WhatsApp payment gateways: India Payments vs payment links

Two honest paths: Meta WhatsApp Payments (India) Review & Pay, and generated Razorpay payment links / UPI Intent. Do not sell India rails as UAE or global checkout.

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Three desks: India Payments, payment links, Shopify checkout

Searching WhatsApp payment gateways mixes products that WatsBerry keeps separate.

Path	What the customer sees	Where it is true	WatsBerry truth
Meta Review & Pay	Native WhatsApp invoice	WhatsApp Payments India	Razorpay, PayU, BillDesk, or Zaakpay linked in WhatsApp Manager. We store the Meta configuration name, not those PG secrets
Razorpay Payment Link / UPI Intent	Pay now URL, or in-chat UPI when Meta can fetch a QR	India Razorpay merchant	Generated from Razorpay keys. QR failure falls back to a Payment Link. Form Pay now uses this path
Manual UPI	Your VPA / QR	You operate it	You mark Paid. No auto-capture
Shopify checkout URL	Store checkout (card, COD, whatever the shop offers)	Any country you sell on Shopify	Cart recovery — not a catalogue invoice

Step-by-step Razorpay / PayU split: Razorpay WhatsApp payment link. Catalogue orders: catalogue commerce.

We do not claim WatsBerry is an RBI-regulated aggregator or a PayU Payment Link API. UPI / Razorpay WhatsApp Pay is not a UAE (or global) checkout default. Dubai guide: WhatsApp Business API Dubai.

Join the waitlist. Hub: WhatsApp integrations.

How a Pay now actually leaves the chat

1. Customer is in a real job. Catalogue checkout, a Service Payment form (amount due), or a reminder for an existing order. Cold “pay now” list blasts are a policy and trust problem.

2. Official Cloud API send. Inside the care window, or an approved template in the right category (usually utility for an existing amount; marketing if you are promoting).

3. Settlement and webhooks. Review & Pay: Meta notifies paid. Razorpay Payment Links: shop payment_link.paid / payment.captured on your Razorpay keys — not WatsBerry Billing’s Razorpay. Agents can Sync payment status. Slack can ping catalogue payment received — Slack alerts.

4. Shopify is optional and separate. Shopify integration recovers website checkouts. Do not tell a UAE Shopify merchant that India WhatsApp Pay is their local rail.

Go-live without over-claiming

One payment mode enabled; test a small amount.
Address-before-pay on physical catalogue goods.
Correct shop Razorpay webhook if you use Payment Links.
Meta payment method and WatsBerry wallet funded — dual billing.
Verify conversation rates on Meta’s pricing docs.

Public pricing lists Payment Gateway (Razorpay on plans that include it). Entitlements are confirmed at invite.

Next: features, solutions. Ready to collect on official WhatsApp? Join the beta waitlist.

Frequently asked questions

Is WhatsApp Payments available outside India?

Meta’s in-chat Payments / Review & Pay configuration documented here is the India product. Do not treat UPI, Razorpay WhatsApp Pay, or INR-only public plan cards as UAE or global benefits. Official Cloud API still works in other countries; local checkout is confirmed at invite.

Does WatsBerry generate PayU payment links like Razorpay?

No. Generated Payment Links and UPI Intent fallback are Razorpay. PayU, BillDesk, and Zaakpay appear on Meta Review & Pay (India) as configuration names — see /resources/razorpay-whatsapp-payment-link.

Where does the money settle?

In your payment-gateway (or bank on manual UPI) merchant account — not in WatsBerry Billing. WatsBerry still bills plan + wallet; Meta bills conversation/template usage.

How do I get access?

Join /waitlist. Public pricing lists Payment Gateway on the comparison table; exact entitlements are confirmed at invite.