Feature

OpenAlly Payments: send a link, track the order, keep refunds owner-only

OpenAlly Payments creates shareable payment links and orders, lists and reconciles incoming money, and keeps capture and refunds under owner control.

By Matterward LabsPublished September 2, 2026Reviewed September 2, 20267 min read

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Disclosure: Matterward Labs makes OpenAlly. Product claims come from the OpenAlly catalogue, reviewed 2026-09-02. Quoted lines come from the sources listed below.

When a customer says yes in a chat, you still need a way to get paid, a durable record of the order, and a way to match the money when it lands.

OpenAlly Payments covers that administrative stretch. An assistant can generate shareable links, raise orders, and reconcile arrivals. Capture and refund remain with you.

01 / Decision

Short answer

In brief: Payments is an OpenAlly app and a matching skill. The app holds the provider keys. The skill is the leave you give one agent to use that app. Together they generate shareable payment links and orders, track incoming payments, and leave capture and refunds under exclusive owner control. Razorpay is the first provider, not the only one there will be. The Android app is on Google Play. The catalogue lists the Payments skill for Android, iPhone and Mac.

Illustrated guide figure in gold glasses pointing at a phone that shows a chain-link icon, with an arrow to a card holding a green check and a gold coin — The short shape of Payments: a shareable link on a phone, then a settled payment. Capture and refund stay off this picture.

02 / App and skill

The Payments app and the Payments skill

Payments is the OpenAlly app that connects a payment provider. The public tagline is: create payment links, track orders, and reconcile incoming money.

The Payments skill is the leave you give one agent. Its public line is: create payment links and orders, track incoming payments, and keep capture or refunds under owner control.

An agent is an assistant you set up for a job. Provider configuration lives in the Payments app. You do not type keys at an agent during a conversation. Give the skill to the agent that talks to buyers. Keep it off the agent that only files notes.

Illustrated guide figure between a phone list of link, cart, and bag rows and a floating card with a wand and a small gear — The Payments app holds the provider connection. The matching skill is the leave you give one agent to use that app.

03 / Payment links

Send a shareable payment link

A payment link is a web address you send so someone can pay you. You do not have to build a checkout page. Razorpay says payment links "let you accept payments without a website or app". The same page says you "Generate a unique link from your Dashboard or via APIs and share it with customers via email, SMS, or social media".

In OpenAlly you ask in plain words after the keys are in the app. For example, a repair shop can finish a visit in chat, ask for a link, and send it while the buyer is still there. Catalogue starters include "Create a 500 rupee payment link for" and "List my recent payment links".

Illustrated guide figure pointing at a phone while a hand holds a payment card with a rupee mark, a blank amount field, and a green confirm bar, joined by a chain-link — A payment link is an address you send so someone can pay. You do not have to build a checkout page first.

04 / Reconciling

List orders and reconcile incoming money

An order is the record of what they bought and what they owed, next to the link that should collect it.

Reconcile means match money that arrived with the orders you expected. Your assistant can list recent payments and links as structured data (amount, status, order), then tell you which orders are still open.

For example, a stall can take orders all weekend. On Monday you ask for the last 10 payments and see which order never paid.

Illustrated guide figure kneeling to place a check token on one of three order tiles, a shopping bag, a shirt, and a gift, joined in a dashed cycle — Reconcile means match money that arrived with the orders you expected. The tiles stand for those records, not live shop totals.

05 / Owner control

Capture and refund stay with the owner

Capture takes the money. Refund sends it back. OpenAlly treats both as owner-only. Making a link, making an order, listing, and matching are normal work for an agent.

Action	What it does	Who does it
Create a payment link	Makes a shareable link the buyer pays on	Your agent, when you ask
Create an order	Records what the payment is for	Your agent, when you ask
List payments and links	Shows recent payments and links	Your agent, when you ask
Reconcile against orders	Matches money to the orders you expected	Your agent, when you ask
Capture a payment	Moves money in	Owner only, in Payments
Refund a payment	Sends money back	Owner only, in Payments

Create a payment link

What it does: Makes a shareable link the buyer pays on
Who does it: Your agent, when you ask

Create an order

What it does: Records what the payment is for
Who does it: Your agent, when you ask

List payments and links

What it does: Shows recent payments and links
Who does it: Your agent, when you ask

Reconcile against orders

What it does: Matches money to the orders you expected
Who does it: Your agent, when you ask

Capture a payment

What it does: Moves money in
Who does it: Owner only, in Payments

Refund a payment

What it does: Sends money back
Who does it: Owner only, in Payments

Illustrated guide figure holding a gold key in front of a barred gate, with a checkmark control and a reverse-arrow control visible behind the bars — Capture takes the money. Refund sends it back. Both stay owner-only, behind a gate an agent cannot open.

06 / Workspace

Shop till and household, same workspace

Payments sits on the shop side of one OpenAlly workspace. Home tools can live in the same account. The workspace guide tells that wider story. Here the point is smaller. You configure the payment provider once inside Payments. Only agents granted the Payments skill can afterwards reach that merchant connection.

Illustrated guide figure seating a bank-building token at the start of a winding path that continues past a link, a document, and a refund mark — Razorpay is the first provider on the path, not a claim that it will be the only one. Keys go in the Payments app, not into a chat.

07 / Platforms

Android first, Mac for the long list

Most payment links originate on a telephone, inside the conversation that requested one. Get Android from Google Play. Use the Mac page for the Mac app, and the download page for the rest. The catalogue lists iPhone beside Android and Mac; that listing is not an App Store launch announcement.

A larger Mac screen helps when you compare a month of orders against a month of payments, which is awkward to do in one hand.

Illustrated guide figure walking a teal path with a chain-link disc, a phone panel on the left and a desk with a list on a monitor on the right — Most links start on a telephone. A larger Mac screen helps when you compare a month of orders against a month of payments.

Android Connect Razorpay unlock sheet listing what the assistant may do, with a 500 rupee prompt chip and Refund a payment — The Connect Razorpay unlock sheet on Android: owner sign-off, UPI, and a 500 rupee prompt. This is not a live orders ledger.

Mac Payments Features tab with cards for Payment Links, Orders, Payments and Refunds, each with Ask AI — Features cards on Mac, including owner approval on refunds. This is not the Connect Razorpay unlock sheet and not a live ledger of amounts.

08 / Owner control

What the owner still does

Put provider keys in the Payments app.
Choose which agents get the Payments skill.
Capture a payment.
Refund a payment.
Talk to the provider if their side fails.

09 / Method

How this was checked

The methodology is a catalogue read. Product lines above come from the OpenAlly catalogue for the Payments app and skill, read on 2 September 2026. If this page and the catalogue disagree, trust the catalogue. Razorpay wording was checked on the same day against its Payment Links docs.

[ORIGINAL DATA] The table was built for this page by lining up Payments with Sales and Invoicing. No one catalogue card shows that grid.
[UNIQUE INSIGHT] Treating money in and money out as separate leaves is a reading of the owner-only line, not a quote.

10 / Next

What to read next

See the Payments app and the Payments skill. For the longer sale, Sales quotes a cart, takes an order, sends a payment option, issues an invoice, and reconciles when money lands.

About the author: Matterward Labs makes OpenAlly. It builds AI software, apps, and the systems that run them. This article was reviewed by Matterward Labs on 2 September 2026. For press, a bug, or other contact, use the inbox on that site.

11 / Chapter

Declared sources

Sources and references

These public pages support the product facts, technical specifications, background, and reference measurements in this article. Details were checked on the review date shown above.

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