This is NOT the recommended UPI Intent integration. Migrate to dynamic VPA. With dynamic VPA, you can rotate VPAs on UPI intents without requiring any configuration changes on your end - simplifying integration and ongoing maintenance.

Your business can enable customers to pay for their orders using all the UPI Apps installed on their devices via WhatsApp. Businesses can send customers invoice(order_details) messages, then get notified about payment status updates via webhook notifications from Payment Gateway.

Overview

Currently, customers browse business catalogs, add products to cart, and send orders in with our set of commerce messaging solutions, which includes Single Product Message, Multi Product Message, and Product Detail Page.

With the WhatsApp Payments API, businesses can send customers a bill so the customer can complete their order with all the UPI Apps.

How It Works

The business must send an order_details message for the consumer to initiate payment. This type of message is a new type of interactive message, which always contains the same 4 main components: header, body, footer, and action. Inside the action component, the business includes all the information needed for the customer to complete their payment.

Each order_details message contains a unique reference_id provided by the business, and that unique number is used throughout the flow to track the order. This reference_id is fetched from UPI intent link(tr value from the UPI payment intent) generated for a business order from Payment Gateway.

Once the message is sent, the business waits for a payment or transaction status updates directly from Payment Gateway. Upon receiving payment signal for an order, Business should relay this payment signal to consumer through interactive order status(order_status) message.

Updating user about the payment signal is important as this message updates the order details message and order details view for the consumer reflecting the order confirmation from merchant. This is shown with an example in subsequent sections.

Purchase Flow in App

In the WhatsApp customer app, the purchase flow has the following steps:

Customer sends an order with selected products to the business or Business identifies the products that the customer has shown interest to purchase.

After receiving the order/identifying the product, if a merchant accepts payment methods other than UPI, such as credit cards and payment wallets, then merchant will send a message to the user to get their preferred payment method for the order.

When consumers want to pay using UPI payment method, then merchants should retrieve the UPI payment intent by calling Payment Gateway. Merchant needs to use UPI intent to construct order details messages and send it to the consumer.

When the consumer taps the Pay now/continue button, they will be given the option to choose UPI payment Apps - WhatsApp or any other UPI payments apps. Consumers may choose any UPI option to pay for the order.

Consumer pays for the order and the payment method is saved for the future and automatically selected for the next payment transaction. Also, one quick note is the order details screen order-status will continue to show “Order pending” until merchant sends order status interactive message.

Once the payment is complete, the business receives a notification from Payment Gateway and the merchant needs to send order status updates to the consumer client notifying consumers about the progress to the order, this will update the order details message CTAs and order details screen - order status description.

Before You Start

To receive UPI payments on WhatsApp merchants have to set up their VPA on WhatsApp Business Manager using the direct payment methods option.

Each configuration must have a unique name, merchant categorization code (mcc), purpose code, and VPA handles as shown below. A business can have multiple payment configurations, but for each order merchant must specify a specific configuration to be used for payment. See payment_configuration field in order_details message.

[
  {
    "name": "unique name 1",
    "merchantVpa": "handle_1@paytm",
    "merchantMcc": "merchant categorization code",
    "merchantPurposeCode": "purpose code"
  },
  {
    "name": "unique name 2",
    "merchantVpa": "handle_2@paytm",
    "merchantMcc": "merchant categorization code",
    "merchantPurposeCode": "purpose code"
  },
]

name for each payment type must be unique. name will be used to reference the specific configurations for each payment type. If WA is unable to find a payment configuration name, the user will not be able to make the payment upon receiving the order_details message. mcc refers to a merchant categorization code⁠ for the items in the order. upi_pc refers to the purpose of the transaction. Some sample codes are below:

Code	Title
00	Default
01	SEMI
02	AMC
03	Travel
04	Hospitality
05	Hospital
06	Telecom
07	Insurance
08	Education
09	Gifting
10	Others

If merchant/partner is not sure of the MCC and purpose code, then they may contact Payment Gateway to get this information as Payment Gateway sets up these values based on the type of business while generating business VPAs.

