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A payment link is the URL Caratuva generates for every approved invoice. It points to a hosted payment page on pay.caratuva.com that walks your buyer from “I owe $12,500” to “paid” — without installing anything, creating a Caratuva account, or holding a wallet. You can deliver the link by:
  • The dashboard’s “Invite buyer” button, which sends an email magic-link from Caratuva.
  • Your own channel — CRM, ERP, WhatsApp, in-app message. Copy the link from the invoice detail page.
Both paths land the buyer on the same hosted page. 
https://pay.caratuva.com/r/<publicId>
The publicId is unguessable. The page is safe to share through any channel — it doesn’t grant access on its own. To actually pay, the buyer must verify ownership of the email address on the invoice.

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What the buyer sees

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1. The invoice summary

The landing page renders:
  • Your trade name and logo (if one is on file for your organization).
  • The invoice header, amount, and currency.
  • The line items and any notes you wrote.
  • A “Sign in to pay” call-to-action.
If the buyer arrives without a session, they see the summary in read-only mode and click through to sign in. The buyer enters the email address the invoice was addressed to. Caratuva emails them a one-time sign-in link that expires in 15 minutes and can be used once. Clicking the link signs them in and forwards them to the next step in their flow — identity verification, payment, or tracking, depending on where they are (it doesn’t return them to the summary page). The session is a 30-day httpOnly cookie scoped to pay.caratuva.com. If the email doesn’t match the invoice’s buyer email, the sign-in request is rejected immediately — no magic-link email is sent and the buyer sees an error on the sign-in form. This prevents anyone forwarded the link from gaining access.

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3. KYC (first time only)

If this is the buyer’s first Caratuva payment, they walk through identity verification. KYC is mandatory on every payment surface — there is no skip path, even for very small amounts or for invoices created via the API. A returning buyer who has already verified — including from another seller’s invoice — reuses their existing KYC and skips this step. They typically pay in seconds. See Buyer KYC for what we ask for.

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4. Pay (FX quote + bank transfer)

On a single page, the buyer picks a sending currency and a bank rail (ACH, wire, or SEPA — card is not currently offered), then locks an FX quote: exactly how much they pay in their currency, the FX rate, and any fees. The locked quote has a 10-minute TTL — if the buyer waits too long, they lock a fresh quote (which may differ). After confirming, the buyer is shown bank-transfer instructions (bank name, account number, routing/IBAN/SWIFT, and a reference code) and pays from their own bank. Once those funds arrive, we transfer them across borders and run the BRL payout to your registered PIX key.

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5. Confirmation

When collection is complete, the buyer is redirected to your returnUrl (if you set one when creating the invoice). Otherwise they see a Caratuva confirmation page with the invoice receipt. The seller-side timeline keeps moving from there — fiat_received, offramp_pending, settled — all asynchronously, with no buyer involvement. The buyer sees their part of the job as done as soon as their funds are collected.

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Branding

The buyer page shows your organization’s trade name (in the header and the email magic-link template) and its logo, when one is on file. Configuring the logo or a brand color isn’t yet self-service in the dashboard — contact support to set them up. We deliberately keep the rest of the page consistent across sellers — that consistency is what makes returning buyers trust the page. They’ve been here before.

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Languages

The page auto-detects the buyer’s browser language and serves Portuguese, English, or Spanish (more languages on the way). The buyer can switch from a footer dropdown.

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Mobile

The page works on any modern phone or tablet. KYC document capture uses the device camera directly — buyers do not need to email screenshots.

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What’s NOT on the page

To keep the buyer focused on paying:
  • No advertising, upsells, or cross-promotion.
  • No links out to Caratuva marketing.
  • No request for the buyer to “create an account” — they already have one, by virtue of clicking the link.

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Failure modes

What buyers see when something goes wrong:
What happenedWhat the buyer sees
Magic-link expired”This link expired. Request a new one.”
Email mismatch”This invoice was sent to a different address.”
KYC rejected”We couldn’t verify your identity. Contact support.”
FX quote expired”This quote expired. Lock a fresh one to continue.”
Invoice cancelled by seller”This invoice was cancelled. Contact the seller.”
Invoice expired”This invoice expired on [date]. Contact the seller.”
All of these also fire a webhook to your ERP — see Webhooks.

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Customizing further

Most sellers don’t need to customize beyond branding. If you want a fully embedded checkout — your domain, your styling, your back-button behavior — talk to us about the embedded checkout option.