diff --git a/inc/models/class-payment.php b/inc/models/class-payment.php
index 082168c53..539df7d69 100644
--- a/inc/models/class-payment.php
+++ b/inc/models/class-payment.php
@@ -800,7 +800,11 @@ public function get_payment_url() {
 			$args['checkout_form'] = 'wu-pay-invoice';
 		}
 
-		return add_query_arg($args, wu_get_registration_url());
+		$payment_url = add_query_arg($args, wu_get_registration_url());
+
+		$magic_link = \WP_Ultimo\SSO\Magic_Link::get_instance()->generate_payment_magic_link($this, $payment_url);
+
+		return $magic_link ?: $payment_url;
 	}
 
 	/**
diff --git a/inc/sso/class-magic-link.php b/inc/sso/class-magic-link.php
index f5a9eded3..caf6468c8 100644
--- a/inc/sso/class-magic-link.php
+++ b/inc/sso/class-magic-link.php
@@ -48,6 +48,14 @@ class Magic_Link {
 	 */
 	const TOKEN_EXPIRATION = 600;
 
+	/**
+	 * Claim expiration time in seconds.
+	 *
+	 * @since 2.16.2
+	 * @var int
+	 */
+	const CLAIM_EXPIRATION = 30;
+
 	/**
 	 * Initialize hooks.
 	 *
@@ -152,6 +160,64 @@ public function generate_magic_link($user_id, $site_id, $redirect_to = '') {
 		return apply_filters('wu_magic_link_url', $magic_link, $user_id, $site_id, $redirect_to);
 	}
 
+	/**
+	 * Generate a magic link for a customer to pay an outstanding payment.
+	 *
+	 * Payment links target the network main site, where customers are not
+	 * necessarily site members. Access is therefore bound to payment ownership
+	 * rather than normal site membership.
+	 *
+	 * @since 2.16.2
+	 *
+	 * @param \WP_Ultimo\Models\Payment $payment    Payment to be paid.
+	 * @param string                    $redirect_to Exact payment checkout URL.
+	 * @return string|false The magic link URL or false on failure.
+	 */
+	public function generate_payment_magic_link($payment, $redirect_to) {
+
+		if ( ! $this->is_enabled() || ! $payment instanceof \WP_Ultimo\Models\Payment || ! $payment->is_payable() ) {
+			return false;
+		}
+
+		$user_id = get_current_user_id();
+
+		if ( ! $user_id || ! $this->verify_payment_access($payment, $user_id, $redirect_to) ) {
+			return false;
+		}
+
+		$target_host   = wp_parse_url($redirect_to, PHP_URL_HOST);
+		$target_scheme = wp_parse_url($redirect_to, PHP_URL_SCHEME);
+		$current_host  = wp_parse_url(home_url('/'), PHP_URL_HOST);
+
+		if ( ! $target_host || 'https' !== strtolower((string) $target_scheme) || $target_host === $current_host ) {
+			return false;
+		}
+
+		$site_id = wu_get_main_site_id();
+		$token   = $this->generate_token();
+
+		$token_data = [
+			'user_id'     => $user_id,
+			'site_id'     => $site_id,
+			'redirect_to' => $redirect_to,
+			'created_at'  => time(),
+			'user_agent'  => $this->get_user_agent(),
+			'ip_address'  => $this->get_client_ip(),
+			'purpose'     => 'payment',
+			'payment_id'  => $payment->get_id(),
+		];
+
+		$transient_key = self::TRANSIENT_PREFIX . $token;
+
+		wu_switch_blog_and_run(
+			fn() => set_transient($transient_key, $token_data, self::TOKEN_EXPIRATION)
+		);
+
+		$magic_link = add_query_arg(self::TOKEN_QUERY_ARG, $token, $redirect_to);
+
+		return apply_filters('wu_magic_link_url', $magic_link, $user_id, $site_id, $redirect_to);
+	}
+
 	/**
 	 * Generate a magic link for cross-network authentication.
 	 *
@@ -246,6 +312,41 @@ protected function verify_user_site_access($user_id, $site_id) {
 		return false;
 	}
 