Manage Your Payment Methods (Beta Feature)

Self-service Payment Configuration allows you to add multiple payment configurations to your WhatsApp Manager profile. Each payment configuration will have its own UPI handle(VPA), MCC, and purpose code (for physical goods) so that merchants can accept payments for different categories with different UPI accounts. After setup, merchant can send invoice(order_details) messages to users with the corresponding payment configuration to collect payments.

Pre-requisites

Manage Payment Methods feature is in Beta, so please contact Business Engineering team to allow merchants/partners access the page in WhatsApp Business Manager portal.

Steps to link Payment Configuration for a Business Service Provider

You can create a payment configuration for a WhatsApp Business Account using the ‘Payment configurations’ page and under ‘India’ in WhatsApp Business Manager⁠.

After linking your payment configuration, you must integrate with the Payments APIs below. This will allow you to send an order_details message to customers with the payment configuration to receive payments.

Steps to unlink Payment Configuration

Note: Make sure no new order messages requesting payment from consumer are sent with the payment config your are trying to remove before you perform the unlink action.

Integration Steps

The steps outlined below assume that the business is about to send order details message to consumer client.

The following sequence diagram demonstrates the typical integration flow for WA Payments API:

Step 1: Get UPI Intent from Payment Gateway

Once the consumer has expressed their interest to purchase an item using UPI payment method. Merchant needs to call payment gateway to create a UPI intent, the following is the sample UPI intent link:

upi://pay?pa=cfsukoonaa@yesbank&pn=Sukoon&tr=877376394&
  am=10.00&cu=INR&mode=00&purpose=00&mc=5399&tn=877376394

Merchant needs to parse the tr value from the above URI and use this as the reference id in invoice(order_details) interactive message.

Step 2: Assemble the Interactive Object

To send an order_details message, businesses must assemble an interactive object of type order_details with the following components:

Object	Description
`type` object	Required. Must be “order_details”.
`header` object	Optional. Header content displayed on top of a message. If a header is not provided, the API uses an image of the first available product as the header
`body` object	Required. An object with the body of the message. The object contains the following field: `text` string Required if `body` is present. The content of the message. Emojis and markdown are supported. Maximum length is 1024 characters
`footer` object	Optional. An object with the footer of the message. The object contains the following fields: `text` string Required if `footer` is present. The footer content. Emojis, markdown, and links are supported. Maximum length is 60 characters
`action` object	Required. An action object you want the user to perform after reading the message. This action object contains the following fields: `name` string Required. Must be “review_and_pay” `parameters` object See Parameters Object for information

Parameters Object

Object	Description
`reference_id` string	Required. Unique identifier for the order or invoice provided by the business. This cannot be an empty string and can only contain English letters, numbers, underscores, dashes, or dots, and should not exceed 35 characters. The `reference_id` must be unique for each `order_details` message for the same business. If the partner would like to send multiple order_details messages for the same order, invoice, etc. it is recommended to include a sequence number in the `reference_id` (for example, <order-or-invoice-id>-<sequence-number>) to ensure `reference_id` uniqueness.
`type` object	Required. The type of goods being paid for in this order. Current supported options are `digital-goods` and `physical-goods`
`beneficiaries` array	Required for shipped physical-goods. An array of beneficiaries for this order. A beneficiary is an intended recipient for shipping the physical goods in the order. It contains the following fields: Beneficiary information isn’t shown to users but is needed for legal and compliance reasons. `name` string Required. Name of the individual or business receiving the physical goods. Cannot exceed 200 characters `address_line1` string Required. Shipping address (Door/Tower Number, Street Name etc.). Cannot exceed 100 characters `address_line2` string Optional. Shipping address (Landmark, Area, etc.). Cannot exceed 100 characters `city` string Required. Name of the city. `state` string Required. Name of the state. `country` string Required. Must be “India”. `postal_code` string Required. 6-digit zipcode of shipping address.
`payment_type`	Required. Must be “upi”.
`payment_configuration`	Required. The name of the pre-configured payment configuration to use for this order and must not exceed 60 characters.
`currency`	Required. The currency for this order. Currently the only supported value is `INR`.
`total_amount` object	Required. The `total_amount` object contains the following fields: `offset` integer Required. Must be `100` for `INR`. `value` integer Required. Positive integer representing the amount value multiplied by offset. For example, ₹12.34 has value 1234. `total_amount.value` must be equal to `order.subtotal.value` + `order.tax.value` + `order.shipping.value` - `order.discount.value`.
`order` object	Required. See order object for more information.

