WhatsApp Payments for Indian businesses
Accept UPI, cards, netbanking and wallets inside WhatsApp — powered by Razorpay, PayU, Cashfree or Paytm. GST-compliant invoices, COD-to-prepaid recovery and zero MDR on UPI.
- 0% MDR on UPI
- GST-compliant invoices
- COD-to-prepaid built-in
- Razorpay / PayU / Cashfree / Paytm
Key things to know
All UPI apps supported
GPay, PhonePe, Paytm, BHIM, Amazon Pay, Cred and 50+ UPI apps via standard NPCI rail.
Cards, EMI, netbanking
Visa, Mastercard, Rupay, Amex, Bajaj Finserv EMI, all major netbanking and wallets.
RBI-compliant tokenization
Card storage and tokenization handled by PCI-DSS L1 partners as per RBI 2022 guidelines.
GST invoices auto-sent
GSTIN, HSN/SAC, tax breakup and signed PDF invoice delivered on WhatsApp after every payment.
People also ask
Q.Is WhatsApp Payments available in India?
Yes. WhatsApp Payments in India runs on UPI rails (NPCI) and is live for consumer P2P and merchant payments. Businesses can accept UPI inside WhatsApp via the Business Platform with partner PSPs like Razorpay, PayU, Cashfree and Paytm.
Q.What payment methods are supported for Indian businesses?
Inside WhatsApp: UPI (all apps — GPay, PhonePe, Paytm, BHIM), credit and debit cards (Visa, Mastercard, Rupay), netbanking and wallets via the connected PSP. We also support EMI options where the PSP supports it.
Q.What about GST invoices and reconciliation?
Every successful payment auto-triggers a GST-compliant invoice template message with HSN/SAC codes, GSTIN and tax breakup. Reconciliation files (CSV / Tally / Zoho Books) can be exported daily.
Q.Are there RBI / KYC concerns I need to handle?
No additional KYC beyond your existing PSP merchant onboarding. We don't store card or UPI data — that lives with your PCI-DSS L1 payment partner. Tokenization complies with RBI's 2022 card-storage guidelines.
Q.How much does it cost?
WhatsApp charges its standard Indian conversation rate. UPI MDR is currently 0% as per NPCI. Card MDR is your PSP's standard rate. LandinChat adds no surcharge. See the pricing page for plans.
Q.Can I run COD-to-prepaid conversion campaigns?
Yes — this is one of the highest-ROI use cases in India. Send pre-dispatch WhatsApp messages with one-tap UPI pay links and a small discount to convert COD orders to prepaid and cut RTO by 25–40%.
Why WhatsApp Payments works so well in India
India processed over 18 billion UPI transactions in a single month in 2025. WhatsApp has over 535M Indian users. When you put UPI checkout inside the chat where your customer already lives, conversion stops being a funnel problem and starts being a button-click problem.
For D2C and e-commerce brands, the highest-leverage use case is COD-to-prepaid conversion. A single pre-dispatch WhatsApp with a one-tap UPI link and a 2–5% prepaid discount routinely cuts RTO (return-to-origin) by 25–40% — pure margin recovered.
LandinChat integrates with Razorpay, PayU, Cashfree, Paytm and Phonepe Business. We trigger payment requests from broadcasts, click-to-WhatsApp ads, abandoned cart flows or chatbot replies — and auto-send GST-compliant invoices on success.
Built for serious growth teams
All UPI apps supported
GPay, PhonePe, Paytm, BHIM, Amazon Pay, Cred and 50+ UPI apps via standard NPCI rail.
Cards, EMI, netbanking
Visa, Mastercard, Rupay, Amex, Bajaj Finserv EMI, all major netbanking and wallets.
RBI-compliant tokenization
Card storage and tokenization handled by PCI-DSS L1 partners as per RBI 2022 guidelines.
GST invoices auto-sent
GSTIN, HSN/SAC, tax breakup and signed PDF invoice delivered on WhatsApp after every payment.
Shopify / WooCommerce sync
Cart, order and inventory data stays in sync with your storefront in real time.
Refunds & disputes
One-click refunds from inbox; auto-notify the customer in the same WhatsApp thread.
Get live in days, not months
- 1
Connect a PSP
OAuth into Razorpay, PayU, Cashfree or Paytm. We pre-fill webhook URLs and keys.
- 2
Upload your catalogue
Sync products from Shopify / WooCommerce / Unicommerce or upload CSV.
- 3
Build the pay flow
Use templates for COD recovery, abandoned cart, renewals or new-order checkout.
- 4
Launch campaign
Trigger from broadcasts, click-to-WhatsApp ads, keyword bots or 1-to-1 chats.
- 5
Track & reconcile
Daily settlement and Tally / Zoho exports. Live revenue dashboard in LandinChat.
What teams ship with this
COD-to-prepaid
Pre-dispatch UPI nudge with discount cuts RTO 25–40% for D2C and e-commerce.
Abandoned cart
One-tap UPI checkout for carts abandoned in last 24 hours. 8–15% revenue recovery.
Subscription renewals
Auto pay-link 7 days before expiry for OTT, edtech, SaaS and societies.
Society & maintenance fees
Apartment / RWA fee collection inside WhatsApp groups with auto receipts.
Coaching & edtech
Sell course access, batches and books with EMI options inside chat.
Event ticketing
Movies, concerts, workshops — sell tickets and auto-deliver QR via WhatsApp.
Frequently asked questions
WhatsApp Pay India in 2026: where it stands
WhatsApp Pay is live in India as a TPAP on UPI, with NPCI-imposed onboarding caps. Enrolment for new users is throttled, so a "Pay on WhatsApp" button that requires the sender's WhatsApp Pay to be provisioned will silently fail for ~40% of Indian shoppers. The pragmatic pattern is native Pay where available, Razorpay/PhonePe/Cashfree UPI link everywhere else, presented inside the same WhatsApp thread so the shopper never leaves.
Rails: native UPI vs Razorpay link
| Rail | Setup effort | Coverage | Conversion delta |
|---|---|---|---|
| WhatsApp Pay (native) | TPAP onboarding, NPCI cap | 60% of Indian users | Baseline |
| Razorpay UPI Intent link | 1-hour integration | 100% of UPI users | -3% vs native |
| PhonePe / Cashfree link | Similar to Razorpay | 100% | -3–5% |
| Card / netbanking link (fallback) | Free with any PG | 100% | -12% |
Order-to-collect flow in chat
- Customer confirms cart → server creates Razorpay/PG order.
- Payment link template sent as Utility message (cheap + high deliverability).
- Customer taps → UPI intent opens native UPI app → pays.
- PG webhook → LandinChat → confirmation template + order status update.
- Reconciliation: PG order_id ↔ WhatsApp message wamid ↔ store order.
NPCI + TPAP constraints
Conversion benchmarks (India D2C, 2026)
| Metric | Median | Top decile |
|---|---|---|
| Payment-link CTR | 68% | 84% |
| Link → paid conversion | 52% | 74% |
| Overall cart → paid via WhatsApp | 26% | 44% |
| Time to payment (median) | 1m 40s | 38s |
Related: Catalog + Payments · Razorpay integration · Flows.
Ready to ship on WhatsApp?
Talk to our team about plans, onboarding and how LandinChat fits your stack.