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IndiaPaymentsUPI⏱ 10 min read

Collect UPI Payments via WhatsApp — The Indian Business Guide

India processes 12 billion UPI transactions monthly. WhatsApp is where your customers already are. Combining UPI with WhatsApp creates the smoothest payment experience in Indian business — send a payment request, customer taps Pay, done. This guide covers every method: UPI deep links, Razorpay/Cashfree payment links, QR codes, and payment confirmation automation.

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Overview of payment collection approaches

MethodSetup effortCustomer experienceBest for
UPI deep link (upi://)⭐ EasyOpens UPI app directlyFixed amount collections
Razorpay/Cashfree payment link⭐ EasyPayment page with all UPI optionsOne-time invoices, flexible amounts
WhatsApp Pay (Meta)⭐⭐ MediumNative in-WhatsApp paymentPeer-to-peer, simple payments
QR code image in WhatsApp⭐ Very easyScan QR to payOffline businesses, walk-ins
Automated link via WA.Expert⭐⭐ MediumSeamless — link in notificationOrder confirmations, invoices

Send UPI payment requests in any WhatsApp template

1

Understand UPI deep link format

UPI deep link format: upi://pay?pa=YOURUVPA&pn=YOURNAME&am=AMOUNT&cu=INR&tn=REFERENCE. Replace YOURUVPA with your UPI ID (e.g., business@okaxis), AMOUNT with the amount, REFERENCE with invoice/order number.

2

Create UPI link for the order amount

In your backend: construct the UPI link dynamically with the order amount and reference. Example: upi://pay?pa=waexpert@okaxis&pn=WA.Expert&am=1499&cu=INR&tn=ORDER-12345

3

Add link to WhatsApp template

In your WA.Expert template, include the UPI link as a button (CTA button type: URL) or as a variable in the message text. Button label: "Pay ₹1,499 via UPI".

4

Handle payment confirmation

UPI payments don't send a webhook to your server directly. Options: (1) Razorpay/Cashfree payment links include success webhooks, (2) UPI deep links require manual reconciliation via bank statement, (3) Add a "Payment Done" quick reply button that customer taps after paying.

5

Automate reconciliation

For Razorpay/Cashfree links: configure webhook to call WA.Expert API and send a payment receipt WhatsApp automatically when payment is confirmed.

WhatsApp template for UPI: Message: "Hi {{name}}, your invoice #{{invoice_no}} for ₹{{amount}} is ready. Pay via UPI: [button: Pay ₹{{amount}} →] or use UPI ID: yourbusiness@okaxis. Reference: {{invoice_no}}."

Most popular payment collection method

1

Create payment link via Razorpay API

POST to Razorpay /v1/payment_links API with amount, currency (INR), description, and customer details. Returns a short_url like https://rzp.io/l/xxxxx.

2

Include short URL in WhatsApp message

Use the short_url as a CTA button URL in your WA.Expert template. The customer clicks the button, opens Razorpay's payment page, and pays via any UPI app, card, or net banking.

3

Configure Razorpay webhook for confirmation

In Razorpay dashboard: Webhooks → Add Webhook URL → select payment.captured event. Your server receives this webhook when payment succeeds.

4

Send payment receipt WhatsApp

Your webhook handler calls WA.Expert API to send a payment receipt WhatsApp with the Razorpay payment ID, amount, and timestamp.

Common questions

Can I collect UPI payments directly inside WhatsApp without leaving the app?
WhatsApp Pay (Meta's native payment feature) allows UPI payments inside WhatsApp in India. However, WhatsApp Pay requires specific setup and has transaction limits. For business payments, the recommended approach is Razorpay/Cashfree payment links sent via WhatsApp — the customer clicks the link, pays on the payment page, and returns to WhatsApp. This is more reliable and supports higher transaction amounts.
Is UPI deep link (upi://) the same as a payment link?
No — a UPI deep link (upi://pay?pa=...) opens the customer's default UPI app directly and pre-fills the amount and merchant details. It works on Android but may not work on iOS (iOS handles UPI links differently). A Razorpay/Cashfree payment link is a web URL that opens a payment page supporting all UPI apps, cards, and net banking — more universal and includes payment confirmation webhooks.
How do I track if the customer actually paid after clicking the UPI link?
UPI deep links don't provide payment confirmation to your server. For payment confirmation: use Razorpay/Cashfree payment links (they send webhooks on successful payment), add a "Payment Done" quick reply button (customer confirms manually), or check your bank statement/UPI app for reconciliation.
Can I send partial payment requests via WhatsApp?
Yes — send a WhatsApp with a Razorpay payment link created for the partial amount (e.g., 30% advance). Include payment terms in the message: "Please pay ₹X as advance to confirm your booking." Create a separate payment link for the balance and send it at the appropriate time.
What is the transaction limit for UPI via WhatsApp?
Standard UPI transaction limits: ₹1,00,000 per transaction, ₹2,00,000 per day per bank account (limits vary by bank). For business collections above these limits, use RTGS/NEFT payment instructions instead. Razorpay/Cashfree payment links support credit card payments for higher amounts.

Start collecting UPI payments via WhatsApp today

WA.Expert + Razorpay integration: payment link in WhatsApp → payment → automatic receipt. Set up in 30 minutes.

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