# Create payment link

`POST /accounts/{accountID}/payment-links`

API version: `v2026.07.00`. Send `X-Moov-Version: v2026.07.00` to get the behavior described here.

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Create a payment link that allows an end user to make a payment on Moov's hosted payment link page.

To access this endpoint using an [access token](https://docs.moov.io/api/authentication/access-tokens/) 
you'll need to specify the `/accounts/{accountID}/transfers.write` scope.

## Parameters

| Name | In | Type | Required | Description |
| --- | --- | --- | --- | --- |
| `X-Moov-Version` | header | string |  | Set this header to v2026.07.00 to use the API described in this specification. When omitted, the server defaults to v2024.01.00, the earliest supported version, which may not match the behavior documented here. An unrecognized well-formed version uses the latest supported version that is not newer than the requested version, when one exists. For example, `v2026.08.00` uses `v2026.07.00`. A malformed value, such as `2022`, returns a `404` response. Values: `v2026.07.00`. |
| `accountID` | path | string | Yes | The merchant account ID. |

## Request body

Content type: `application/json`

| Field | Type | Required | Description |
| --- | --- | --- | --- |
| `partnerAccountID` | string | Yes | The partner's Moov account ID. |
| `merchantPaymentMethodID` | string | Yes | The merchant's preferred payment method ID. Must be a wallet payment method. |
| `amount` | object |  | The fixed amount of the payment link. In API versions before `2026.07.00`, this was a required field. In API version `2026.07.00` and beyond, this field is required for `payment` and `payout` links and must be omitted for `customAmountPayment` links, where the payor chooses the amount. |
| `amount.currency` | string | Yes | A 3-letter ISO 4217 currency code. |
| `amount.value` | integer (int64) | Yes | Quantity in the smallest unit of the specified currency. In USD this is cents, for example, $12.04 is 1204 and $0.99 is 99. |
| `maxUses` | integer (int64) |  | An optional limit on the number of times this payment link can be used. **For payouts, `maxUses` is always 1.** |
| `expiresOn` | string (date-time) |  | An optional expiration date for this payment link. |
| `display` | object | Yes | Customizable display options for a payment link. |
| `display.title` | string | Yes | The payment page title displayed to the user. |
| `display.description` | string | Yes | A payment description displayed to the user. |
| `display.callToAction` | string | Yes | The text to be displayed on web form's submit button. If set to "auto" the UI will automatically select between "pay" and "confirm" for payments and payouts respectively. Values: `pay`, `book`, `subscribe`, `donate`, `confirm`, `auto`. |
| `customer` | object |  |  |
| `customer.requireAddress` | boolean |  | If true, a billing address is required when completing the payment form. |
| `customer.requirePhone` | boolean |  | If true, a phone number is required when completing the payment form. |
| `customer.tippingEnabled` | boolean |  | If true, tipping is enabled on the payment form. Defaults to false. |
| `customer.metadata` | object |  | Optional free-form metadata for the Moov account that will represent this customer. |
| `payment` | object |  | Options for payment links used to collect payment. |
| `payment.allowedMethods` | array of string | Yes | A list of payment methods that should be supported for this payment link. Values: `apple-pay`, `card-payment`, `ach-debit-collect`, `google-pay`. |
| `payment.cardDetails` | object |  | Options for payment links used to collect a card payment. |
| `payment.cardDetails.dynamicDescriptor` | string |  | An optional override of the default card statement descriptor for a transfer. Accounts must be enabled by Moov to set this field. |
| `payment.achDetails` | object |  | Options for payment links used to collect an ACH payment. |
| `payment.achDetails.companyEntryDescription` | string |  | An optional override of the default NACHA company entry description for a transfer. |
| `payment.achDetails.originatingCompanyName` | string |  | An optional override of the default NACHA company name for a transfer. |
| `payment.metadata` | object |  | Optional free-form metadata for the transfer. |
| `payout` | object |  | Options for payout links used to send a payout. |
| `payout.allowedMethods` | array of string | Yes | A list of payment methods that should be supported for this payment link. Values: `push-to-card`, `rtp-credit`, `ach-credit-same-day`, `ach-credit-standard`, `push-to-apple-pay`, `push-to-google-pay`. |
| `payout.recipient` | object | Yes | Specify the intended recipient of the payout. Either `email` or `phone` must be specified, but not both. This information will be used to authenticate the end user when they follow the payment link. |
| `payout.recipient.email` | string (email) |  |  |
| `payout.recipient.phone` | object |  |  |
| `payout.recipient.phone.number` | string |  |  |
| `payout.recipient.phone.countryCode` | string |  |  |
| `payout.metadata` | object |  | Optional free-form metadata for the transfer. |
| `payout.pushOptions` | object |  | Delivery options for `push-to-card` and `push-to-apple-pay` payouts. |
| `payout.pushOptions.allowedSpeeds` | array of string | Yes | Delivery speeds the recipient may choose from for `push-to-card` and `push-to-apple-pay`. Include `instant` to allow immediate delivery, `deferred` to allow delayed delivery, or both to let the recipient choose at checkout. Values: `instant`, `deferred`. |
| `payout.pushOptions.deferredBy` | string |  | Delay before delivering a deferred payout. Required when `allowedSpeeds` includes `deferred`. Accepted values are `24h` or `48h`. |
| `payout.feePaidBy` | object |  | Indicates which party pays the fee, keyed by `PayoutFeePaidByKey`. If keys are not set, the default is `source`. Possible `PayoutFeePaidByKey` keys: `instant-push-to-card`, `deferred-push-to-card`, `instant-push-to-apple-pay`, `deferred-push-to-apple-pay`, `instant-bank-credit` (API v2026.01.00 and later), `rtp-credit`, `ach-credit-same-day`, `ach-credit-standard`, `push-to-google-pay` |