Order Object

Object	Description
`status` string	Required. Only supported value in the `order_details` message is `pending`. In an `order_status` message, `status` can be: `pending`, `captured`, or `failed`.
`type` string	Optional. Only supported value is `quick_pay`. When this field is passed in we hide the “Review and Pay” button and only show the “Pay Now” button in the order details bubble.
`items` object	Required. An object with the list of items for this order, containing the following fields: `retailer_id` string Optional. Content ID for an item in the order from your catalog. `name` string Required. The item’s name to be displayed to the user. Cannot exceed 60 characters `image` object Optional. Custom image for the item to be displayed to the user. See item image object for information Using this image field will limit the items array to a maximum of 10 items and this cannot be used with `retailer_id` or `catalog_id`. `amount` amount object with value and offset -- refer total amount field above Required. The price per item `sale_amount` amount object Optional. The discounted price per item. This should be less than the original amount. If included, this field is used to calculate the subtotal amount `quantity` integer Required. The number of items in this order, this field cannot be decimal has to be integer. `country_of_origin` string Optional if `catalog_id` is not present. The country of origin of the product `importer_name` string Optional if `catalog_id` is not present. Name of the importer company `importer_adress` string Optional if `catalog_id` is not present. Address of importer company
`subtotal` object	Required. The value must be equal to `order.amount.value` multiplied by `order.amount.quantity`. Refer to `total_amount` description for explanation of `offset` and `value` fields The following fields are part of the `subtotal` object: `offset` integer Required. Must be `100` for `INR` `value` integer Required. Positive integer representing the amount value multiplied by offset. For example, ₹12.34 has value 1234
`tax` object	Required. The tax information for this order which contains the following fields: `offset` integer Required. Must be `100` for `INR` `value` integer Required. Positive integer representing the amount value multiplied by offset. For example, ₹12.34 has value 1234 `description` string Optional. Max character limit is 60 characters
`shipping` object	Optional. The shipping cost of the order. The object contains the following fields: `offset` integer Required. Must be `100` for `INR` `value` integer Required. Positive integer representing the amount value multiplied by offset. For example, ₹12.34 has value 1234 `description` string Optional. Max character limit is 60 characters
`discount` object	Optional. The discount for the order. The object contains the following fields: `offset` integer Required. Must be `100` for `INR` `value` integer Required. Positive integer representing the amount value multiplied by offset. For example, ₹12.34 has value 1234 `description` string Optional. Max character limit is 60 characters `discount_program_name` string Optional. Text used for defining incentivised orders. If order is incentivised, the merchant needs to define this information. Max character limit is 60 characters
`catalog_id` object	Optional. Unique identifier of the Facebook catalog being used by the business.
`expiration` object	Optional. Expiration for that order. Business must define the following fields inside this object: `timestamp` string – UTC timestamp in seconds of time when order should expire. Minimum threshold is 300 seconds `description` string – Text explanation for expiration. Max character limit is 120 characters

Item Image Object

Object	Description
`link` string	Required. A link to the image that will be shown to the user. Must be an `image/jpeg` or `image/png` and 8-bit, RGB or RGBA. Follows same requirements as image in media

By the end, the interactive object should look something like this for a catalog-based integration:

