Today’s shoppers want speed, simplicity, and security, without having to hop between apps. That’s where in-chat payments on WhatsApp come in. By combining conversations and checkout into a single seamless thread, brands can now drive faster conversions and deliver a better customer experience.

 

With WhatsApp emerging as the new digital storefront, the ability to collect payments inside chats is no longer a nice-to-have, but a game-changer. Whether you’re a D2C brand, a growing startup, or a service provider, integrating your payment gateway with WhatsApp Business API allows you to close the sale loop faster and reduce drop-offs considerably.

What Is WhatsApp API Payment Gateway Integration?

WhatsApp API payment gateway integration refers to connecting a third-party payment processor like Razorpay, PayU, or Stripe with WhatsApp using a Business Solution Provider (BSP) like Interakt. It allows merchants to send dynamic payment links, UPI intents, or checkout buttons directly in chats, enabling customers to complete their purchase without leaving WhatsApp.

 

Instead of sending users to external websites or apps, the integration facilitates a frictionless checkout experience by keeping the entire transaction within the WhatsApp ecosystem. Payments can be made via UPI, debit/credit cards, digital wallets, or even international gateways like PayPal and Stripe.

 

At the backend, this is achieved using webhooks, secure APIs, and pre-approved message templates that trigger when a user expresses interest or completes a purchase.

 

Interakt simplifies this setup by offering a no-code dashboard for payment gateway connections and a drag-and-drop chatbot builder to automate the entire payment journey.

Top Payment Gateways Compatible with WhatsApp

If you’re planning to accept payments via WhatsApp, you’ll need to work with a payment gateway that supports API-based integration. Here are the most popular options Interakt supports:

1. Razorpay

Razorpay’s robust APIs and quick onboarding make it a favorite for Indian merchants. With Interakt’s WhatsApp Razorpay integration, you can generate and send dynamic payment links, track real-time payment statuses, and trigger payment confirmations—all in WhatsApp.

2. PayU

PayU offers versatile payment options, including UPI, net banking, and EMI. The PayU WhatsApp payments setup is seamless with Interakt, allowing brands to share links and automate reminders inside WhatsApp flows.

3. Stripe & PayPal

For global businesses, Stripe and PayPal provide international coverage and card payment options. Integration through Interakt enables global checkout capabilities via link sharing and secure payment APIs.

4. Cashfree & Paystack

Popular in specific markets, these gateways also support API-based link generation and are compatible with Interakt’s WhatsApp chatbot flows.

Each of these gateways supports PCI-DSS-compliant data handling and works in tandem with Interakt’s WhatsApp workflows to ensure secure and timely transactions.

How WhatsApp Payments Work

Here’s how the WhatsApp payment integration flow typically works:

1. User Inquiry: A customer asks about a product/service in chat.

2. Trigger Payment Flow: A chatbot or agent shares a dynamic payment link or UPI intent generated via the connected gateway.

3. Checkout in Chat: The customer taps the link, completes payment using UPI, card, wallet, or net banking—right from WhatsApp.

4. Payment Confirmation: The system sends a payment success message or invoice back to the customer in the same thread.

5. Fulfillment Triggers: Webhooks notify your CRM or backend to fulfill the order.

The entire process happens within WhatsApp, eliminating the need for redirects or multiple touchpoints. With Interakt, you can automate this flow using chatbots and dynamic variables, enabling secure WhatsApp payments at scale.

Step‑by‑Step Integration Guide

Interakt has simplified integrating your payment gateway with WhatsApp. Once your WhatsApp Business account is verified and set up with Interakt, you can link your preferred payment gateway, such as Razorpay or PayU, and start sending payment links to customers on the chat app.

Whether you’re setting up automated payment flows, UPI intents, or COD-to-prepaid nudges, Interakt’s integration ensures a smooth, secure checkout experience right inside WhatsApp.

We’ve created detailed step-by-step guides to help you get started:

–How to integrate your Razorpay account with Interakt

–How to connect your PayU account with Interakt

 

Benefits of Integrating a Payment Gateway with WhatsApp Business API

From retail to ed-tech, here’s how businesses are unlocking value from WhatsApp payment integration:

1. D2C Ecommerce

Automate COD to prepaid campaigns by sending payment links along with a coupon code on WhatsApp right after order confirmation. Reduce RTO and increase cash flow.

2. Course & Event Bookings

Edtech businesses and event organizers use WhatsApp to accept registration payments seamlessly. Share payment links on WhatsApp, and close more sales.

3. Home Services & Appointments

Electricians, salons, and home service providers use WhatsApp API to share instant checkout links post service inquiry, streamlining payments and reducing no-shows.

4. Subscription Models

SaaS platforms and content management tools use automated payment flows on WhatsApp for reminders and payment link re-engagements.

Conclusion

Interakt’s dashboard gives you real-time insights into these metrics, so you can keep optimizing.

 

With customers spending more time on WhatsApp than ever, offering in-chat payments isn’t just a convenience—it’s a competitive advantage. From reduced cart abandonment to faster order closures, integrating your payment gateway with WhatsApp API through Interakt can transform your customer journey.

 

Start by connecting your Razorpay or PayU account, and launch your first payment flow within minutes.

 

Let customers chat, shop, and pay, all inside the same app!

 

Explore Interakt’s WhatsApp Payment Features.