To receive payments on WhatsApp, you must have a payment configuration linked to the corresponding WhatsApp Business Account. Each payment configuration is associated with a unique name. As part of the order_details message, you can specify the payment configuration to use for a specific checkout.

Onboarding APIs allows you to programatically perform certain operations:

Get all payment configurations linked to a WhatsApp Business Account.

Get a specific payment configuration linked to a WhatsApp Business Account.

Create a payment configuration.

Regenerate payment gateway OAuth link to link payment configuration to a payment gateway.

Remove a payment configuration.

Get All Payment Configurations

Get a list of payment configurations linked to the WhatsApp Business Account.

Request Syntax

GET /<WHATSAPP_BUSINESS_ACCOUNT_ID>/payment_configurations

Sample Request

curl 'https://graph.facebook.com/v16.0/102290129340398/payment_configurations' \
-H 'Authorization: Bearer EAAJB...'

Sample Response

{
  "data": [
    {
      "payment_configurations": [
    {
      "configuration_name": "test-payment-configuration",
      "merchant_category_code": {
        "code": "0000",
            "description": "Test MCC Code"
       },
           "purpose_code": {
         "code": "00",
         "description": "Test Purpose Code"
        },
        "status": "Active",
         "provider_mid": "test-payment-gateway-mid",
        "provider_name": "RazorPay",
        "created_timestamp": 1720203204,
        "updated_timestamp": 1721088316
    },
          ....
  ]
     }
  ]
}

Field	Description
`configuration_name` string	Required. The name of the payment configuration to be used in the Order Details message.
`merchant_category_code` object	Required. Merchant Category Code: `code` string Required. Will be a valid MCC code. `description` string Required. MCC code description.
`purpose_code` object	Required. Purpose Code: `code` string Required. Will be a valid purpose code. `description` string Required. Purpose code description.
`status` string	Required. Status of the payment configuration. Must be one of [“Active”, “Needs_Connecting”, “Needs_Testing”].
`provider_mid` string	Optional. Payment Gateway Merchant Identification Number (MID).
`provider_name` string	Optional. Payment Gateway Name. Must be one of [“razorpay”, “payu”, “zaakpay”].
`merchant_vpa` string	Optional. Merchant UPI handle.
`created_timestamp` integer	Optional. Time when payment configuration was created.
`updated_timestamp` integer	Optional. Time when payment configuration was last updated.

Get a specific Payment Configuration

Get a specific payment configuration linked to the WhatsApp Business Account.

Request Syntax

GET /<WHATSAPP_BUSINESS_ACCOUNT_ID>/payment_configuration/<CONFIGURATION_NAME>

Sample Request

curl 'https://graph.facebook.com/v16.0/102290129340398/payment_configuration/test-payment-configuration' \
-H 'Authorization: Bearer EAAJB...'

Sample Response

{
  "data": [
    {
      "configuration_name": "test-payment-configuration",
      "merchant_category_code": {
        "code": "0000",
        "description": "Test MCC Code"
      },
      "purpose_code": {
        "code": "00",
        "description": "Test Purpose Code"
      },
      "status": "Active",
      "provider_mid": "test-payment-gateway-mid",
      "provider_name": "RazorPay",
      "created_timestamp": 1720203204,
      "updated_timestamp": 1721088316
     }
  ]
}

Field	Description
`configuration_name` string	Required. The name of the payment configuration to be used in the Order Details message.
`merchant_category_code` object	Required. Merchant Category Code: `code` string Required. Will be a valid MCC code. `description` string Required. MCC code description.
`purpose_code` object	Required. Purpose Code: `code` string Required. Will be a valid purpose code. `description` string Required. Purpose code description.
`status` string	Required. Status of the payment configuration. Must be one of [“Active”, “Needs_Connecting”, “Needs_Testing”].
`provider_mid` string	Optional. Payment Gateway Merchant Identification Number (MID).
`provider_name` string	Optional. Payment Gateway Name. Must be one of [“razorpay”, “payu”, “zaakpay”].
`merchant_vpa` string	Optional. Merchant UPI handle.
`created_timestamp` integer	Optional. Time when payment configuration was created.
`updated_timestamp` integer	Optional. Time when payment configuration was last updated.

Create a Payment Configuration

Create a payment configuration.

Request Syntax

POST /<WHATSAPP_BUSINESS_ACCOUNT_ID>/payment_configuration

Sample Request

Payment Gateway type configuration

curl -X  POST \
'https://graph.facebook.com/v15.0/102290129340398/payment_configuration' \
-H 'Authorization: Bearer EAAJB...' \
-H 'Content-Type: application/json' \
-d '{
       "configuration_name": "test-payment-configuration",
       "purpose_code": "00",
       "merchant_category_code": "0000",
       "provider_name": "razorpay",
       "redirect_url": "https://test-redirect-url.com"
    }'

UPI Vpa type configuration

curl -X  POST \
'https://graph.facebook.com/v15.0/102290129340398/payment_configuration' \
-H 'Authorization: Bearer EAAJB...' \
-H 'Content-Type: application/json' \
-d '{
       "configuration_name": "test-payment-configuration",
       "purpose_code": "00",
       "merchant_category_code": "0000",
       "provider_name": "upi_vpa",
       "merchant_vpa": "test-upi-merchant-vpa@test"
    }'

Field	Description
`configuration_name` string	Required. The name of the payment configuration to be used in the Order Details message.
`merchant_category_code` string	Optional. Merchant Category Code.
`purpose_code` object	Optional. Purpose Code.
`provider_name` string	Required. Provider name of the payment configuration. Must be one of [“upi_vpa”, “razorpay”, “payu”, “zaakpay”].
`merchant_vpa` string	Optional. Merchant UPI handle.
`redirect_url` URI	Optional. The url which merchant will be redirected to after successfully linking a payment configuration.

