Get Paid Faster with Secure Pay by Link Solutions

Agicap's award-winning Accounts Receivable module has a powerful new addition: the pay by link feature.

Please note: Agicap Pay By Link is currently available only for payments processed in EUR and requires integration with Swan, a European payment service provider. It is not yet available for use with USD or in the U.S. market. We’re actively working on expanding this feature – stay tuned!

What is pay by link?

Pay by link is a simple and secure online payment method that allows businesses to collect payments remotely, without the need for a traditional checkout. Here's how it works:

• Simplifies the payment process for your customers: Generate a payment link for your customer.
• Send it via email, SMS, or invoice.
• Customer pays online quickly and securely.
• Accelerate cash collection and improve customer experience.

What is pay by link feature in Agicap?

Make it as easy as possible for customers to pay you in 3 easy steps:

• Customer opens their client portal.
• Customer clicks on card payment link and pays with credit card.
• Agicap tracks the payment and updates your cash management overview.

Agicap - the expert in pay by link solutions and cash collection

With Agicap's foundational AR module CashCollect, clients testify to a 20% reduction in DSO as well as a halving of the time spent by staff on dunning and collection. Simon Rauturier, CFO of the Plenetude group, says Agicap is "a reliable, ergonomic, and revolutionary tool for cash management".

Benefits of the Agicap pay by link solution

To the existing versatility and power of Agicap CashCollect, the Agicap pay by link feature offers three key advantages:

• Simplifies the payment process for your customers: they just need to click on a link, and use a credit card.
• Reduces payment delays: every little counts. Streamlining cash collection reduces DSO (Days Sales Outstanding). If the DSO of a business is too high, then its Working Capital Requirement will be too high too - and that can lead to costly external financing. Avoid!
• Improves cash flow management for Agicap clients: in two ways. Firstly, payment links speed up the payment process, which improves cash flow. And, secondly, online payments are instantly registered by the Agicap cash management system and used to feed into accurate forecasting.

As with QR code payments, you can simplify the payment process for your customers, reduce payment delays, and improve cash flow management with Pay By Link.

How to send money through a link (EU Version)

For eligible clients in Europe, the customer payment experience for Pay By Link is designed to be as simple as possible:

• The customer goes to their client portal.
• By the side of each invoice that is due, they can click on a payment button (a secure link)
• They will then be directed to the payment page provided by Swan.
• Here they can enter their card details and confirm payment.
• The customer can then review their payment details including the amount paid and the and the payment date - alongside the invoice details.

Is link payment safe?

Yes, 100%. Robust banking protocols are used for Agicap Pay By Link feature in conjunction with reputable provider Swan, a licensed European payment institution regulated under PSD2.

For security and compliance, Swan holds 100% of the total amount of card payment for 5 business days before releasing it into the Agicap client's bank account.

How to create an online payment link

To set up Pay By Link, the Agicap client needs only:

• Create an account on Swan (in the unlikely event that they do not have one already).
• Create a merchant profile.
• Press the "add card payment" button.
• Await confirmation from Swan.

Agicap Pay By Link: FAQs

How does Agicap Pay By Link software integrate with cashflow management?

Once a card payment is made using Pay by link:

• The status of the invoice in the Client Portal will be marked as "paid by card".
• In the bigger picture of Agicap payment tracking and reconciliation, the invoice status will remain "Ongoing" until it is manually reconciled or marked as paid.
• The transaction will appear in the Agicap user's Swan Web Banking under the "Upcoming" transactions section.
• The day after the payment at 18:00, the transaction will be visible under the "History" page of Swan Web Banking.

What companies can use link payments?

Pay by link is available to clients using our CashCollect module. While this feature is currently optimized for EUR transactions and EU-based payment processing, we're working on expanding availability.

Feel free to reach out—we'll guide you through the setup steps and keep you updated as broader functionality becomes available in the US.

What pay by link credit cards can clients use?

Customers can pay using both personal and business credit cards, including Visa, Mastercard, and American Express. Please note:

• Agicap pay by link solution currently supports EUR-denominated invoices only.
• Split payments or invoices in USD are not yet supported.

Agicap pay by link software - takeaways

According to our 2025 survey of 100+ CFOs in US mid-market companies, 43% experience an unexpected cash shortfall of more than $50,000 every 20 days, often due to unreliable cash flow forecasts and outdated collection tools.

The Agicap pay by link feature helps address this issue by enabling faster, more predictable payments – a key lever to improve cash visibility and reduce forecasting risk.

Here’s how Agicap Pay By Link works:

• Quick payment link generation - Pay by link only takes a few clicks to set up.
• Secure transactions - 100% security and compliance guaranteed.
• Real-time payment tracking - immediate status updates in back-end and client-facing portal.
• Multi-payment method acceptance - all credit cards including American Express.
• Integration with cash flow management - all payments instantly registered by the Agicap cash management system.

Agicap Receivables Automation (ARA)

The pay by link feature of Agicap isn't the only Agicap innovation transforming financial workflows. The cutting-edge Agicap Receivables Automation (ARA) is here to revolutionize how businesses manage their receivables. From streamlined invoice follow-ups to improved cash collection efficiency, ARA empowers Agicap clients to take control of their cash flow like never before. Ready to elevate your receivables management?