In-store Pay by Link is a fully contactless payment method that we developed in aid of efforts to limit the spread of COVID-19.
You initiate a payment as usual, and after a short delay a QR code with a payment link appears on the terminal. The shopper scans the QR code with the camera app on their phone and selects the payment link to complete the payment on a secure, Adyen-hosted checkout page. The payment is then processed as an online payment. This means you can offer additional, online payment methods.
You can use in-store Pay by Link as an extension to your existing Adyen integration. It is supported with Terminal API and Classic integrations and also with the Standalone solution.
When you consider using in-store Pay by Link, be aware that it increases the time at checkout, and that there are some limitations.
When possible, paying with a contactless card or mobile wallet is preferable to in-store Pay by Link.
Limitations of in-store Pay by Link
In-store Pay by Link is not possible when the internet connection is down.
Special payment features such as tender options, installments, tipping, currency conversion, and tax-free shopping are not supported.
Your payment terminal needs to be:
- One of the following models: M400, P400 Plus, V240m Plus, V400c Plus, or V400m.
On software version V1.54.4 or later.
The following payment methods are supported:
- Cards: American Express, Carte Bancaire, China Union Pay, Diners, Discover, EFTPOS, JCB, MasterCard, Visa.
Online payment methods that allow refunds. Currently: giropay, iDEAL, Interac Online, PayPal, Swish.
- You don't have the protection against chargebacks that you have when a shopper presents their card to the terminal. To remedy this, you could use 3D Secure, which offers liability shift for fraud chargebacks.
How it works
- You initiate a payment for the goods or services that the shopper is purchasing.
- The payment terminal shows the payable amount and a prompt to complete the payment. At this point, the shopper can still choose to use another payment method.
- After a five-second delay, the terminal shows the payment link QR code and a prompt to scan the code and pay online. If the shopper doesn't want to pay online, they can select the contactless icon to go back to the previous screen.
- The shopper scans the QR code with the camera app on their smartphone and selects the payment link.
If the shopper has a mobile wallet on their phone, scanning the QR code activates that payment method instead of Pay by Link.
- Pay by Link obtains the details of your payment request from the terminal, and the terminal shows Complete payment on phone.
- The shopper completes the payment online using their preferred payment method.
- The terminal receives the payment result from Pay by Link. In a Terminal API or Classic integration, you receive the response to your payment request.
- If the payment is successful, the terminal shows Approved and, if it has a built-in printer, prints the receipt.
If the payment fails, the terminal shows Declined.
Before you begin
- Make sure that you have built an integration that can make a payment.
- Make sure that your Terms and Conditions are available online. When you customize Pay by Link you need to specify this URL.
Configure your account
The Pay by Link transactions are routed over your existing merchant account or store, with the existing capture settings.
To configure your account for in-store Pay by Link:
Ask our POS Support Team to:
Enable in-store Pay by Link.
You can also discuss optional setting. For example, to change these default time-outs:
- Delay before the Pay by Link QR code appears (default 5 seconds).
Total time that the QR code remains visible (default 115 seconds).
Add online payment methods to your account.
Optionally set up 3D Secure.
Because the shopper is present and fraud is less likely, 3D Secure is not mandatory. But we still recommend you let us set up 3D Secure for you, to make use of the liability shift for fraud chargebacks.
Make sure your web service user has the required role enabled:
Customize Pay by Link
Customize the payment page
You can customize the Adyen-hosted payment page with your branding, and include a link to your Terms & Conditions. Your Admin user has access to configure the payment page.
If a different Customer Area user needs access to configure the payment page, ask your Admin user to assign the Pay by Link Settings role. Your Admin user can configure the page, but they need to have the same role assigned to them before they can assign it to others. If your Admin user does not have this role, contact our Support Team.
To customize the payment page:
- Log in to your Customer Area.
- Select Account > Pay by Link.
- Select Appearance.
- Enter your company, store, or brand name, upload a brand logo, and add a link to your Terms & Conditions.
- Optionally change the background color and upload a background image.
- Select Save.
You will receive a confirmation that the payment form has been updated.
On the Settings tab you can enable options to ask the shopper for the name that's on their card and the billing address connected to the card. We don't recommend enabling these options though, because they slow down the checkout process. The other options on this tab don't apply to in-store Pay by Link.
Sort payment methods
The list of payment methods shown by Pay by Link is ordered by popularity, the most popular payment methods in the shopper's country appearing at the top.
If you want to present the payment methods in a different order:
- Log in to your Customer Area.
Go to Account > Checkout.
If Checkout does not appear in the Account menu, ask your Admin user to enable the Change payment methods user role for your user account.
- Select a Country. The list of payment methods you now see are in the order they will appear to shoppers in this country.
- Drag the payment methods into the order that you want them to appear.
- Select Submit at the bottom of the page.
Remove payment methods
To remove a payment method from the list shown by Pay by Link, we recommend that you deactivate this payment method:
- Log in to your Customer Area.
- Go to Account > Payment methods.
- Select the check box next to the payment method that you want you disable.
- Select Deactivate at the bottom of the page.
Make a payment
To initiate an in-store Pay by Link payment, start a payment like you usually do.
Any transaction conditions or
in your payment request are applied when the shopper pays with a contactless card or mobile wallet, but ignored when the shopper pays with Pay by Link.
Depending on the online payment methods that you are using, you may receive payment responses with values that you normally don't see in your point-of-sale integration. Other than that, the payment response will contain the usual parameters.
If the shopper doesn't complete the payment in ten minutes after scanning the payment link QR code, the transaction times out and the terminal shows a red cross . You can retry the transaction.
If the payment result shown on the Pay by Link page is not the same as the result shown on the terminal, the result on the terminal is leading.
For example, if the Pay by Link page indicates no payment took place but the terminal shows Approved, the transaction did succeed.
Cancel a payment
If the shopper cancels the transaction online after selecting the payment link, the terminal shows Cancelled. In a Terminal API or Classic integration you receive a payment response with the applicable point-of-sale error condition and refusal reason.
It is not possible to cancel an in-progress Pay by Link transaction from the cash register or the terminal. To fix a situation where you would ordinarily cancel the transaction, you need to wait until the transaction is completed and approved, and then refund the payment.
Refund a payment
There are various ways to refund an in-store Pay by Link payment:
Recommended: Make a referenced refund, specifying the transaction ID and time stamp of the original transaction in a
ReversalRequest. Compared to unreferenced refunds, there is a lower risk of return fraud, and the reconciliation is simpler.
If the shopper has a card they can present to the terminal, you can make an unreferenced refund, specifying a
PaymentRequestwith a payment type of Refund.
- Manually refund a payment from the Customer Area.