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Payment solutions

Start with the way your business sells.

Share a link, connect payments to your existing website, or offer your products through your own online store.

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Three ways to begin

Choose a path that fits your sales.

Selling through messages and taking orders in an application involve different needs. Payniko helps you build the payment flow that suits your business and follow the results in your panel.

A shareable payment link
Send customers a link through the channel you already use. Set a fixed amount or let them enter an amount within your range.
Connect your existing product
Add payments to your website or application with Hosted or Direct API, alongside the ordering experience you already provide.
Payments with your catalogue
An online store brings products, the basket and checkout together. Follow incoming orders from the same management area.
Access transaction records
Review payment status, the related collection record and its balance impact. See where each sale stands.

Sales through messages

Turn a conversation into a payment step.

When a sale is agreed through social media, email or messages, share a payment link with your customer. It gives them a clear next step without setting up a store.

  • Fixed or ranged amounts
  • A link to share
  • Payment tracking in your panel
Explore the product
Product experience

Your website or application

Connect payments to existing orders.

If your product is already running, add a payment step to that experience. Compare a ready checkout page with using your own payment form on the API page.

  • Hosted checkout page
  • Direct payment flow
  • Results sent to your system
Explore the product

Products and shopping

Build a store around your catalogue.

A store gives customers a catalogue to browse when individual product conversations are no longer enough. Product pages, the basket, orders and checkout form one shopping journey.

  • Products and categories
  • Basket and checkout
  • Visibility of incoming orders
Explore the product
Product experience

Balance and withdrawals

Choose your first payment flow

  1. Identify the need

    Compare links, API integration and a store against the way you sell.

  2. Prepare your account

    Check the products available to your account and the applicable conditions in your panel.

  3. Follow transactions

    Review payment results and eligible balances as you manage the next step.

Different businesses, different starting points

Services

Collect an agreed service fee through a payment link.

Digital products or applications

Connect the payment step to your orders and receive results in your own system.

A product catalogue

Manage products, customers’ baskets and incoming orders through your online store.

Your questions

Can I use more than one payment flow?

You can combine links, API payments and a store according to the products enabled for your account. Available options and limits are shown in your panel.

Is every payment attempt successful?

Results depend on factors including the issuing bank, payment channel and required verification. You can follow the current transaction status in your panel.

Where can I see the balance after a payment?

Collection records and the related balances are available in your panel. When requesting a withdrawal, use the eligible amount, which can differ from the total balance.

Build payments around your business.

Explore the right product, create your account and continue with the options available in your panel.

Create account

Product access, limits and fees depend on the conditions of your account.