WhatsApp Business Platform > Cloud API

Payments API — India

Payments API enable businesses to accept payments from their customers through all UPI Apps installed on their device via WhatsApp. Businesses can sends invoice(order_details) messages to their customers, then get notified about payment status updates via webhook notifications from Payment Gateway.

Based on particular usecase, businesses can collect payment from the customers using one of the following integrations.

Know the differences in the models of integration

The choice between the two, relies on what Payment Gateway, the merchant/business use. There are 2 models of integration and they differ in the following ways:

UPI Intent Mode: This mode can be used with any Payment Gateway provided they support UPI Intent generation.
Payment Gateway Deep Integration Mode: Currently supported for Razorpay and PayU only.

User Experience	UPI Intent Mode	Payment Gateway Deep Integration Mode
Native support for "Other payment methods" Eg: Netbanking, cards, wallets	❌ Alternative: Send payment links	✅
Native support for UPI Intent	✅	✅
Native Payment Status Notification	❌	✅

User Experience

UPI Intent Mode

Payment Gateway Deep Integration Mode

Native support for "Other payment methods"

Eg: Netbanking, cards, wallets

❌

Alternative: Send payment links

✅

Native support for UPI Intent

✅

Native Payment Status Notification

❌

✅

Integration Features	UPI Intent Mode	Payment Gateway Deep Integration Mode
Refunds from Whatsapp APIs	❌	✅
Payment Status from Whatsapp webhooks	❌	✅

Pre-requisites for integration

Essential Payments APIs are available at BSP
Access to merchant order trigger APIs / CSVs needed to trigger an order. (eg: amount, goods/service details)
Access to payment posting APIs needed to close an order (eg: ticket generation APIs to create tickets once payment is received)

Full Payment Gateway Deep Integration Mode

Find out PG account owner: This is to authorize the linking of their account to Whatsapp Business Manager.

UPI Intent Mode

Find out VPA IDs, MCC and PC for business from merchant’s PG.
Access to PG API docs:
- UPI Intent S2S calls
- Webhook configuration for payment status

Support

Incase you run into issue, reach out to direct support. Make sure to choose the correct case type: "WaBiz: Business Payments API” so you get a faster resolution.
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