How to Create Free Payment Links in India
Accept payments instantly with zero transaction fees. A practical guide to creating and sharing UPI payment links.
Vivek Patil
Founder
10 February 2026
5 min read
What Are Payment Links?
Payment links are shareable URLs that let your customers pay you directly. When a customer clicks the link, they see a branded payment page where they can complete the transaction using any UPI app.
Unlike traditional payment gateways, payment links don't require a website or app. You just share the link via WhatsApp, email, SMS, or any messaging app.
Why Most Payment Link Services Charge Fees
Most payment link providers like Razorpay, PayU, and Cashfree charge 2% per transaction. On a ₹10,000 payment, you lose ₹200.
How to Create Free Payment Links with ToroPay
Step 1: Sign Up (Free)
Create your ToroPay account at toropay.co.in/signup. No credit card required.
Step 2: Add Your UPI ID
Enter your VPA (like yourname@bank). ToroPay validates it instantly.
Step 3: Create a Payment Link
Set your amount (fixed or custom), add a title, choose your brand colors, and add a logo.
Step 4: Share the Link
Share the link via WhatsApp, Instagram, email, or any channel.
What You Get with ToroPay Payment Links
- Branded checkout page — Your logo, your colors, your brand identity
- Custom amount option — Let customers enter the amount they want to pay
- QR codes — Auto-generated QR code for every payment link
- Transaction tracking — See who paid, when, and how much
- Custom fields — Collect names, phone numbers, notes, or any custom data
How ToroPay Compares
| Feature | ToroPay | Razorpay Links | PayU Links |
|---|---|---|---|
| Transaction Fee | 0% | 2% | 2% |
| Custom Branding | Yes (free) | No | No |
| QR Code | Yes | Yes | Yes |
| Custom Fields | Yes | No | No |
| Instant Settlement | Yes (to UPI) | No (T+2) | No |
Start accepting free UPI payments
Create your free account in 2 minutes. Zero transaction fees, branded payment pages, instant settlement — no KYC required.