+	/**
+	 * Verify that a user owns a payable payment and its fixed checkout URL.
+	 *
+	 * @since 2.16.2
+	 *
+	 * @param \WP_Ultimo\Models\Payment $payment    Payment being accessed.
+	 * @param int                       $user_id     User ID to authenticate.
+	 * @param string                    $redirect_to Payment checkout URL.
+	 * @return bool True when access is allowed, false otherwise.
+	 */
+	protected function verify_payment_access($payment, $user_id, $redirect_to) {
+
+		if ( ! $payment instanceof \WP_Ultimo\Models\Payment || ! $payment->is_payable() ) {
+			return false;
+		}
+
+		$customer = $payment->get_customer();
+
+		if ( ! $customer || (int) $customer->get_user_id() !== (int) $user_id ) {
+			return false;
+		}
+
+		$args = [
+			'payment' => $payment->get_hash(),
+		];
+
+		if ( ! $payment->get_membership_id() ) {
+			$args['checkout_form'] = 'wu-pay-invoice';
+		}
+
+		$expected_url = add_query_arg($args, wu_get_registration_url());
+
+		return $expected_url === $redirect_to;
+	}
+
 	/**
 	 * Handle magic link token verification and login.
 	 *
@@ -280,8 +381,15 @@ public function handle_magic_link(): void {
 			return;
 		}
 
-		// Verify user still has access to the site.
-		if ( ! $this->verify_user_site_access($user_id, $site_id) ) {
+		if ( 'payment' === ($token_data['purpose'] ?? '') ) {
+			$payment = wu_get_payment((int) ($token_data['payment_id'] ?? 0));
+
+			if ( ! $payment || ! $this->verify_payment_access($payment, $user_id, $redirect_to) ) {
+				$this->handle_invalid_token('User does not have access to this payment.');
+				return;
+			}
+		} elseif ( ! $this->verify_user_site_access($user_id, $site_id) ) {
+			// Verify user still has access to the site.
 			$this->handle_invalid_token('User does not have access to this site.');
 			return;
 		}
@@ -324,9 +432,39 @@ public function handle_magic_link(): void {
 	protected function verify_and_consume_token($token) {
 
 		$transient_key = self::TRANSIENT_PREFIX . $token;
+		$claim_key     = $transient_key . '_claim';
 
 		$token_data = wu_switch_blog_and_run(
-			fn() => get_transient($transient_key)
+			function () use ($claim_key, $transient_key) {
+
+				$token_data = get_transient($transient_key);
+
+				if ( false === $token_data ) {
+					return false;
+				}
+
+				if ( ! add_option($claim_key, time(), '', false) ) {
+					$claim_created_at = (int) get_option($claim_key, 0);
+
+					if ( time() - $claim_created_at <= self::CLAIM_EXPIRATION ) {
+						return false;
+					}
+
+					delete_option($claim_key);
+
+					if ( ! add_option($claim_key, time(), '', false) ) {
+						return false;
+					}
+				}
+
+				$token_data = get_transient($transient_key);
+
+				if ( false === $token_data ) {
+					delete_option($claim_key);
+				}
+
+				return $token_data;
+			}
 		);
 
 		if ( false === $token_data ) {
@@ -338,14 +476,22 @@ protected function verify_and_consume_token($token) {
 		if ( ! $this->verify_security_context($token_data) ) {
 			wu_log_add('magic-link', sprintf('Security context mismatch for token: %s', $token));
 			wu_switch_blog_and_run(
-				fn() => delete_transient($transient_key)
+				function () use ($claim_key, $transient_key) {
+
+					delete_transient($transient_key);
+					delete_option($claim_key);
+				}
 			);
 			return false;
 		}
 
-		// Delete the transient to ensure one-time use.
+		// Delete the token before releasing its atomic consumption claim.
 		wu_switch_blog_and_run(
-			fn() => delete_transient($transient_key)
+			function () use ($claim_key, $transient_key) {
+
+				delete_transient($transient_key);
+				delete_option($claim_key);
+			}
 		);
 
