting Common Google Pay Payment Link Issues

Payment link failures often stem from preventable issues:

Common Problems and Solutions:

• Link Not Working: Verify recipient has UPI-enabled app installed
• Payment Failures: Check daily transaction limits (₹1,00,000 standard)
• Incorrect Amounts: Regenerate links rather than editing URLs
• Expired Links: Set appropriate validity periods for time-sensitive payments

Network connectivity issues may prevent link generation or sharing. Ensure stable internet connections when creating payment links, particularly for bulk generation scenarios.

Conclusion

Mastering how to create a payment link in Google Pay empowers businesses and individuals to streamline payment collection without technical complexities or setup costs. From freelancers managing client invoices to small businesses processing orders, payment links offer unmatched convenience and security.

The elimination of payment friction through one-click transactions significantly improves collection rates whilst reducing administrative overhead. By implementing the strategies outlined above, you can transform your payment processes and focus on growing your business rather than chasing payments.

FAQs

1. How to create a payment link in Google Pay for my business?

Open Google Pay → Tap “Pay” → Enter amount and UPI ID → Tap three dots (⋮) → Select “Get payment link” → Share the link.

2. Can I create a Google Pay payment request link for free?

Yes, creating and sharing payment links is completely free.

3. What is the maximum amount I can request through a Google Pay link?

The UPI limit is typically ₹1 lakh per transaction, but it may vary by bank.

4. Can I use Google Pay payment links on my website?

Yes, you can embed or hyperlink the payment link on your website or landing page.

5. How to send a Google Pay payment link via WhatsApp or email?

After generating the link, simply copy and paste it into your WhatsApp chat or email message.

6. Is there any fee for using Google Pay payment links in India?

No, Google Pay does not charge any fees for sending or receiving payments via UPI.

7. How to customise the payment request link on Google Pay?

You can add a description while creating the link (e.g., “Yoga Session – 4th November”) to personalise it.

8. What if my Google Pay payment link expires before use?

Most links remain active for a limited time. If expired, simply generate a new one

9. Can I track payments received through Google Pay payment links?

Yes, you can view transaction history in the Google Pay app under “Activity.”

10. How do I link my bank account with Google Pay?

Open Google Pay → Tap your profile → Add bank account → Follow prompts to verify via UPI.