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SMS Pay
What the customer needs
A phone that can open a link
Cash handling for your team
None
Works when the customer is elsewhere
Yes
Customer can pay by card
Yes
Matching payments to orders
Automatic, each request has its own reference
SMS Pay
Get paid with a text message
Enter an amount and a mobile number. Your customer receives an SMS with a secure payment link and pays by card on their own phone, wherever they are.
No app to install
The request is an ordinary text message that opens a checkout page in the phone browser.
No hardware
Take card payments at the doorstep, on site or over the phone with nothing extra to carry.
Secure by design
Cards are entered on the OnePay hosted page and verified with 3D Secure.
Why SMS Pay
Card payments, one text away
SMS Pay turns a mobile number into a checkout. It suits any sale where the customer is not standing at your counter.
Reaches every customer
Everyone reads their texts. The request lands in the default messages app, so customers who never installed a wallet or banking app can still pay you by card.
Collect anywhere
Take payment at the doorstep, on a job site or over a phone call. All your team needs is a login and the customer’s mobile number.
Card data stays with us
Your customer types their card on the OnePay hosted page and confirms with their bank through 3D Secure. Your staff never see or handle card numbers.
Know the moment you are paid
Every request carries its own reference and status. You get a payment notification, so the rider can hand over the parcel without calling the office.
The customer side
What your customer sees
A short, clear text. Nothing to download and nothing to learn.
1.A sender they recognise
The text arrives from OnePay, in the same messages app they already use every day.
2.Their order and the amount
The message names the customer, what the payment is for and exactly how much is due.
3.One secure link
A link unique to that request opens the OnePay checkout. It cannot be reused for another order.
How it works
From request to paid in four steps
No integration and no hardware. If you can send a text, you can take a card payment.
Step 1
Enter amount and number
In the merchant portal, type the amount, the customer’s mobile number and an order reference.
Step 2
Customer gets a text
OnePay sends an SMS with your business name, the amount and a secure link unique to that request.
Step 3
They pay on their phone
The link opens the hosted checkout. The customer enters their card and approves it with their bank.
Step 4
You are notified
The request flips to paid, you get a notification, and the funds join your next OnePay payout.
Try it
Send a request and watch it get paid
It plays by itself. Hover or tap to take over: pick an amount, press send, then tap the link on the phone. This is a demo, so no real message is sent.
New SMS request
Merchant
Mobile number
077 ••• 4567
Order #1042
LKR 4,500.00
Collected in this demo
LKR 0.00
OP
OnePay
No new messages
Features
Built for one customer or one thousand
Send a single request from the counter, bill your whole customer list, or let your own software do it.
01Single request
Send a request in under a minute
Open the merchant portal, enter the amount and the mobile number, and press send. Your cashier, rider or accounts clerk can do it with no training.
One text, any business
A request that fits how you sell
Deposits, fees, bills and orders. If you can describe it in a sentence, you can collect it by SMS.
Live tracking
Follow every request until it is paid
No more calling the customer to ask whether the transfer went through. Each request shows where it stands.
Sent
The request leaves OnePay with its own reference.
Delivered
The text has reached the customer’s phone.
Opened
The customer has tapped the link and is on the checkout.
Paid
Payment is confirmed and your team is notified.
Requests
Order #1042
SentLKR 4,500.00
Order #1041
LKR 12,800.00
Order #1040
LKR 3,250.00
Order #1039
LKR 7,900.00
Use cases
Where businesses use SMS Pay
Any sale that happens away from a checkout counter.
01DeliveryCashless at the doorstep
The rider sends a payment text on arrival and hands over the parcel once it shows as paid. No cash float to carry and no change to count.
Parcel released on payment
02Field servicesPaid before you leave site
Technicians and contractors send the bill by SMS when the job is finished, so the invoice is settled on the spot instead of chased for weeks.
Invoice settled on site
03Retail and phone ordersTake orders over a call
Confirm a phone or social media order, text the customer a payment link while you are still talking, and dispatch as soon as it is paid.
Order confirmed and paid
04Pop-up storesSell from any stall
At markets, fairs and weekend pop-ups, text the customer a payment link from your phone and hand over the purchase once it shows as paid.
Paid at the stall
05Travel and hospitalitySecure the booking deposit
Hotels, villas and tour operators send a deposit request to hold a reservation, without asking guests to read out card numbers.
Deposit received
Security
Three layers between a text and a card
Paying from a link is only useful if customers can trust it. Each request is protected at every step.
- 01 · Unique link
A link made for one request
Every text carries its own link tied to that amount and reference, so it cannot be reused for another order.
- 02 · Hosted checkout
Card details never touch your phone
The customer types their card on the OnePay hosted page, which is PCI DSS compliant. Your staff never see or store the number.
- 03 · 3D Secure
The bank confirms it is really them
Online card payments are authenticated with 3D Secure, so the cardholder approves the payment with their own bank.
Compare
SMS Pay next to the usual options
How a text request compares with collecting cash on delivery or asking for a bank transfer.
0 of 5
Cash on delivery
What the customer needs
The right cash ready at the door
Cash handling for your team
Carried, counted and handed in
Works when the customer is elsewhere
No
Customer can pay by card
No
Matching payments to orders
Cash reconciled by hand
2 of 5
Bank transfer
What the customer needs
Online banking and your account details
Cash handling for your team
None
Works when the customer is elsewhere
Yes
Customer can pay by card
No
Matching payments to orders
Manual check of the bank statement
More from OnePay
Explore other ways to get paid
Every OnePay solution runs on the same merchant account.
Ready to get paid by text?
Join Sri Lankan businesses collecting card payments from any phone with OnePay SMS Pay.