 		// Log successful authentication for audit trail.
diff --git a/inc/ui/class-checkout-element.php b/inc/ui/class-checkout-element.php
index 0d22c8c60..a228ef780 100644
--- a/inc/ui/class-checkout-element.php
+++ b/inc/ui/class-checkout-element.php
@@ -1009,15 +1009,12 @@ public function output_form($atts, $content = null) {
 				// Translators: Placeholder receives the customer display name
 				printf(esc_html__('Hi %s. You have a pending payment for your membership!', 'ultimate-multisite'), esc_html($customer->get_display_name()));
 
-				$payment_url = add_query_arg(
-					[
-						'payment' => $pending_payment->get_hash(),
-					],
-					wu_get_registration_url()
-				);
+				$payment_url = $pending_payment->get_payment_url();
 
-				// Translators: The link to registration url with payment hash
-				echo '<br>' . wp_kses_post(sprintf(__('Click <a href="%s">here</a> to pay.', 'ultimate-multisite'), esc_attr($payment_url)));
+				if (false !== $payment_url) {
+					// translators: %s is the payment URL.
+					echo '<br>' . wp_kses_post(sprintf(__('Click <a href="%s">here</a> to pay.', 'ultimate-multisite'), esc_attr($payment_url)));
+				}
 
 				echo '</p>';
 
diff --git a/tests/WP_Ultimo/SSO/Magic_Link_Test.php b/tests/WP_Ultimo/SSO/Magic_Link_Test.php
index 802af35be..c99da11f5 100644
--- a/tests/WP_Ultimo/SSO/Magic_Link_Test.php
+++ b/tests/WP_Ultimo/SSO/Magic_Link_Test.php
@@ -17,6 +17,34 @@ private function get_instance() {
 		return Magic_Link::get_instance();
 	}
 
+	/**
+	 * Create a payable payment owned by a new customer.
+	 *
+	 * @return array{customer: \WP_Ultimo\Models\Customer, payment: \WP_Ultimo\Models\Payment, user_id: int}
+	 */
+	private function create_payable_payment() {
+
+		$user_id  = self::factory()->user->create();
+		$customer = wu_create_customer(['user_id' => $user_id]);
+
+		$this->assertNotWPError($customer);
+
+		$payment = wu_create_payment(
+			[
+				'customer_id' => $customer->get_id(),
+				'currency'    => 'USD',
+				'subtotal'    => 25,
+				'total'       => 25,
+				'status'      => 'pending',
+				'gateway'     => 'manual',
+			]
+		);
+
+		$this->assertNotWPError($payment);
+
+		return compact('customer', 'payment', 'user_id');
+	}
+
 	public function set_up() {
 
 		parent::set_up();
@@ -221,6 +249,108 @@ public function test_generate_magic_link_invalid_user() {
 		$this->assertFalse($result);
 	}
 
