Payment Links & RtP

Payment Links — reusable tokenized URLs for invoices and social commerce. Request to Pay — pain.013 push to the payer's bank.

Overview

Two distinct flows packaged in one app:

• Payment Links — the merchant generates a tokenized URL with an amount (or open amount) and shares it via DM, email, invoice, QR sticker, Instagram bio. Payer opens the link, pays from their banking app.
• Request to Pay (RtP) — the merchant pushes a pain.013 request directly to the payer's bank. The payer sees an approve/decline prompt in their banking app, no link to click.

Both flows settle through the same instant-payment rail and land in the merchant bank account in seconds.

When to use which

Creating a Payment Link

{
  "amount": 250.00,
  "currency": "MDL",
  "description": "Invoice #INV-2026-001",
  "expiresAt": "2026-06-30T23:59:59Z",
  "reusable": false
}

Response: { "linkId": "...", "url": "https://pay.miapos.eu/L/abc...", "qrUrl": "..." }

Sending a Request to Pay

{
  "payerIban": "MD12AG000000000000000000",
  "amount": 75.00,
  "currency": "MDL",
  "description": "Subscription · June 2026"
}

Payer receives the request in their banking app within 1–2 seconds.