| `customAmountPayment` | object |  | Options for a custom amount payment link. Mutually exclusive with `payment` and `payout`. |
| `customAmountPayment.allowedMethods` | array of string | Yes | A list of payment methods that should be supported for this payment link. Values: `apple-pay`, `card-payment`, `ach-debit-collect`, `google-pay`. |
| `customAmountPayment.cardDetails` | object |  | Options for payment links used to collect a card payment. |
| `customAmountPayment.cardDetails.dynamicDescriptor` | string |  | An optional override of the default card statement descriptor for a transfer. Accounts must be enabled by Moov to set this field. |
| `customAmountPayment.achDetails` | object |  | Options for payment links used to collect an ACH payment. |
| `customAmountPayment.achDetails.companyEntryDescription` | string |  | An optional override of the default NACHA company entry description for a transfer. |
| `customAmountPayment.achDetails.originatingCompanyName` | string |  | An optional override of the default NACHA company name for a transfer. |
| `customAmountPayment.metadata` | object |  | Optional free-form metadata for the transfer. |
| `customAmountPayment.amountRange` | object |  | The minimum and maximum amounts the payor can specify. When omitted, the payor may enter any amount. Both bounds must use USD. |
| `customAmountPayment.amountRange.minimum` | object |  | Minimum amount allowed in the range |
| `customAmountPayment.amountRange.minimum.currency` | string | Yes | A 3-letter ISO 4217 currency code. |
| `customAmountPayment.amountRange.minimum.valueDecimal` | string | Yes | A decimal-formatted numerical string that represents up to 9 decimal place precision. For example, $12.987654321 is '12.987654321'. |
| `customAmountPayment.amountRange.maximum` | object |  | Maximum amount allowed in the range |
| `customAmountPayment.amountRange.maximum.currency` | string | Yes | A 3-letter ISO 4217 currency code. |
| `customAmountPayment.amountRange.maximum.valueDecimal` | string | Yes | A decimal-formatted numerical string that represents up to 9 decimal place precision. For example, $12.987654321 is '12.987654321'. |
| `customAmountPayment.suggestedAmounts` | array of object |  | Optional preset amounts displayed to the payor. Each suggested amount must use USD and, when an `amountRange` is set, fall within it. |
| `customAmountPayment.suggestedAmounts[].currency` | string | Yes | A 3-letter ISO 4217 currency code. |
| `customAmountPayment.suggestedAmounts[].valueDecimal` | string | Yes | A decimal-formatted numerical string that represents up to 9 decimal place precision. For example, $12.987654321 is '12.987654321'. |
| `lineItems` | object |  | An optional collection of line items for a payment link. When line items are provided, their total plus tax must equal the payment link amount. |
| `lineItems.items` | array of object | Yes | The list of line items. |
| `lineItems.items[].name` | string | Yes | The name of the item. |
| `lineItems.items[].basePrice` | object | Yes | The base price of the item before applying option modifiers. |
| `lineItems.items[].basePrice.currency` | string | Yes | A 3-letter ISO 4217 currency code. |
| `lineItems.items[].basePrice.valueDecimal` | string | Yes | A decimal-formatted numerical string that represents up to 9 decimal place precision. For example, $12.987654321 is '12.987654321'. |
| `lineItems.items[].quantity` | integer (int32) | Yes | The quantity of this item. |
| `lineItems.items[].options` | array of object |  | Optional list of modifiers applied to this item (e.g., toppings, upgrades, customizations). |
| `lineItems.items[].options[].name` | string | Yes | The name of the option or modifier. |
| `lineItems.items[].options[].quantity` | integer (int32) | Yes | The quantity of this option. |
| `lineItems.items[].options[].priceModifier` | object |  | Optional price modification applied by this option. Can be positive, negative, or zero. |
| `lineItems.items[].options[].priceModifier.currency` | string | Yes | A 3-letter ISO 4217 currency code. |
| `lineItems.items[].options[].priceModifier.valueDecimal` | string | Yes | A decimal-formatted numerical string that represents up to 9 decimal place precision. For example, $12.987654321 is '12.987654321'. |
| `lineItems.items[].options[].imageIDs` | array of string |  | Optional list of images associated with this line item option. This field is being deprecated in favor using the images associated with a productID and will soon be unsupported. |
| `lineItems.items[].options[].group` | string |  | Optional group identifier to categorize related options (e.g., 'toppings'). |
| `lineItems.items[].imageIDs` | array of string |  | Optional list of images associated with this line item. This field is being deprecated in favor using the images associated with a productID and will soon be unsupported. |
| `lineItems.items[].productID` | string |  | Optional unique identifier associating the line item with a product. When provided, images associated with the product will be included on the line item. This does not populate other details of the line item. |
| `amountDetails` | object |  |  |
| `amountDetails.tax` | object |  | The amount of tax applied to the payment link. |
| `amountDetails.tax.currency` | string | Yes | A 3-letter ISO 4217 currency code. |
| `amountDetails.tax.valueDecimal` | string | Yes | A decimal-formatted numerical string that represents up to 9 decimal place precision. For example, $12.987654321 is '12.987654321'. |
| `amountDetails.surcharge` | object |  | The amount of surcharge applied to the payment link. |
| `amountDetails.surcharge.currency` | string | Yes | A 3-letter ISO 4217 currency code. |
| `amountDetails.surcharge.valueDecimal` | string | Yes | A decimal-formatted numerical string that represents up to 9 decimal place precision. For example, $12.987654321 is '12.987654321'. |

