WhatsApp Pay is Meta's native UPI payment feature built into WhatsApp — customers can pay directly inside a WhatsApp conversation without any redirect. As of 2025–26, WhatsApp Pay in India is available for peer-to-peer (P2P) transfers and is being gradually expanded for business payments. This guide covers exactly what WhatsApp Pay can and cannot do for businesses today, and when to use Razorpay payment links instead.
Individual users can send and receive money via WhatsApp Pay using UPI. This works for freelancers and sole proprietors collecting payments from known customers informally.
WhatsApp Pay for businesses is available through select Meta-approved payment service providers. Currently in limited rollout — not universally available for all businesses.
Razorpay, Cashfree, or Instamojo payment links shared via WhatsApp is currently the most reliable, universally available way to collect business payments via WhatsApp in India.
In WhatsApp Catalogue orders, customers can pay using WhatsApp Pay where available — seamless checkout without leaving the app.
When WhatsApp Pay is available, payment confirmations are sent automatically within the chat. For payment link methods, Razorpay/Cashfree webhooks trigger WA.Expert to send the receipt.
Not supported natively by WhatsApp Pay — for subscriptions and recurring collections, use Razorpay subscriptions with WhatsApp notification via WA.Expert.
WhatsApp Pay for your business requires an approved payment service provider partnership with Meta. Contact WA.Expert support to check current availability for your business category.
WA.Expert → Integrations → Razorpay → connect API key. Templates can include a dynamic Razorpay payment link as a URL button. Customer taps → pays via UPI/card/wallet → webhook confirms → WA.Expert sends receipt.
In WA.Expert: Templates → New → Utility → 'Payment Received'. Body: 'Payment of ₹{{amount}} received for {{order}}. Reference: {{txn_id}}.' This fires automatically on Razorpay webhook.
Razorpay payment.failed webhook → WA.Expert sends recovery template with fresh payment link. Set 3 retries with 10-minute intervals.
Before going live, test with actual ₹1 payments to verify the end-to-end flow: WA.Expert sends payment link → customer pays → Razorpay webhook fires → WA.Expert sends receipt.
WA.Expert's Razorpay integration is live now — payment links, receipts, and failure recovery automated.