Payment Links & Invoices

Collect money from customers with shareable payment links and itemised invoices — no website required.

4 min read

Overview

Payment links and invoices are two ways for a Danipa merchant to take money from customers. Both deliver paid funds to your merchant balance and both are managed from the Merchant Dashboard at merchant.danipa.com (or merchant.sandbox.danipa.com in sandbox).

Requirement: You must be a registered Danipa merchant to create payment links or invoices. Merchant registration uses KYB (Know Your Business), not the personal KYC tier system. See Merchant Dashboard for registration steps.

Payment links

A payment link is a short, shareable URL (e.g. merchant.danipa.com/p/AbC123) that opens a Danipa-hosted checkout page. Anyone with the link can pay you — they don't need a Danipa account themselves.

Create a link

1. Open the merchant dashboard and go to Payment Links.
2. Click Create new link.
3. Fill in the details:
   • Title — what the payment is for (shown on the checkout page).
   • Amount and currency — the exact amount the customer will pay.
   • Description (optional) — additional context shown on checkout.
4. Click Create.

The link is generated immediately with a short code you can share.

Share a link

For each link in the list:

• Copy — copy the URL to your clipboard for paste into chat, SMS, or email.
• QR code — open a printable QR for in-person sharing (a customer scans it with their phone camera).
• Open — preview the customer-facing checkout page yourself.

Link statuses

Links use one of three statuses:

You can deactivate an active link at any time. Deleting a link that has received no payments removes it; deleting one that has received payments deactivates it instead, so the audit trail is preserved.

What the customer sees

Opening a payment link shows a Danipa-branded checkout page with:

• Your merchant name and the link title.
• The amount and currency.
• Available payment methods for that currency (e.g. card, MTN MoMo).
• A receipt is generated for both you and the customer once the payment completes.

Invoices

Invoices let you bill specific customers for itemised work. Each invoice has line items, a customer name, and an optional due date.

Create an invoice

1. Open the merchant dashboard and go to Invoices.
2. Click New invoice.
3. Fill in the details:
   • Customer name (required), email, phone (both optional but used for delivery).
   • Line items — for each one: description, quantity, unit price. Subtotals calculate automatically.
   • Tax amount (optional, flat amount).
   • Currency (defaults to GHS).
   • Due date (optional).
   • Notes (optional, free text shown on the invoice).
4. Save as Draft, or click Send to email it to the customer immediately.

Invoice statuses

You can edit a draft, send a draft, or void an invoice that's no longer needed.

How customers pay

Each sent invoice includes a hosted checkout link (the same engine as payment links). Clicking it opens the Danipa checkout with the invoice details pre-filled. Once paid, the invoice flips to PAID and the funds appear in your merchant balance.

Receiving payments

Whichever surface the customer used (link or invoice), the result is the same:

1. Funds settle to your merchant balance for that currency.
2. You get a notification (push, email, or SMS — see Notifications & Alerts).
3. The link or invoice updates to its terminal status (paid count incremented, or invoice flips to PAID).
4. A signed PDF receipt is generated for both parties.

For payouts from your merchant balance, see Merchant Dashboard → Payouts.

Tips for getting paid faster

• Be specific in the title. "Invoice 42 — May design retainer" beats "Payment".
• Use QR codes in person. Faster than dictating a URL.
• Set due dates on invoices. A clear date reduces follow-up.
• Reuse links for recurring work. A single active link can collect many payments — no need to recreate.

Related guides

• Merchant Dashboard — registration, payouts, team access, API keys, webhooks.
• Receipts & Statements — what gets generated for each completed payment.
• Notifications & Alerts — how merchant payment alerts are delivered.