Host to Host (H2H) - PCX Developer Docs

H2H integration returns a direct payment link that can be shared with the customer via SMS, email, or embedded in your application. The customer opens the link and completes the payment at their bank. No hosted UI redirect is required on your side. Use H2H when you want full control over how and where the payment link is delivered — mobile apps, SMS campaigns, email flows, or any channel where a redirect is not practical.

How it works

Your server calls POST /v1/payments-init/initiate with pay_by_link: true in metadata
PCX returns a payment_link URL
You deliver the link to the customer via your chosen channel (SMS, email, push, in-app)
The customer opens the link and completes the payment at their bank
PCX sends a webhook to your server confirming the payment status

When to use H2H

Scenario	Recommended integration
Mobile app with custom payment flow	H2H
SMS or email payment campaigns	H2H
Channels where a browser redirect is impractical	H2H
Embedded hosted payment UI	iFrame Integration

Integration steps

Initiate the payment

Call the PCX payment initiation endpoint with pay_by_link: true in the metadata. PCX returns a payment_link URL. See Initiating a Payment.

Deliver the link

Send the payment_link to the customer via SMS, email, push notification, or in-app message. The link expires after 24 hours.

Receive confirmation

PCX sends a server-to-server webhook to your registered endpoint when the payment status changes. See Payment Status & Webhooks.

​How it works

​When to use H2H

​Integration steps

How it works

When to use H2H

Integration steps