Example:

```json
{
  "partnerAccountID": "d290f1ee-6c54-4b01-90e6-d701748f0851",
  "merchantPaymentMethodID": "4c4e7f8e-81f4-4f3d-8f6f-6f6e7f8e4c4e",
  "amount": {
    "currency": "USD",
    "value": 2500
  },
  "display": {
    "title": "Claim your payout",
    "description": "Q3 rebate payout.",
    "callToAction": "confirm"
  },
  "payout": {
    "allowedMethods": [
      "push-to-card",
      "push-to-apple-pay",
      "rtp-credit",
      "ach-credit-standard"
    ],
    "pushOptions": {
      "allowedSpeeds": [
        "instant",
        "deferred"
      ],
      "deferredBy": "24h"
    },
    "recipient": {
      "email": "jordan@example.com"
    },
    "feePaidBy": {
      "instant-push-to-card": "destination",
      "deferred-push-to-card": "source",
      "instant-push-to-apple-pay": "destination",
      "rtp-credit": "destination"
    }
  }
}
```

## Response 200

The request completed successfully.

| Field | Type | Required | Description |
| --- | --- | --- | --- |
| `code` | string | Yes | Unique code identifying this payment link. |
| `paymentLinkType` | string | Yes | Values: `payment`, `payout`, `invoice-payment`, `custom-amount-payment`. |
| `mode` | string | Yes | The operating mode for an account. Values: `sandbox`, `production`. |
| `status` | string | Yes | Values: `active`, `used`, `disabled`, `expired`. |
| `partnerAccountID` | string | Yes | The partner's Moov account ID. |
| `merchantAccountID` | string | Yes | The merchant's Moov account ID. |
| `ownerAccountID` | string | Yes | The payment link's owner's Moov account ID. |
| `merchantPaymentMethodID` | string | Yes | The merchant's preferred payment method ID. Must be a wallet payment method. |
| `link` | string (uri) | Yes | Link to the payment landing page for this payment link. |
| `amount` | object |  | The fixed amount of the payment link. In API versions before `2026.07.00`, this was a required field. In API version `2026.07.00` and beyond, this field is present for `payment` and `payout` links and omitted for `customAmountPayment` links, where the payor chooses the amount. |
| `amount.currency` | string | Yes | A 3-letter ISO 4217 currency code. |
| `amount.value` | integer (int64) | Yes | Quantity in the smallest unit of the specified currency. In USD this is cents, for example, $12.04 is 1204 and $0.99 is 99. |
| `uses` | integer (int64) | Yes | The number of times this payment link has been used. |
| `maxUses` | integer (int64) |  | An optional limit on the number of times this payment link can be used. **For payouts, `maxUses` is always 1.** |
| `lastUsedOn` | string (date-time) |  | The timestamp when this payment link was last used. |
| `expiresOn` | string (date-time) |  | An optional expiration date for this payment link. |
| `display` | object | Yes | Customizable display options for a payment link. |
| `display.title` | string | Yes | The payment page title displayed to the user. |
| `display.description` | string | Yes | A payment description displayed to the user. |
| `display.callToAction` | string | Yes | The text to be displayed on web form's submit button. If set to "auto" the UI will automatically select between "pay" and "confirm" for payments and payouts respectively. Values: `pay`, `book`, `subscribe`, `donate`, `confirm`, `auto`. |
| `customer` | object | Yes |  |
| `customer.requireAddress` | boolean |  | If true, a billing address is required when completing the payment form. |
| `customer.requirePhone` | boolean |  | If true, a phone number is required when completing the payment form. |
| `customer.tippingEnabled` | boolean |  | If true, tipping is enabled on the payment form. Defaults to false. |
