The Lydia app allows sending money to a recipient via a secure payment link, without needing to know their personal information. The recipient can then retrieve the money by opening the link, either from a phone with one of the Lydia or Sumeria apps, in which case the link will open directly in the app, or by entering their bank details on a secure Lydia web page.

The link is shared by the customer through their chosen method, for example: Messages, email, WhatsApp, Messenger, etc.

Creating a payment link

To create a payment link, the customer selects the "Via Lydia link to send" option when choosing the recipient. They then enter the amount and the reason for the transfer, and choose their payment method.

The amount is debited as soon as the link is created and remains pending until the recipient retrieves the money or the link expires.

Securing the link with the recipient's name

To secure a payment, or if there are concerns about the link’s confidentiality, the payer can enter the recipient’s exact first and last name(s) before sending it. This ensures that only that person can collect the funds. The payer must therefore check that the information entered is correct. Without this option, Lydia Solutions has no way of verifying that the funds are being sent to the intended recipient.

Click here to learn more about securing the link with the recipient's name >

Sharing the link with the recipient

Once the link is created, the customer shares it directly with the intended recipient. The link can be sent, for example, by SMS, email, WhatsApp, Messenger, or any other messaging app.

Tracking transactions

From the app's history, the customer can view the payment status and resend the link if necessary.

Link expiration

The payment link is valid for 7 days. If the recipient does not retrieve the money within this period, the link expires and can no longer be used. The money is refunded to the original payment method when possible, or to the customer's Lydia wallet.

How the recipient can receive the money

The recipient receives the money via the Lydia app or through a web page by entering an IBAN that is compatible with the service. They see the payment details before accepting it. The link may not work if it is expired, already used, canceled, or if the recipient’s first and/or last name(s) or IBAN do not match.

Click here to learn more about how the recipient receives the funds >