WhatsApp Payments for Businesses: 2026 Guide

Too Long? Didn't Read ● WhatsApp Payments lets businesses collect payments directly inside WhatsApp without sending customers to an external payment page. ● Customers can pay through UPI, debit/credit cards, and net banking. ● Businesses can use WhatsApp Payments for ecommerce orders, course fees, consultations, event bookings, subscriptions, donations, and more. ● With AiSensy, businesses can send payment requests through broadcasts, Live Chat, and chatbot flows, track payment status, and retarget users with pending payments. ● AiSensy currently supports WhatsApp Payments integration with Razorpay and PayU. ● Businesses can also track successful and pending payments from a single dashboard.

WhatsApp Payments lets businesses collect payments from customers directly inside WhatsApp. More than 3 billion people use WhatsApp worldwide, and more than 500 million of them are in India.

The payment side of the app is growing fast. WhatsApp Pay processed 167.89 million UPI transactions worth Rs 12,957 crore in July 2026, which makes it the eighth largest UPI app in India.

For online stores especially, combining WhatsApp Payments with WhatsApp for ecommerce creates an end-to-end shopping journey, from product discovery to checkout, without customers ever leaving the app.

This guide explains how WhatsApp Payments for business and the WhatsApp Payment API work, the benefits and use cases of WhatsApp Payments, and how you can accept payments on WhatsApp with AiSensy.

What is WhatsApp Payments - A Brief Intro

Earlier, businesses sent payment links on WhatsApp which redirected to a payment page from where they completed the payment. However, this process has a high dropoff rate, because the platform is switching from WhatsApp to another app, involving higher loading times and many more reasons.

WhatsApp Payments removes that switch. It is available for businesses on the WhatsApp Business API and keeps the entire purchase inside the chat.  

That's why, to simplify the payment collection process, WhatsApp launched WhatsApp Payments. 

WhatsApp Payments is a feature allowing businesses to collect payments directly within WhatsApp through UPI (Gpay, Paytm, Phonepe), Cards (debit/ credit cards) and Net Banking. WhatsApp Payments enables businesses to provide an end-to-end shopping experience right on WhatsApp. 

Imagine this: a user lands on your WhatsApp, scrolls through your products via Catalogues, adds the one they wish to purchase to their cart, and completes the payment in the same conversation.  

That's what WhatsApp Payments enables - An end-to-end Shopping experience right within WhatsApp.

Wish to experience this game-changing feature right now? Send "Try WhatsApp Payments" to this number to experience WhatsApp Payments +918297845603 (powered by AiSensy)

Experienced WhatsApp Payments? Let's dive into the benefits this awesome feature brings to the table. 

WhatsApp Pay vs WhatsApp Payments for Business

WhatsApp Pay is the UPI feature people use to send money to friends and family from the regular WhatsApp app.

WhatsApp Payments for business runs on the WhatsApp Business API. It lets companies send order details messages, collect payments through a payment gateway and track every transaction from a dashboard.

What Changed in WhatsApp Payments in 2026

WhatsApp Payments has moved quickly over the past two years. Here are the updates that matter for businesses.

• Every Indian user can now pay on WhatsApp. NPCI removed the 100 million user cap in December 2024, opening WhatsApp Pay to all 500 million plus users in India. 
• Transaction volumes doubled. WhatsApp Pay processed 167.89 million UPI transactions in July 2026, more than twice its July 2025 volume, making it the eighth largest UPI app in India.
• QR code payments for small businesses. Since September 2025, small businesses in India can generate and share QR codes in the WhatsApp Business App so customers pay without leaving the chat.
• More ways to pay at checkout. Since October 2025, customers can complete payments from linked devices, and checkout in India supports cards along with third party UPI apps such as GPay, PhonePe and Paytm.
• AI powered payments are coming. Meta announced in May 2026 that Business AI on WhatsApp will soon facilitate UPI payments directly within a chat.

The direction is clear. Meta wants payments to sit inside the conversation, and businesses that set up WhatsApp Payments now will benefit first.

How WhatsApp Payments Works for Customers

The payment experience takes seconds and never leaves the chat. Here is the full flow from the customer's side.

1. The business sends an order details message with the item summary and the amount to pay.
2. The customer taps Review and Pay, then picks UPI, a card or net banking.
3. The customer approves the payment with their UPI PIN, and both sides receive instant confirmation in the chat.

Since the whole journey stays inside WhatsApp, customers complete the purchase while their intent is still high.

Benefits of collecting payments on WhatsApp

1. Streamlined Process: With WhatsApp Payments, businesses can send payment requests and reminders directly in chat. This eliminates the need for customers to leave the platform or download an additional app to complete the transaction, ultimately reducing the drop-offs and increasing payment collection by 27%.

2. Increased Trust: WhatsApp is already a trusted platform for millions. Accepting payments here enhances brand trustworthiness as customers can make transactions in a familiar environment.

3. Enhanced Security: Leveraging UPI's robust security features, WhatsApp Payments ensures that all transactions are encrypted and secure.

4. Instant Notifications: Businesses receive immediate confirmation once a payment is made, allowing for efficient record-keeping and order processing.

5. Global Reach: With billions of WhatsApp users worldwide, businesses can tap into a vast customer base, making it easier to expand their operations globally.

6. Reduced Transaction Costs: By eliminating the need for third-party payment gateways, businesses can potentially save on transaction fees.

7. Seamless Integration with Marketing: With AiSensy, businesses can send promotional offers and collect payments immediately, all within the same conversation.