| `customer.metadata` | object |  | Optional free-form metadata for the Moov account that will represent this customer. |
| `payment` | object |  | Options for payment links used to collect payment. |
| `payment.allowedMethods` | array of string | Yes | A list of payment methods that should be supported for this payment link. Values: `apple-pay`, `card-payment`, `ach-debit-collect`, `google-pay`. |
| `payment.cardDetails` | object |  | Options for payment links used to collect a card payment. |
| `payment.achDetails` | object |  | Options for payment links used to collect an ACH payment. |
| `payment.metadata` | object |  | Optional free-form metadata for the transfer. |
| `payout` | object |  | Options for payout links used to send a payout. |
| `payout.allowedMethods` | array of string | Yes | A list of payment methods that should be supported for this payment link. Values: `push-to-card`, `rtp-credit`, `ach-credit-same-day`, `ach-credit-standard`, `push-to-apple-pay`, `push-to-google-pay`. |
| `payout.recipient` | object | Yes | Specify the intended recipient of the payout. Either `email` or `phone` must be specified, but not both. This information will be used to authenticate the end user when they follow the payment link. |
| `payout.metadata` | object |  | Optional free-form metadata for the transfer. |
| `payout.pushOptions` | object |  | Delivery options for `push-to-card` and `push-to-apple-pay` payouts. |
| `payout.feePaidBy` | object |  | Indicates which party pays the fee, keyed by `PayoutFeePaidByKey`. If keys are not set, the default is `source`. Possible `PayoutFeePaidByKey` keys: `instant-push-to-card`, `deferred-push-to-card`, `instant-push-to-apple-pay`, `deferred-push-to-apple-pay`, `instant-bank-credit` (API v2026.01.00 and later), `rtp-credit`, `ach-credit-same-day`, `ach-credit-standard`, `push-to-google-pay` |
| `customAmountPayment` | object |  | A custom amount payment link shares all the options of a `payment` link, but the payor chooses how much to pay rather than the merchant fixing the amount. The amount may optionally be constrained to a range. |
| `customAmountPayment.allowedMethods` | array of string | Yes | A list of payment methods that should be supported for this payment link. Values: `apple-pay`, `card-payment`, `ach-debit-collect`, `google-pay`. |
| `customAmountPayment.cardDetails` | object |  | Options for payment links used to collect a card payment. |
| `customAmountPayment.achDetails` | object |  | Options for payment links used to collect an ACH payment. |
| `customAmountPayment.metadata` | object |  | Optional free-form metadata for the transfer. |
| `customAmountPayment.amountRange` | object |  | The minimum and maximum amounts the payor can specify. When omitted, the payor may enter any amount. Both bounds must use USD. |
| `customAmountPayment.suggestedAmounts` | array of object |  | Optional preset amounts displayed to the payor. Each suggested amount must use USD and, when an `amountRange` is set, fall within it. |
| `lineItems` | object |  | An optional collection of line items for a payment link. When line items are provided, their total plus tax must equal the payment link amount. |
| `lineItems.items` | array of object | Yes | The list of line items. |
| `createdOn` | string (date-time) | Yes |  |
| `updatedOn` | string (date-time) | Yes |  |
| `disabledOn` | string (date-time) |  |  |
| `amountDetails` | object |  |  |
| `amountDetails.tax` | object |  | The amount of tax applied to the payment link. |
| `amountDetails.surcharge` | object |  | The amount of surcharge applied to the payment link. |