Sample Response

Payment Gateway type configuration

{
  "oauth_url": "https://www.facebook.com/payment/onboarding/init/",
  "expiration": 1721687287,
  "success": true
}

UPI Vpa type configuration

{
  "success": true
}

Field	Description
`oauth_url` string	Optional. OAuth url to be used to link payment configuration to the payment gateway
`expiration` integer	Optional. Expiration time of the OAuth url.
`success` boolean	Required. Boolean flag to denote if payment configuration creation was successful or not.

Link or Update Data Endpoint

The following section explains how to link, update and delete data endpoint to enable coupons, shipping address and real-time inventory offered by Checkout Button Templates.

Request Syntax

POST /<WHATSAPP_BUSINESS_ACCOUNT_ID>/payment_configuration/<CONFIGURATION_NAME>

Sample Request

Payment Gateway type configuration

curl -X  POST \
'https://graph.facebook.com/v15.0/102290129340398/payment_configuration/test-payment-configuration' \
-H 'Authorization: Bearer EAAJB...' \
-H 'Content-Type: application/json' \
-d '{
       "data_endpoint_url": "https://test-data-endpoint-url.com"
    }'

Field	Description
`data-endpoint-url` URI	Optional. The URL endpoint that the WhatsApp client sends a secure HTTPS request to for data exchange purposes in Checkout Button Templates offering.

Regenerate Payment Configuration OAuth link

Regenerate OAuth link of payment gateway type payment configuration.

Request Syntax

POST /<WHATSAPP_BUSINESS_ACCOUNT_ID>/generate_payment_configuration_oauth_link

Sample Request

curl -X  POST \
'https://graph.facebook.com/v15.0/102290129340398/generate_payment_configuration_oauth_link' \
-H 'Authorization: Bearer EAAJB...' \
-H 'Content-Type: application/json' \
-d '{
       "configuration_name": "test-payment-configuration",
       "redirect_url": "https://test-redirect-url.com"
    }'

Field	Description
`configuration_name` string	Required. The name of the payment configuration to be used in the Order Details message.
`redirect_url` URI	Optional. The url which merchant will be redirected to after successfully linking a payment configuration.

Sample Response

{
  "oauth_url": "https://www.facebook.com/payment/onboarding/init/",
  "expiration": 1721687287
}

Field	Description
`oauth_url` string	Optional. OAuth url to be used to link payment configuration to the payment gateway
`expiration` integer	Optional. Expiration time of the OAuth url.

Remove a Payment Configuration

Remove a payment configuration.

Request Syntax

DELETE /<WHATSAPP_BUSINESS_ACCOUNT_ID>/payment_configuration

Field	Description
`configuration_name` string	Required. The name of the payment configuration to be used in the Order Details message.

Sample Request

curl -X  DELETE \
'https://graph.facebook.com/v15.0/102290129340398/payment_configuration' \
-H 'Authorization: Bearer EAAJB...' \
-H 'Content-Type: application/json' \
-d '{
       "configuration_name": "test-payment-configuration"
    }'

Sample Response

{
  "success": true
}

Field	Description
`success` boolean	Required. Boolean flag to denote if payment configuration removal was successful or not.

Payment Configuration Webhook

Businesses receive updates via WhatsApp webhooks when the status of the payment configuration changes.

To receive webhook, Businesses must subscribe to “payment_configuration_update” event for their respective application.

Webhook contains the following fields:

Field	Description
`configuration_name` string	Required. The name of the payment configuration to be used in the Order Details message.
`provider_name` string	Required. Provider name of the payment configuration. Must be one of [“razorpay”, “payu”, “zaakpay”].
`provider_mid` string	Required. Payment gateway account merchant ID.
`status` string	Required. Status of the payment configuration. Must be one of [“Active”, “Needs_Connecting”, “Needs_Testing”].
`created_timestamp` integer	Required. Time when payment configuration was created.
`updated_timestamp` integer	Required. Time when payment configuration was last updated.

Sample Payment Configuration Webhook

{
  "entry": [
    {
      "id": "0",
      "time": 1725499886,
      "changes": [
        {
          "field": "payment_configuration_update",
          "value": {
            "configuration_name": "test-payment-configuration",
            "provider_name": "razorpay",
            "provider_mid": "test-provider-mid",
            "status": "Needs Testing",
            "created_timestamp": 123457678,
            "updated_timestamp": 123457678
          }
        }
      ]
    }
  ],
  "object": "whatsapp_business_account"
}

Errors

WhatsApp Payments Terms of Service Acceptance Pending

If you see the following error, accept the WhatsApp Payments terms of service using the link provided in the error message before trying again.

{
  "error": {
    "message": "(#131005) Access denied",
    "type": "OAuthException",
    "code": 131005,
    "error_data": {
      "messaging_product": "whatsapp",
      "details": "WhatsApp Payments Terms of Service acceptance pending for this WhatsApp Business Account.
Please use the following link to accept terms of service before using Business APIs: https://fb.me/12345"
    }
  }
}

For all other errors that can be returned and guidance on how to handle them, see WhatsApp Cloud API, Error Codes.

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