Use Cases of WhatsApp Payments for Businesses

• E-commerce: Businesses can enable users to add products to their cart & make the payment right within WhatsApp, streamlining the checkout process.
• Fintech: Businesses can automate payments for services and accounts associated with them
• Online Classes & Workshops: Tutors and trainers can instantly collect course fees using WhatsApp Payments.
• Freelancers & Consultants: Professionals can request payments for their services right after a consultation or project completion.
• Restaurants & Takeaways: Customers can pay for their orders directly through WhatsApp, making the ordering process smoother.
• Event Organizers: Organizers of events can easily collect payments for event tickets or reservations.
• Subscription Services: Businesses can send recurring payment reminders & collect payments on WhatsApp, ensuring 3x more timely payments from subscribers.
• Donations: NGOs and charitable organizations can collect donations seamlessly within WhatsApp via WhatsApp Payments

WhatsApp Payment Features (AiSensy Exclusive)

1. Send Payment messages via Live Chat & Chatbot Flows

Not only can you broadcast payment messages to all users, but you can also shoot payment messages to individual users directly from Live chat & chatbot flows.

2. Track Payment Status in Campaigns & Retarget Effortlessly

You can easily monitor pending & successful payments in a campaign and further send retargeting campaigns to users who failed to complete the payment.

Using this feature has helped our clients collect 23% more payments and reduce dropoffs by 35%.

Tip: Focus on your communication. Try creating FOMO to convince the user to complete the purchase.

3. Verify Payment status from User Profile

You can easily verify the payment status of customers individually from the payments section under the user profile of a customer.

4. View All Payments Received in One Unified Dashboard

Monitor the status of all payments that are received/ pending under one single unified dashboard.

How AiSensy businesses are using WhatsApp Payments to collect payments on WhatsApp

Check out how businesses using AiSensy have already enabled WhatsApp pay for their businesses.

1. Delhi Transport Corporation (DTC)

2. E-mudhra

E-mudhra, a licensed certifying authority issuing Digital Signature Certificates (DSCs) uses the WhatsApp Pay feature to enable users to purchase DSC directly on WhatsApp. 

3. HRX by EatFit

HRX by EatFit runs Click-to-WhatsApp Ads via AiSensy. When a user clicks the ad, they land on WhatsApp, add preferred items to their cart and proceed to checkout. With WhatsApp Payments enabled, the user completes the payment right within WhatsApp, completely hassle-free. 

How to Enable WhatsApp Payments for Your Business with AiSensy

To enable WhatsApp Payments with AiSensy, you must be signed up with AiSensy, and have your WhatsApp Business API Live and Facebook Business Manager account verified.

If you're not yet using AiSensy, sign up now

Once you've set up your WhatsApp Business API account, and the approval part is done, follow the steps mentioned below👇

Note: You must use either the Razorpay or PayU payment gateway to collect payments if you wish to connect WhatsApp Payments to your system via AiSensy. Here is our full guide to connecting Razorpay with WhatsApp.

1. Go to WhatsApp Payments & tap on "Accept Pricing & get started"

AiSensy offers a Zero setup fee for WhatsApp Payments! However, there are fixed charges for each payment you collect via WhatsApp payments using AiSensy.

You can checkout the platform fee per transaction cost in the below screenshot.

Once you've checked out the transaction fee, accept the pricing to get started.

2. Now, under settings tap 'Add Payment Method'

3. On the next screen, click 'New Configuration'

4. Tap 'Get Started'

5. Choose your current payment gateway you wish to connect with AiSensy and press Next

This will be the payment gateway used to collect payments from customers on WhatsApp.

Currently, we offer WhatsApp Payments integration with Razorpay and PayU payment gateways.

Integrations with other payment gateways will go live soon.⚡

6. Give your WhatsApp Payment Integration a unique name and select the Merchant Category code (MCC)

You can enter any name you want under Payment Configuration name.

Next, you need to add your Merchant Category Code (MCC) & Purpose Code which you can get from your payment gateway.

After adding the required information, click Next.

For reference, view the below screenshot.

Note: Kindly add the Merchant category code that suits your business. Don't fill the same code mentioned in the below screenshot. It's just for your reference.\

7. Add your Meta account password and click confirm

8. Tap Connect Now and click Next

Clicking next will take you to Razorpay.

9. Tap authorize to connect Razorpay as your payment gateway for WhatsApp Payment integration

In case you've selected PayU as your payment gateway, the steps and process will stay the same.

10. After authorizing your payment gateway, copy the Payment Configuration name from your Facebook account

11. Come back to AiSensy Dashboard, enter the Payment Configuration ID and press Save

12. Next, select the payment gateway you wish to connect with AiSensy

13. Last up, tap 'Create Order message' to create payment messages that will be used to collect payments directly on WhatsApp

14. Setup the Payment template message

Follow the same steps you do while creating a WhatsApp template message. Add the Template name, choose your product type, template body.

Now, add the tax rate that you wish to charge the user. You can select whether the price of your product is tax-inclusive or tax-exclusive.

If you choose tax inclusive, tax won't be charged while if you choose tax exclusive here, tax will be charged from the user.

You can also add the expiry duration of your payment link (in seconds). If you add 300 here, your payment link will expire after 5 minutes.

15. Add Tax information

In case you wish to levy tax on your products, add the tax rate, tax description (GST or other taxes), shipping charges (in Rupees) & the discount amount (fixed or in percentage).

Verify your message & press Submit.

That's it! Your WhatsApp Payments configuration is now successful. 

Start collecting payments directly within WhatsApp now with AiSensy

Before you leave

For businesses, WhatsApp payments presents a golden opportunity to streamline operations, enhance customer experience, and drive growth. And with AiSensy, the journey becomes even more rewarding.

WhatsApp Payments is one of the best ways for businesses to drive end-to-end customer journey in one single platform. 

Signup Now to AiSensy if you too wish to use WhatsApp Payments for your business. 

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