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Send a Payment Link with Virtual Terminal

Send payment links directly to your customers via text message using Square's Virtual Terminal from your laptop or desktop computer. You can collect payments from customers in real time when they aren’t physically at your payments. Payment links are a secure payment method customers can use to pay right from their smartphone — without visiting a website — using their payment card, Apple Pay, Google Pay, Cash App Pay or via Afterpay where available.


There is no monthly fee for sending payment links via text message from your Virtual Terminal. You’ll only pay Square’s standard Virtual Terminal processing fee of 3.5% + $0.15 per transaction.

Afterpay and Virtual Terminal


With Virtual Terminal, you can send online payment links to your customers to accept payments via Afterpay. Your customers can spread payments between $1.00 and $2,000 over interest-free installments.

Learn more about Afterpay and Square.

Afterpay Pricing

To help you start using Afterpay with Virtual Terminal, from now through July 29, 2022, you’ll pay 2.9% + 30¢ per transaction. After our promotions, Afterpay processing fees will be 6% + 30¢ across Square Online and In-Person.
Note: Afterpay rates are fixed and do not vary by subscription type, hardware, or custom pricing.

Enable or Disable Afterpay

From your online Square Dashboard:

  1. Go to Account & Settings.
  2. Click Business > Payment Methods.
  3. Next to the Afterpay payment method, click ••• then Edit settings.
  4. Toggle the Online setting on/off.

Once you’ve enabled Afterpay Online, you can now send payment links to customers and accept Afterpay as a payment option.

To see if you are eligible for Afterpay, visit our Square Online eligibility and In-Person eligibility.

Send Payment Links

  1. From your Virtual Terminal, select Virtual Terminal > Take a Payment.

  2. Add the items and the customer.

  3. From the Payment Method section of Payment Details, select Send Payment Link.

  4. Select your customer's country code.

  5. Enter the customer's phone number and click Send Link.

  6. Wait for confirmation that the customer completed the payment.

Note: Selecting the back button while a payment is pending will cancel the payment link. Wait until you receive the payment before closing the window.

Your customer will receive a text message with a payment link. The link will take your customers directly to an online checkout page to pay on their mobile devices.  


Do I have to wait for my customer to complete the transaction?

Yes. Payment links are for taking payments in real time, like while you’re on the phone with the customer. If you want to send a payment link your customer can use to pay at a later time, you can also send them a Checkout Link or an Invoice.

Which payment methods are available to my customer?

  • Payment Cards: Your customer can securely pay via a debit or credit card with the Visa, Mastercard, American Express, Discover, JCB, or UnionPay logo.
  • Digital Wallets: Your customer can also pay using Apple Pay, Google Pay, or Samsung Pay.
  • Afterpay: Using Virtual Terminal, you can also send an online checkout link which your customer can pay using Afterpay.

How does tipping on payment links work?

Tip settings are located in your Virtual Terminal. Select Settings > Checkout to adjust your tip settings. For more on tipping, visit Get Started with Square Online Checkout Links.

Can I send payment links to an international mobile number?

Yes! Select the customer’s country code and confirm the mobile number with the customer before sending.

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