> ## Documentation Index > Fetch the complete documentation index at: https://docs.caratuva.com/llms.txt > Use this file to discover all available pages before exploring further. # Payment links > What your buyer sees on pay.caratuva.com, and how it gets them from invoice to paid. 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. ## What the link looks like ``` https://pay.caratuva.com/r/ ``` 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. ## What the buyer sees ### 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. ### 2. Email magic-link 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. ### 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](/buyer-kyc) for what we ask for. ### 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. ### 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. ## 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. ## 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. ## 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. ## 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. ## Failure modes What buyers see when something goes wrong: | What happened | What 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](/api-reference/webhooks). ## 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.