WhatsApp Payments: Boost Your Business with Instant Money Transfers

The ongoing digitalization of the economy, aspiring businesses expect improved mechanisms for payments that are convenient for both customers and merchants, secure, and efficient. WhatsApp Payments is a game-changer, which allows you to send or receive money using WhatsApp directly. This feature improves customer experience, transaction efficiency, and establishes trust between you and your customer.

What is WhatsApp Payments?

WhatsApp Payments is a form of in-chat payment to enable users to transfer money seamlessly through WhatsApp. WhatsApp Payments is integrated with the Unified Payments Interface (UPI) in India, and it allows real-time payments from your bank to another bank – no more switching programs to complete payment transactions.

Benefits of WhatsApp Payment Feature: For Businesses Using WhatsApp Business API (WABA)

Adding payments as a feature to WhatsApp is more than a feature. This can move WhatsApp from a communication tool to a commerce platform. For businesses that are using the WhatsApp Business API, there are a number of strategic, operational, and customer experience benefits:

Complete Conversational Commerce

•         Inquiry –> Browse –> Order –> Payment –> Confirmation, all done in a single WhatsApp Thread. 
•         In-app payment means no more redirecting users to outside websites or apps.
•         Drop offs are massively reduced, and especially more reduced at the payment instance.

Faster Conversions, Less Abandonment

•         Payment can be initiated once the customer has said “yes”.
•         Businesses can immediately share payment links/QR codes.
•         Speed of payment = supports impulsive buying, which increases conversions.

Less Friction during Checkout

•         No more complex integrations to (Google) Pay or web-based payment gateways or shopping cart applications to purchase. 
•         Use less friction for users and build more trust, which is very important in local markets.

Familiarity & Trust

•         WhatsApp is incredibly trusted and many people rely on WhatsApp communication in countries such as India, Brazil & Indonesia when shopping which increases trust.
•         Customers feel more comfortable making payments on WhatsApp vs. an unknown third party platform.

Automated Payment Reminders and Receipts

•         Automate reminders for unpaid invoices or abandoned carts.
•         Immediately send payment confirmations and digital receipts right after payment.

Hyper Personalized Upsell

AI’s or agents can already quickly present follow-on relevant add-ons and upgrades with a one-click payment in chat. Example: “Do you want to add a gift wrap for ₹50?” → Pay Now → Done.

Supports Subscription or Installment Models

•         Businesses that offer EMI, monthly services, or subscriptions can set a recurring payment reminder or link in chat.
•         WhatsApp can be a mini-CRM + payment service

Automates with CRMs & ERPs

Through platforms like Cunnekt you can automatically link WhatsApp payments into your CRM, which means you can monitor LTV (Lifetime Value), Order history, and campaigns for recovery.

Reduction in Customer Support Costs

•         There are fewer drop offs without individual payments and with integrated payments there is much less hand-holding, brief follow up calls and troubleshooting.
•         Business will have reduced manpower and time costs while increasing customer satisfaction.

Able to Scale for SMBs, Large Enterprises

•         The WhatsApp Payments feature works for both local corner stores as well as D2C brands.
•         With third-party platforms like Cunnekt, anyone can be up and running in seconds on Shopify, WooCommerce, Razorpay, PayU, etc.

Benefits of the WhatsApp Payment Feature: For WhatsApp Users (Customers)

For the end user, WhatsApp Payments brings the same ease and comfort they love in chat, to sending money and buying things.

Frictionless Payment Experience

•         Users will not have to copy-paste UPI ids or scan QR codes outside of the chat.
•         Users can simply tap to pay in the native experience in chat.

Familiar and Safe Interface        

•         WhatsApp already has social capital–trusted, encrypted, and personal.   
•         Users feel relatively safe transacting with known businesses on WhatsApp than they do with apps or websites that are unknown to them.   

No New Apps to Download   

•         We aren’t switching between apps, and there are no card details to enter.   
•         Let’s lower the time, and increase the impulsive purchasing.   

Instant Payment Confirmations  

•         Real-time notifications and receipts in the chat window.   
•         Users are able to track what payment was made, when, and for what purpose all in one thread.   

Easier Peer-to-Peer Transfers 

•         WhatsApp Payments makes splitting bills, paying rent, or sending money to family as easy as sending a message for everyday users.       
•         Especially useful in regions where digital banking literacy is still emerging.   

Localized Language & Accessibility   

•         WhatsApp’s interface accommodates regional language variations.   
•         Payments can be made in the user’s preferred language without any complexity.   

Better Support from Businesses   

•         Need a refund?  Or an invoice? Right in the chat.   
•         Quick resolutions to issues, with no hold music or ticket numbers.        

