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Payment links let a business collect customer payments without creating a wallet for every customer or building a checkout UI. NorthFond hosts the payment page, tracks each payment as a payment intent, and credits the business treasury exactly once after completion.

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How it works

1

Configure your page

In the Business dashboard, open Payment links and choose currencies, payment methods, settlement mode, and optional amount boundaries.
2

Share the public URL

Customers open /pay/{slug}, enter their details, amount, and preferred payment method.
3

Track the checkout

Each submission creates a unique checkout URL and payment intent. Use the dashboard, notifications, or webhooks to follow its status.
4

Receive settlement

Completed payments create one confirmed treasury deposit and one balanced ledger credit. Replays cannot credit the treasury twice.

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Settlement choices

Available methods and currencies are controlled by the business environment and payment-page configuration. Never hardcode the options shown to customers.

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Checkout states

awaiting_payment → funds_detected → processing → completed A checkout can also become review_required, approved, failed, cancelled, or expired. Treat only completed as proof that settlement was finalized.
An approved checkout has permission to continue; it has not been paid. The customer must return and explicitly continue before NorthFond sends a new M-Pesa prompt.

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Reconciliation

Use the payment intent ID as the durable NorthFond identifier and your external reference as your internal order identifier. Confirm fulfillment from a signed payment_intent.completed webhook or by reading the payment in the Business dashboard. Do not fulfill from a browser redirect alone.

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Sandbox

Sandbox checkouts simulate payment and treasury credit without moving funds. Use sandbox to verify status handling, duplicate completion protection, tenant isolation, notifications, and webhook signatures before enabling live collection.