Curious what you mean where you go to pay? You mean in addition to peer to peer (me sending $50 to my buddy for dinner) I should be able to checkout with the link IRL also? I'm a little confused (although that's an interesting idea). FWIW, 99% of people I know have auto-deposit on, I'm not sure how it works because I don't have it on, but I presume it means if the email matches the email/phn with your bank, it automatically deposits, so most people I Etransfer don't even ask me to put a password on (if you do I guess auto deposit doesn't work or something).
I mean that rather than (my understanding - correct if wrong) the way this works of: A generates link to pay someone $x, A (or A's bank) sends B ('s email address/phone number) the link, B visits link and takes the payment; that I would have it be: A visits B's link, A pays by card or transfer if linked to bank account.
So you enter an email address/phone number for them, and they receive a (presumably one time use, pre-set amount) link to retrieve money from you. That seems good. Ceteris paribus though (i.e. if both broadly implemented) I think I'd rather the recipient have the link where you go to pay, seems a bit odd to shift the onus on to the person you owe money to action it.