Setting Up WhatsApp Business Payment

If you adopted WhatsApp Business Payment, follow the steps below:

Download WhatsApp Business App

Check that you have the latest version.

Go to Payments

In the bottom right corner, go to ‘Settings’ > ‘Payments’.

Add Payment Method

Click on ‘Add Payment Method’, Select your Bank from the list.

Verify Account

Then, you can log in with your mobile number, which you must link with your UPI account (the preferred payment method) and create your UPI PIN.

When you successfully set WhatsApp Payments up, you can easily send or receive payments in the chat. You can improve the transactional experience for both you and your customers.

WhatsApp Business Money Transfer – Benefits

1. Seamless Transactions

With WhatsApp Money Transfer, you can request and receive payments without taking the customer to an outside platform. This reduces friction and enhances the likelihood of completed transactions.

2. Increased Trust

You can safely transact in a reliable and familiar system such as WhatsApp, increasing confidence in your customer. Security by end to end encryption will help to make customers feel safe, and foster trust in your brand.

3. Immediate Notifications

When payments are complete, businesses will immediately be notified so that orders can be processed quickly and customers are likely to have a better overall experience with your business.

4. A Cost Saving Service

Opting to use WhatsApp Business Money Transfer may save you more on transaction costs than some payment gateways charge and therefore could be a more affordable option for small and medium businesses.

How to Use WhatsApp Payments for Your Business

Now that you are able to find the benefit of WhatsApp Business Payment, you can use the following examples to help you.

Integrate with your CRM Systems

Your ability to integrate WhatsApp Payments with your CRM tools will help you to manage consumer order tracking and communications.

Automate Payment Requests

Automate payment requests with chatbots so you can send customers automatic payment reminders instead of trying to make manual follow-ups.

Advertise your Payment Options

Inform consumers that WhatsApp Payments is an option for them. Spread the word through your marketing channels.

Use Transaction Data

Study payment patterns when attempting to inform business decisions or to improve what you offer your consumers.

Why Cunnekt is the Best Platform to Enable WhatsApp Payments for Your Business?

Cunnekt has end-to-end integration and enterprise level automation to enable you to leverage WhatsApp Business API including the Payments module.  Here’s what makes Cunnekt better:

Plug-and-Play Payment Integration

•         Integrates with major Indian payment gateways such as Razorpay, PayU, CashFree, and CCAvenue, and more.
•         No need to code your own payment module, Cunnekt does it all for you.

Automated Flows for Checkout, Reminders, and Abandonment Recovery

•         Create conversational flows that automatically trigger payment links based on behavior.
•         Customer abandons their cart? Cunnekt automatically pings the user with a reminder + payment link.

Real-Time Analytics and Reporting

•         Monitor payment success rates, drop-off points, revenue being generated from WhatsApp, and ROI all in one dashboard.
•         Helps you adjust your market and sales strategy more easily.

CRM Integrations for Personalized Payment Experience

•         Cunnekt connects with HubSpot, Zoho, Salesforce, etc. through CRMs.
•         Offers are sent with one-tap payment to segmented audiences.

AI-Powered ChatBot Support

•         Cunnekt’s chatbot takes care of FAQs, generates invoices, shares payment links, and collects feedback.
•         It never sleeps; it always runs even when an agent is offline.

Secure and Compliant

•         Fully encrypted, compliant with data protection standards.
•         Integrated with official WhatsApp APIs; you won’t be banned for using our service and your data cannot be leaked.

Multi-Industry Use Cases

You could be a D2C Brand, a logistics company, a restaurant, an Ed.Tech. company or a healthcare provider – Cunnekt configures the payment experience according to you.

Dedicated Support + On-boarding

Cunnekt provides white-glove on-boarding experience, configuration support and customer success 24/7.

Increase Conversions by up to 3X

Client use of Cunnekt has shown up to a 3X increase in conversion rates because of Unfettered Checkout and Instant Pay Links.

Unlimited Customizations

Cunnekt allows you to custom-build workflows for your exact requirements: ID EMI collection, auto-debit permission, subscription management, one-off payments, and more.

Conclusion

Payments on WhatsApp are changing the way customers shop and pay; for businesses, it’s becoming an essential part of the conversational commerce toolkit. Cunnekt leads the way in offering a way to confidently enable this feature safely, with efficiency, and affordably—making payment seamless in conversations and not just transactions.

“Don’t just chats – close deals, get paid, and grow your business on WhatsApp with Cunnekt.”

About the Writer

With a passion for technology, I help innovative businesses tell their stories and bring their visions to life through engaging narratives and compelling content.

JGaurav Sinandi