How the recipient can receive the money
The recipient can open the link from a phone or a web browser. Depending on their situation, they can retrieve the money via the Lydia app if they have an account, or from a secure web page by entering an IBAN.
The recipient can see the main payment details before retrieving the money, such as:
- the amount sent;
- the payer's name;
- the reason for the payment;
- the link status;
- the remaining time before expiration.
If the payer has secured the payment link with the recipient's name, a beneficiary verification is performed before the funds are retrieved.
For any questions, the recipient can contact customer service.
Receiving via the Lydia app
If the recipient opens the link from a phone with the Lydia app installed, the link will open directly in the app. They can:
- accept the payment and receive the money in their Lydia account;
- choose the bank account to receive the money;
- be prompted to log in to their Lydia account before continuing, then reopen the link.
Receiving via the web
If the recipient opens the link from a browser, they can retrieve the money via a secure web page. They can notably:
- enter an IBAN to receive the money by bank transfer;
- enter an email address associated with a verified Lydia account, when this option is available.
If no match is found with a Lydia account, the recipient will be redirected to the bank transfer form.
Why might a payment link not work?
A payment link may not work in the following cases:
- the link has expired;
- the link has already been used;
- the payment has been canceled or refunded;
- the recipient tries to retrieve the money with an IBAN or account that cannot be used;
- if the customer secured the link with a recipient name and that name does not match the Lydia account or IBAN used;
- the customer tries to open their own link.