Paytm for Business + WhatsApp API Integration — Complete Guide 2025

Paytm processes the payment. WA.Expert tells the customer about it — on WhatsApp, where it gets read. Payment receipts, failed payment recovery, merchant daily collection summaries — all automated for Paytm merchants.

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QR + Gateway

Works with Paytm QR, POS and payment gateway

Instant

WhatsApp fires within seconds of Paytm payment webhook

Merchant alerts

Daily collection summary via WhatsApp to business owner

India-first

Most popular Indian digital payment brand

What You Can Automate

Top use cases for Paytm for Business + WhatsApp API

Paytm for Business is widely used by Indian merchants for QR-based payments, POS terminals, and payment gateway services. WA.Expert connects Paytm's payment notifications to WhatsApp so merchants and customers get instant WhatsApp alerts for every transaction.

💳

Payment received → WhatsApp receipt

Paytm payment webhook fires WhatsApp receipt to customer with amount, transaction ID, and date.

📊

Merchant daily summary → WhatsApp

End-of-day Paytm collection summary sent to merchant via WhatsApp at 9 PM.

❌

Failed payment → recovery

Paytm failed payment fires WhatsApp with alternative payment options.

🏪

POS transaction → WhatsApp

Paytm POS/QR transaction fires WhatsApp to customer confirming payment.

Trigger → Action

How Paytm for Business events trigger WhatsApp messages

Paytm for Business trigger	WhatsApp action (WA.Expert)	Business impact
TXN_SUCCESS (gateway)	WhatsApp receipt to customer	Instant payment acknowledgement
TXN_FAILURE	WhatsApp with retry and alternative payment links	35% failed payment recovery
QR code scan payment	WhatsApp receipt for QR-based merchant payment	Paperless receipt
End of day (scheduled)	WhatsApp daily collection summary to merchant	Merchant visibility
Refund processed	WhatsApp refund confirmation to customer	Reduces refund queries

Setup Guide

How to connect Paytm for Business to WhatsApp API

Set up Paytm for Business webhook

In Paytm for Business dashboard: Settings → Notifications → Webhook. Add your WA.Expert webhook endpoint. Select events: PAYMENT_SUCCESS, PAYMENT_FAILED.

Configure Paytm checksum verification

Paytm webhooks include a checksum for security. Verify the checksum before processing the webhook to prevent fraud. WA.Expert's Paytm integration handles checksum verification automatically.

Map customer phone from Paytm payload

Paytm payment payloads include CUST_ID and sometimes MOBILE_NO. Map the mobile number to WA.Expert's "to" field. For Paytm QR payments, the customer phone is available in the transaction details.

Set up merchant daily digest

Create a scheduled job (via WA.Expert scheduling or a cron) that queries Paytm's settlement API at 8 PM daily. Aggregate the day's collections and send a WhatsApp summary to the merchant's phone.

Configure failed payment recovery

For PAYMENT_FAILED events: WA.Expert sends a WhatsApp with alternative payment methods (UPI deeplinks, other payment options) to help the customer complete the transaction via another method.

Sample Paytm for Business → WhatsApp configuration

// Paytm webhook → WA.Expert
// Event: PAYMENT_SUCCESS (gateway)
{
  "STATUS": "TXN_SUCCESS",
  "TXNAMOUNT": "1499.00",
  "TXNID": "202401011234567",
  "ORDERID": "ORDER_12345",
  "MOBILE_NO": "9876543210",
  "CUST_ID": "CUST_001",
  "CHECKSUMHASH": "[checksum]"
}

WA.Expert handles WhatsApp API authentication, template approval, and delivery. You pass the trigger data from Paytm for Business — no WhatsApp API expertise needed on your end.

FAQ

Paytm for Business + WhatsApp — common questions

Does Paytm support webhook notifications for WhatsApp integration?

Paytm for Business payment gateway supports S2S (server-to-server) webhook notifications for payment events. Paytm QR transactions also have webhook support. Configure the WA.Expert webhook URL in your Paytm for Business dashboard.

How does WhatsApp receipt work for Paytm QR payments at physical stores?

When a customer scans your Paytm QR code and pays, the Paytm webhook fires with the customer's mobile number. WA.Expert sends a WhatsApp receipt to the customer within seconds. The customer gets a paperless receipt on their phone — no paper receipt needed.

Can I send WhatsApp receipts for all Paytm payment modes (UPI, card, wallet)?

Yes — Paytm's webhook fires for all payment modes. Whether the customer pays via UPI, debit card, credit card, net banking, or Paytm wallet — the TXN_SUCCESS webhook fires the same way. WA.Expert sends the WhatsApp receipt regardless of payment mode.

How is Paytm + WhatsApp different from Razorpay or Cashfree + WhatsApp?

The core receipt and failed payment automation is identical. The difference is in the webhook format (Paytm uses form POST with checksum, Razorpay and Cashfree use JSON webhooks) and the specific use cases. Paytm is stronger for physical merchant QR payments and consumer-facing apps. Razorpay and Cashfree are stronger for online e-commerce.

Can I use Paytm + WhatsApp for subscription billing?

Paytm has a subscription billing product. The subscription events (payment success/failure per cycle) can trigger WhatsApp notifications via webhook. Subscription payment receipts and failed payment recovery messages work the same way as one-time payment webhooks.

Is Paytm for Business API available on all merchant accounts?

Paytm for Business API access (including webhook support) is available on all registered merchant accounts. Basic QR merchants may need to upgrade to a business account level to access the full API. Contact Paytm for Business support to confirm API access for your merchant category.

Related Integrations

More WhatsApp integration guides

Ready to connect Paytm for Business to WhatsApp?

Payment receipts, failed payment recovery, merchant daily summaries — all automated on WhatsApp. Works with Paytm QR, POS, and payment gateway.

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