WhatsApp payments

WhatsApp payments let customers pay you inside WhatsApp, by UPI, cards or net banking. You connect your payment gateway once. After that, you send payment requests in a broadcast, from Live Chat or from a chatbot flow, and see who has paid.


Where	WhatsApp Pay
Payment gateways	Razorpay or PayU
Customers pay by	UPI, cards or net banking
Payment request	An order details template
Send it from	Broadcasts, Live Chat or chatbot flows
See who paid	The customer's chat in Live Chat, their profile, and WA Pay dashboard → Payments

Meta currently offers WhatsApp payments only with Razorpay and PayU.

How it fits together

flowchart LR
    A["WhatsApp Pay →<br/>Add Payment Method"] --> B["Pick Razorpay<br/>or PayU"]
    B --> C["Name, MCC and<br/>Purpose Code"]
    C --> D["Meta password,<br/>Connect Now"]
    D --> E["Authorize<br/>the gateway"]
    E --> F["Payment Configuration ID,<br/>Save"]
    F --> G["Create Order message"]

Before you start

You need:

An approved WhatsApp Business API number
A Razorpay or PayU account, and admin access to it
Admin access to WhatsApp Marketing
Your Merchant Category Code (MCC) and Purpose Code. Get these from your payment gateway.
The password to your Meta account

Connect your payment gateway

Go to the WhatsApp Pay section.

Under settings, click Add Payment Method.

Click New Configuration, then Get Started.

Choose your payment gateway and click Next.

Give the configuration a unique name, and enter your Merchant Category Code (MCC) and Purpose Code.

Enter your Meta account password and confirm.
Click Connect Now, then Next.

Authorize your payment gateway.

In your Facebook account, copy the payment configuration name.

Back in WhatsApp Marketing, enter the Payment Configuration ID and click Save.

Your gateway is connected. Next, create the order details template that carries each payment request. See Order details.

Send a payment request

Every payment request is an approved order details template. Create one before you send anything. See Order details.

Ask a group of contacts to pay at once.

Go to Contacts and select the audience you want to send the payment request to.
Click Broadcast.
Select your order details template.
Send it.

Follow the payments in WA Pay dashboard → Payments. For more on broadcasts, see Send a broadcast.

Take payment inside a flow, at any hour, without anyone on your team. This works without a catalog, for example for a digital product.

Create a flow in Flow Builder. See Chatbot flows.
For each product, add its own WhatsApp Pay element and configure its payment template.
Turn on the Custom Product toggle.

When the flow is finished, turn on its active toggle.

In the WhatsApp Pay element you set:

Setting	What it does
Payment Methods	Offer all available payment methods, or send the customer to a payment page through a WhatsApp payment link
Message Template	The approved template sent with the payment request
Payment Currency	The currency you want to be paid in
Message after payment	A message sent automatically once the payment succeeds

See who has paid

Each payment shows as pending or successful.

Where	What you see
WA Pay dashboard → Payments	All payments, received and pending, in one place
The customer's chat in Live Chat	The status of their payment
The payments section of their profile	Their payments, one customer at a time
Your broadcast	Pending and successful payments for that campaign

Because broadcasts show which payments are still pending, you can target the customers who have not completed their payment.

When to use it

Use it when the customer has decided to buy and the next step is paying. Every step away from the chat, to a website or a checkout page, is a step where some customers stop.

Use Live Chat for orders agreed in conversation. A customer who asked about sizes, stock or a custom order and settled it with your agent should get the payment request in the same chat, straight away. That is the moment they are most ready to pay.

Use a flow for simple, fixed-price products. A digital product, a gift card or a booking with one price can be paid for at any hour, with nobody on your team involved.

Use a broadcast for payments many customers owe at once. A pre-order balance or a restock the customers asked for. A payment request to people who did not ask to buy reads as spam.

Follow up once. Customers who have not paid may have been busy, not unwilling. One follow-up to the pending ones is reasonable. More than that pushes them to block you.

Check who paid before you ship. Look at the payment status in WA Pay dashboard → Payments or the customer's chat, so an order is not sent out unpaid.