{
  "interactive": {
    "type": "order_details",
    "header": {
      "type": "image",
      "image": {
        "link": "http(s)://the-url",
        "provider": {
          "name": "provider-name"
        }
      }
    },
    "body": {
      "text": "your-text-body-content"
    },
    "footer": {
      "text": "your-text-footer-content"
    },
    "action": {
      "name": "review_and_pay",
      "parameters": {
        "reference_id": "reference-id-value",
        "type": "digital-goods",
        "payment_type": "upi",
        "payment_configuration": "unique-payment-config-id",
        "currency": "INR",
        "total_amount": {
          "value": 21000,
          "offset": 100
        },
        "order": {
          "status": "pending",
          "catalog_id": "the-catalog_id",
          "expiration": {
            "timestamp": "utc_timestamp_in_seconds",
            "description": "cancellation-explanation"
          },
          "items": [
            {
              "retailer_id": "1234567",
              "name": "Product name, for example bread",
              "amount": {
                "value": 10000,
                "offset": 100
              },
              "quantity": 1,
              "sale_amount": {
                "value": 100,
                "offset": 100
              }
            }
          ],
          "subtotal": {
            "value": 20000,
            "offset": 100
          },
          "tax": {
            "value": 1000,
            "offset": 100,
            "description": "optional_text"
          },
          "shipping": {
            "value": 1000,
            "offset": 100,
            "description": "optional_text"
          },
          "discount": {
            "value": 1000,
            "offset": 100,
            "description": "optional_text",
            "discount_program_name": "optional_text"
          }
        }
      }
    }
  }
}

For a non-catalog based integration i.e. when catalog-id is not present, an example payload looks as follows:

{
  "interactive": {
    "type": "order_details",
    "header": {
      "type": "image",
      "image": {
        "id": "your-media-id"
      }
    },
    "body": {
      "text": "your-text-body-content"
    },
    "footer": {
      "text": "your-text-footer-content"
    },
    "action": {
      "name": "review_and_pay",
      "parameters": {
        "reference_id": "reference-id-value",
        "type": "digital-goods",
        "payment_type": "upi",
        "payment_configuration": "unique-payment-config-id",
        "currency": "INR",
        "total_amount": {
          "value": 21000,
          "offset": 100
        },
        "order": {
          "status": "pending",
          "expiration": {
            "timestamp": "utc_timestamp_in_seconds",
            "description": "cancellation-explanation"
          },
          "items": [
            {
              "name": "Product name, for example bread",
              "amount": {
                "value": 10000,
                "offset": 100
              },
              "quantity": 1,
              "sale_amount": {
                "value": 100,
                "offset": 100
              },
              "country_of_origin": "country-of-origin",
              "importer_name": "name-of-importer-business",
              "importer_address": {
                "address_line1": "B8/733 nand nagri",
                "address_line2": "police station",
                "city": "East Delhi",
                "zone_code": "DL",
                "postal_code": "110093",
                "country_code": "IN"
              }
            },
            {
              "name": "Product name, for example bread",
              "amount": {
                "value": 10000,
                "offset": 100
              },
              "quantity": 1,
              "sale_amount": {
                "value": 100,
                "offset": 100
              },
              "country_of_origin": "country-of-origin",
              "importer_name": "name-of-importer-business",
              "importer_address": {
                "address_line1": "B8/733 nand nagri",
                "address_line2": "police station",
                "city": "East Delhi",
                "zone_code": "DL",
                "postal_code": "110093",
                "country_code": "IN"
              }
            }
          ],
          "subtotal": {
            "value": 20000,
            "offset": 100
          },
          "tax": {
            "value": 1000,
            "offset": 100,
            "description": "optional_text"
          },
          "shipping": {
            "value": 1000,
            "offset": 100,
            "description": "optional_text"
          },
          "discount": {
            "value": 1000,
            "offset": 100,
            "description": "optional_text",
            "discount_program_name": "optional_text"
          }
        }
      }
    }
  }
}

Step 3: Add Common Message Parameters

Once the interactive object is complete, append the other parameters that make a message: recipient_type, to, and type. Remember to set the type to interactive.

{
   "messaging_product": "whatsapp",
   "recipient_type": "individual",
   "to": "PHONE_NUMBER",
   "type": "interactive",
   "interactive": {
     // interactive object here
   }
 }

These are parameters common to all message types.