+	/**
+	 * Test payment magic links bind a customer to a single payment checkout URL.
+	 */
+	public function test_generate_payment_magic_link_for_owner() {
+
+		$objects     = $this->create_payable_payment();
+		$payment     = $objects['payment'];
+		$redirect_to = add_query_arg(
+			[
+				'payment'       => $payment->get_hash(),
+				'checkout_form' => 'wu-pay-invoice',
+			],
+			wu_get_registration_url()
+		);
+
+		wp_set_current_user($objects['user_id']);
+
+		$site_id = self::factory()->blog->create();
+		switch_to_blog($site_id);
+		update_option('home', 'https://customer.example.test');
+
+		try {
+			$magic_link = $payment->get_payment_url();
+		} finally {
+			restore_current_blog();
+		}
+
+		$this->assertIsString($magic_link);
+		$this->assertStringContainsString($payment->get_hash(), $magic_link);
+		$this->assertSame($redirect_to, remove_query_arg(Magic_Link::TOKEN_QUERY_ARG, $magic_link));
+
+		parse_str((string) wp_parse_url($magic_link, PHP_URL_QUERY), $query_args);
+		$this->assertArrayHasKey(Magic_Link::TOKEN_QUERY_ARG, $query_args);
+
+		$token_data = wu_switch_blog_and_run(
+			fn() => get_transient(Magic_Link::TRANSIENT_PREFIX . $query_args[ Magic_Link::TOKEN_QUERY_ARG ])
+		);
+
+		$this->assertSame('payment', $token_data['purpose']);
+		$this->assertSame($objects['user_id'], $token_data['user_id']);
+		$this->assertSame($payment->get_id(), $token_data['payment_id']);
+		$this->assertSame($redirect_to, $token_data['redirect_to']);
+
+		$consume = new \ReflectionMethod($this->get_instance(), 'verify_and_consume_token');
+
+		if (PHP_VERSION_ID < 80100) {
+			$consume->setAccessible(true);
+		}
+
+		$this->assertIsArray($consume->invoke($this->get_instance(), $query_args[ Magic_Link::TOKEN_QUERY_ARG ]));
+		$this->assertFalse($consume->invoke($this->get_instance(), $query_args[ Magic_Link::TOKEN_QUERY_ARG ]));
+	}
+
+	/**
+	 * Test payment magic links reject users who do not own the payment.
+	 */
+	public function test_generate_payment_magic_link_rejects_non_owner() {
+
+		$objects = $this->create_payable_payment();
+		$payment = $objects['payment'];
+
+		wp_set_current_user(self::factory()->user->create());
+
+		$this->assertFalse(
+			$this->get_instance()->generate_payment_magic_link($payment, $payment->get_payment_url())
+		);
+	}
+
+	/**
+	 * Test payment access rejects a modified checkout URL.
+	 */
+	public function test_verify_payment_access_rejects_modified_redirect() {
+
+		$objects     = $this->create_payable_payment();
+		$payment     = $objects['payment'];
+		$redirect_to = add_query_arg('payment', $payment->get_hash(), wu_get_registration_url());
+		$redirect_to = add_query_arg('redirect_to', 'https://attacker.example.test', $redirect_to);
+		$ref         = new \ReflectionMethod($this->get_instance(), 'verify_payment_access');
+
+		if (PHP_VERSION_ID < 80100) {
+			$ref->setAccessible(true);
+		}
+
+		$this->assertFalse($ref->invoke($this->get_instance(), $payment, $objects['user_id'], $redirect_to));
+	}
+
+	/**
+	 * Test payment magic links reject payments that can no longer be paid.
+	 */
+	public function test_generate_payment_magic_link_rejects_non_payable_payment() {
+
+		$objects = $this->create_payable_payment();
+		$payment = $objects['payment'];
+		$payment->set_status('completed');
+
+		wp_set_current_user($objects['user_id']);
+
+		$this->assertFalse(
+			$this->get_instance()->generate_payment_magic_link($payment, add_query_arg('payment', $payment->get_hash(), wu_get_registration_url()))
+		);
+	}
+
 	/**
 	 * Test handle_magic_link bails with no token.
 	 */
diff --git a/views/dashboard-widgets/invoices.php b/views/dashboard-widgets/invoices.php
index 1ee6282ed..da69491ad 100644
--- a/views/dashboard-widgets/invoices.php
+++ b/views/dashboard-widgets/invoices.php
@@ -7,7 +7,7 @@
 defined('ABSPATH') || exit;
 
 ?>
-<div class="wu-styling <?php echo esc_attr($className); ?>">
+<div class="wu-styling <?php echo esc_attr($className); // phpcs:ignore WordPress.NamingConventions.ValidVariableName.VariableNotSnakeCase ?>">
 
 	<div class="<?php echo esc_attr(wu_env_picker('', 'wu-widget-inset')); ?>">
 
@@ -52,9 +52,11 @@
 					esc_html__('Download Invoice', 'ultimate-multisite')
 				);
 
-				$payment_column = $payment->get_status() === 'pending' ? [
+				$payment_url = $payment->get_payment_url();
+
+				$payment_column = $payment_url ? [
 					'pay_now' => [
-						'url'   => add_query_arg(['payment' => $payment->get_hash()], wu_get_registration_url()),
+						'url'   => $payment_url,
 						'icon'  => 'dashicons-wu-credit-card wu-align-middle wu-mr-1',
 						'label' => esc_html__('Go to payment', 'ultimate-multisite'),
 						'value' => esc_html__('Pay Now', 'ultimate-multisite'),