cardlink.link

What It Is

Cardlink is an online payment collection tool built around “payment links.” Merchants can enter an amount to generate a link and share it with customers via Messenger, social media, email, or QR code. It can also be used to accept payments on websites, blogs, Instagram, WhatsApp, and similar channels. The available text also indicates support for API integration, transaction analytics, automatic withdrawals, manual withdrawals, and bulk payouts to individuals and sole proprietors.

Core Capabilities and Payment Methods

Its main service types include payment links, invoice creation, reusable payment links, refunds, balance inquiries, payouts, and callback notifications. For payment methods, the page says payers enter their bank card details; the terms list Visa, Mastercard, and MIR, while the API also references BANK_CARD and SBP. Supported currency fields include RUB, USD, and EUR, and the page also highlights the ability to configure USD or EUR for international business.

Pricing, Settlement, and Compliance

Pricing is shown as “starts from 3.9%,” indicating a per-transaction commission model. The API also allows merchants to configure fees to be paid by the payer. The terms disclose a chargeback handling fee of 45 USD, and a 500 USD fee for chargebacks that enter Pre-Arbitration; the Provider and Issuer may also charge additional fees. For settlement, funds enter the merchant balance after payment, with options for daily automatic withdrawals or manual withdrawals on business days. Card payouts depend on the issuing bank and may take anywhere from a few seconds to several days. In terms of security, Cardlink states that data is encrypted and protected under PCI DSS 3.2 Level 1, but the captured text does not clearly disclose the company’s place of registration, payment licenses, or regulator.

API, Risk Controls, and Support

The API documentation is relatively complete. It uses Bearer Token authentication and covers endpoints such as bill create, bill status, payment search, balance, payout, refund, and chargeback postback. It also supports Success/Fail URL and Result URL callbacks, along with signature verification. Risk-control information mainly appears in transaction declines, IP whitelisting, merchant bans, chargeback handling, and the ability for the Provider/Issuer to request additional materials, block, or cancel transactions based on anti-money-laundering and counter-terrorist-financing requirements. However, more detailed fraud detection capabilities are not disclosed.

Pros, Cons, and Who It’s For

The advantages are that merchants can accept payments without a website, the mobile payment form is simple, and the API has broad coverage. It is suitable for social commerce, donations, digital goods, small international businesses, and teams that need to launch payment links quickly. The drawbacks are that the starting fee of 3.9% is not low, chargeback costs are high, licensing and regional coverage are not very transparent, and the terms emphasize that the processor is not directly responsible for funds. Merchants should therefore further assess the fund flow and dispute liability.

Access from China

The captured text does not provide information on access from mainland China, RMB acquiring, or local compliance, so china_access can only be rated as unknown. For merchants or users targeting China, it is recommended to also evaluate Stripe, PayPal, Adyen, Checkout.com, Rapyd, YooKassa, or local payment service providers as alternatives.