Guide
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.
By WatsBerry8 min read
Quick answers
- 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.
Choose a WhatsApp payment path on WatsBerry
- 1
Decide India native Payments vs a hosted payment link
Meta Review & Pay (WhatsApp Payments India) shows a native invoice. Razorpay Payment Links send a Pay now URL. Shopify website checkout is a third desk, recovery uses the Shopify URL, not a catalogue invoice.
- 2
If you are in India and want Review & Pay
Create the merchant account at Razorpay, PayU, BillDesk, or Zaakpay. Link it in WhatsApp Manager → Payment configurations (India). Paste the exact configuration name into WatsBerry. WatsBerry does not store those PG API keys for this mode.
- 3
If you need a generated Pay now link
Use Razorpay keys on WhatsApp Orders → Payments (Payment Links and UPI Intent fallback). Form “Pay now” also uses the Razorpay payment-link path. PayU/BillDesk are not wired as Payment Link APIs.
- 4
Collect a real amount, then send on Cloud API
Catalogue order, Service Payment form, or an existing invoice, not a cold “pay something” blast. Keep Meta billing and the WatsBerry wallet funded.
- 5
Do not copy India rails onto a UAE storefront
UPI and Razorpay WhatsApp Pay as documented for India are not local Dubai benefits. Official Cloud API still works worldwide; checkout methods are confirmed at invite.
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.
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, 0% markup.
- 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.
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