## Errors

| Status | Meaning |
| --- | --- |
| 400 | The server could not understand the request due to invalid syntax. |
| 401 | The request contained missing or expired authentication. |
| 403 | The user is not authorized to make the request. |
| 404 | The requested resource was not found. |
| 409 | The request conflicted with the current state of the target resource. |
| 422 | The request was well-formed, but the contents failed validation. Check the request for missing or invalid fields. |
| 429 | Request was refused due to rate limiting. |
| 500 | The request failed due to an unexpected error. |
| 504 | The request failed because a downstream service failed to respond. |

## Examples

### cURL

```bash
curl -X POST "https://api.moov.io/accounts/{accountID}/payment-links" \
  -H "Authorization: Bearer {token}" \
  -H "X-Moov-Version: v2026.07.00" \
  -d '{
    "partnerAccountID": "d290f1ee-6c54-4b01-90e6-d701748f0851",
    "merchantPaymentMethodID": "4c4e7f8e-81f4-4f3d-8f6f-6f6e7f8e4c4e",
    "amount": {
      "currency": "USD",
      "value": 10000
    },
    "display": {
      "title": "Example Payment Link",
      "description": "This is an example payment link.",
      "callToAction": "pay"
    },
    "customer": {
      "requirePhone": true,
      "tippingEnabled": true
    },
    "payment": {
      "allowedMethods": [
        "card-payment",
        "ach-debit-collect"
      ]
    }
  }'
```

### Typescript (SDK)

```typescript
import { Moov } from "@moovio/sdk";

const moov = new Moov({
  security: {
    username: "",
    password: "",
  },
});

async function run() {
  const result = await moov.paymentLinks.create({
    accountID: "cc1d04a8-03b1-4600-b675-e6180d574074",
    createPaymentLink: {
      partnerAccountID: "d290f1ee-6c54-4b01-90e6-d701748f0851",
      merchantPaymentMethodID: "4c4e7f8e-81f4-4f3d-8f6f-6f6e7f8e4c4e",
      amount: {
        currency: "USD",
        value: 2500,
      },
      display: {
        title: "Claim your payout",
        description: "Q3 rebate payout.",
        callToAction: "confirm",
      },
      payout: {
        allowedMethods: [
          "push-to-card",
          "push-to-apple-pay",
          "rtp-credit",
          "ach-credit-standard",
        ],
        recipient: {
          email: "jordan@example.com",
        },
        pushOptions: {
          allowedSpeeds: [
            "instant",
            "deferred",
          ],
          deferredBy: "24h",
        },
        feePaidBy: {
          "instant-push-to-card": "destination",
          "deferred-push-to-card": "source",
          "instant-push-to-apple-pay": "destination",
          "rtp-credit": "destination",
        },
      },
    },
  });

  console.log(result);
}

run();
```

Full reference with SDK examples in every language: https://docs.moov.io/api/money-movement/payment-links/create/