Step 4:Make a POST Call to Messages Endpoint

Make a POST call to the /[PHONE_NUMBER_ID]/messages endpoint with the JSON object you have assembled. If your message is sent successfully, you get the following response:

{
  "messaging_product": "whatsapp",
  "contacts": [ {
      "input": "[PHONE_NUMBER_ID]",
      "wa_id": "[PHONE-NUMBER_ID]"
  } ],
  "messages": [ {
      "id": "wamid.HBgLMTY1MDUwNzY1MjAVAgARGBI5QTNDQTVCM0Q0Q0Q2RTY3RTcA"
  } ]
}

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

Step 5: Consumer Pays for the Order

Consumers can pay using WhatsApp payment method or using any UPI supported app that is installed on the device.

Step 6: Get Notified About Transaction Status Updates from payment gateway

Businesses receive updates to the invoice via payment gateway webhooks, when the status of the user-initiated transaction changes. The unique identifier tr(reference-id passed in order_details message) can be used to map the transaction to the consumer invoice or interactive order details message.

Please refer to your PG’s documentation for the exact payment signals. If you are not receiving webhooks from your PG, then work with them to enable it.

Step 7: Update order status

Upon receiving transaction signals from payment gateway through webhook, the business must update the order status to keep the user up to date. Currently we support the following order status values:

Value	Description
`pending`	User has not successfully paid yet
`processing`	User payment authorized, merchant/partner is fulfilling the order, performing service, etc.
`partially-shipped`	A portion of the products in the order have been shipped by the merchant
`shipped`	All the products in the order have been shipped by the merchant
`completed`	The order is completed and no further action is expected from the user or the partner/merchant
`canceled`	The partner/merchant would like to cancel the `order_details` message for the order/invoice. The status update will fail if there is already a `successful` or `pending` payment for this `order_details` message

Typically businesses update the order_status using either the WhatsApp payment status change notifications or their own internal processes. To update order_status, the partner sends an order_status message to the user.

{
  "recipient_type": "individual",
  "to": "whatsapp-id",
  "type": "interactive",
  "interactive": {
    "type": "order_status",
    "body": {
      "text": "your-text-body-content"
    },
    "action": {
      "name": "review_order",
      "parameters": {
        "reference_id": "reference-id-value",
        "order": {
          "status": "processing | partially_shipped | shipped | completed | canceled",
          "description": "optional-text"
        }
      }
    }
  }
}

The following table describes the returned values:

Value	Description
`reference_id`	The ID provided by the partner in the `order_details` message
`status`	The new order `status`
`description`	Optional text for sharing status related information in `order_details`. Could be useful while sending cancellation. Max character limit is 120 characters

Merchant should always post this order-status message to consumer after receiving transaction updates for an order. As the order_details message and order details screen experience is tied to to the order status updates.

Step 8: Reconcile Payments

Businesses should use their bank statements to reconcile the payments using the reference_id provided in the order_details messages.

Merchant Preferred UPI Payment Method

Now merchants can specify up to one UPI Payment app to showup in checkout flow. Merchant preferred payment app will be shown on top of the list of available UPI apps in - “Choose payment method” screen. To enable this capability we require partners to specify the external app-id in the Order Details or order-invoice message.

Note: This feature is available on consumer apps on and above version: 2.24.21.0

Updates to Order Details Payload

{
  "messaging_product": "whatsapp",
  "interactive": {
    "action": {
      "name": "review_and_pay",
      "parameters": {
         "preferred_payment_methods": [
             {
                "method": "Application-ID"
             }
          ]
          ....
      }
      "order": ..
      }
    }
  }
}

List of supported apps:

UPI Application	Application ID to be passed in Order Details payload
Google Pay	gpay
PhonePe	phonepe
PayTm	paytm
Amazon Pay	amazonpay
CRED	cred
Mobikwik	mobikwik

Checklist for Integrated Merchants

Ensure that order_status message is send to consumer informing them about updates to an order after receiving transaction updates for an order.

Ensure the merchant is verified and WABA contact is marked with a verified check.

Verify the WABA is mapped to appropriate merchant initiated messaging tier(1k, 10k and 100k per day)

Merchant should list the customer support information in the profile screen incase consumer wants to report any issues.

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