> For the complete documentation index, see [llms.txt](https://docs.velafi.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.velafi.com/guides/stablecoin-payments/create-a-payment-link.md).

# Create a Payment Link

This API is used to create a stablecoin payment link that can be shared with users to facilitate on-chain stablecoin payments.\
A payment link includes key information such as the payment amount, currency, wallet, and expiration time. Users can initiate payments through the link within its validity period.

* Once the user completes the on-chain transfer, a corresponding payment order is automatically generated
* Payment links are strictly bound to the merchant and wallet
* Expired payment links are no longer usable

📌 For the currently supported blockchain networks and cryptocurrencies, please refer to the following list.

<table data-header-hidden><thead><tr><th valign="top"></th><th valign="top"></th><th valign="top"></th></tr></thead><tbody><tr><td valign="top">Currency</td><td valign="top">Coin ID</td><td valign="top">Network / Standard</td></tr><tr><td valign="top">USDT</td><td valign="top">2</td><td valign="top">Binance Smart Chain (BEP20)</td></tr><tr><td valign="top">USDT</td><td valign="top">2</td><td valign="top">Ethereum (ERC20)</td></tr><tr><td valign="top">USDT</td><td valign="top">2</td><td valign="top">Polygon (POS)</td></tr><tr><td valign="top">USDT</td><td valign="top">2</td><td valign="top">Solana (Mainnet)</td></tr><tr><td valign="top">USDT</td><td valign="top">2</td><td valign="top">TRON (TRC20)</td></tr><tr><td valign="top">USDC</td><td valign="top">3</td><td valign="top">Ethereum (ERC20)</td></tr><tr><td valign="top">USDC</td><td valign="top">3</td><td valign="top">Polygon (POS)</td></tr><tr><td valign="top">USDC</td><td valign="top">3</td><td valign="top">Solana (Mainnet)</td></tr></tbody></table>

***

* **Request Header: X-BH-TOKEN: `******`**
* **Request Header: Content-Type: `application/json`**
* **Request Method: `POST`**
* **Request Path: `/v2/payments/link`**
* **Authorization Required:** Yes

***

### Request Parameters

The request body should include the following parameters:

* userId: User identifier.
* merchantId: Merchant ID (required).
* amount: Payment amount (required).
* currency: Payment currency (required).
* walletId: Wallet ID (required).
* reference: Reference number for order tracking (required).
* expireSeconds: Expiration time in seconds (default: 1).

***

### Request Example

```json
{
  "userId": 1,
  "merchantId": 1,
  "amount": 100.00,
  "currency": "USDT",
  "walletId": 1,
  "reference": "INV-123456",
  "expireSeconds": 123
}
```

***

### Response Parameters

The response will contain the following parameters:

* linkId: Payment link identifier.
* paymentLink: Generated payment URL.

***

### Response Example

```json
{
  "code": 200,
  "msg": "SUCCESS",
  "data": {
    "linkId": 1,
    "paymentLink": "https://example.com/pay/123456"
  }
}
```

***

### Notes

* The `walletId` must belong to the specified merchant.
* The generated `paymentLink` can be shared with users to initiate on-chain stablecoin payments.
* Once the payment is completed on-chain, a corresponding payment order will be automatically generated by the system.
* Expired payment links cannot be used to initiate new payments.


---

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