Faster checkout with Link
Link is a reusable payment method with immediate notification that auto-fills your customers’ payment and shipping details for them at checkout. Customers store their payment information with the Link app, and reuse it across any Stripe merchants with Link enabled. When new customers come to your site, they can use Link to pay with their saved payment details.
Getting started
You can accept the Link payment method with the Payment Element for web based checkouts or the mobile Payment Element for iOS and Android.
How customers pay
A customer who visits a business that accepts Link can make a payment with the information they stored in Link by authenticating with an SMS code. After the customer authenticates, Link loads their billing, shipping, and payment details, and then they can pay with one click.
When a Link customer needs to pay, they authenticate with SMS. After authentication, their billing, shipping, and payment details are available.
Customers can change their preferred Link payment details, add new cards, or change their address—you don’t need to make any updates. For example, if a customer switches from a debit card to a credit card, Link handles the update and automatically applies the changes to your saved link PaymentMethod.
As Link expands to new countries, we’ll increase the number of funding sources customers can use to match local preferences.
Receiving payment
Link allows customers to pay with any funding source supported by Link that works in their country. Link then pays out to the merchant in their preferred currency and method. When a merchant receives payment from a customer using Link, the payment_method_type listed for the payment is link.
Stripe adds additional payment methods to Link as funding sources for the customer’s Link account. On your payment page, Stripe only shows relevant payment methods to the customer based on their location and currency used. As a result, customers get access to their preferred payment methods through Link with no additional configuration or settlement requirements on the merchant’s part.
Refunds
You can issue full or partial refunds for Link payments by using the API to create a refund with the PaymentIntent object. Alternatively, you can issue refunds in the Dashboard.
Disputed payments
Customers can dispute Link payments. You can see open disputes in the Dashboard and through the Disputes API.
When a customer creates a dispute, it sends a charge.dispute.created webhook event and Stripe deducts both the dispute amount and dispute fee from your Stripe balance.