# 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.

Canonical: https://openally.ai/blog/payments-links-owner-only-refunds
Markdown: https://openally.ai/blog/payments-links-owner-only-refunds.md
Published: 2026-09-02
Reviewed: 2026-09-02
Author: Matterward Labs (https://matterwardlabs.com/)
Category: Feature
Keywords: payment links for a small business; track orders and reconcile payments; owner-only refunds; Razorpay payment provider; OpenAlly Payments app; reconcile incoming money
Audience: Shop owners who send payment links and chase what has not arrived; People who are paid over chat and want a record of it; Owners who keep capture and refunds in their own hands
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.

## 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](https://play.google.com/store/apps/details?id=openally.ai). The catalogue lists the Payments skill for Android, iPhone and Mac.

> Figure: **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. (light: https://openally.ai/images/blog/miro/miro-payments-short-answer.webp; dark: https://openally.ai/images/blog/miro/miro-payments-short-answer-dark.webp)

## 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.

> Figure: **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. (light: https://openally.ai/images/blog/miro/miro-payments-app-and-skill.webp; dark: https://openally.ai/images/blog/miro/miro-payments-app-and-skill-dark.webp)

## 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](https://razorpay.com/docs/payments/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".

> Figure: **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. (light: https://openally.ai/images/blog/miro/miro-payments-shareable-link.webp; dark: https://openally.ai/images/blog/miro/miro-payments-shareable-link-dark.webp)

## 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.

> Figure: **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. (light: https://openally.ai/images/blog/miro/miro-payments-orders-reconcile.webp; dark: https://openally.ai/images/blog/miro/miro-payments-orders-reconcile-dark.webp)

## 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.

> [!IMPORTANT] Money movement stays with the owner
> An agent can create payment links and orders, list recent payments and links, and reconcile them against your orders. Capture and refund are owner-only. You do those in the Payments app. An agent cannot do them for you.

| 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 |

> Figure: **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. (light: https://openally.ai/images/blog/miro/miro-payments-owner-only-capture-refund.webp; dark: https://openally.ai/images/blog/miro/miro-payments-owner-only-capture-refund-dark.webp)

## 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](/blog/one-workspace-for-shop-and-home) 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.

> Figure: **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. (light: https://openally.ai/images/blog/miro/miro-payments-razorpay-first.webp; dark: https://openally.ai/images/blog/miro/miro-payments-razorpay-first-dark.webp)

## 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](https://play.google.com/store/apps/details?id=openally.ai). Use [the Mac page](/download/mac) for the Mac app, and [the download page](/download) 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.

> Figure: **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. (light: https://openally.ai/images/blog/miro/miro-payments-android-mac.webp; dark: https://openally.ai/images/blog/miro/miro-payments-android-mac-dark.webp)

> Figure: **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. (light: https://openally.ai/images/blog/ui/workspace-android-payments.webp; dark: https://openally.ai/images/blog/ui/workspace-android-payments-dark.webp)

> Figure: **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. (light: https://openally.ai/images/blog/ui/workspace-mac-payments.webp; dark: https://openally.ai/images/blog/ui/workspace-mac-payments-dark.webp)

## 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.

## 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.

## What to read next

See the [Payments app](/features/apps/payments) and the [Payments skill](/features/skills/payments). For the longer sale, [Sales](/features/skills/sales) quotes a cart, takes an order, sends a payment option, issues an invoice, and reconciles when money lands.

About the author: [Matterward Labs](https://matterwardlabs.com/) 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.

## Declared sources

- [OpenAlly on Google Play](https://play.google.com/store/apps/details?id=openally.ai)
- [Razorpay Docs: Payment Links](https://razorpay.com/docs/payments/payment-links/)
- [Matterward Labs](https://matterwardlabs.com/)

## Declared sources

- [OpenAlly on Google Play](https://play.google.com/store/apps/details?id=openally.ai)
- [Razorpay Docs: Payment Links](https://razorpay.com/docs/payments/payment-links/)
- [Matterward Labs](https://matterwardlabs.com/)