Payments API — India
Updated: Nov 26, 2025 Payments API enable businesses to accept payments from their customers through all UPI Apps installed on their device and other payment methods like cards, NetBanking, and wallets via WhatsApp. Businesses can sends invoice (order_details) messages to their customers, then get notified about payment status updates via webhook notifications from Payment Gateway.
Know the differences in the models of integration
The choice between the two models of intergration relies on what Payment Gateway the merchant/business uses. There are 2 models of integration and they differ in the following ways: UPI Intent Mode: This mode can be used with any Payment Gateway provided they support UPI Intent generation. Payment Gateway Deep Integration Mode: Currently supported for Razorpay, PayU, Billdesk and Zaakpay only.| User Experience | UPI Intent Mode | Payment Gateway Deep Integration Mode |
|---|---|---|
| Native support for “Other payment methods” Eg: Netbanking, cards, wallets | ❌ Alternative: Send payment links | ✅ |
| Native support for UPI Intent | ✅ | ✅ |
| Native Payment Status Notification | ❌ | ✅ |
| Integration Features | UPI Intent Mode | Payment Gateway Deep Integration Mode |
|---|---|---|
| Refunds from Whatsapp APIs | ❌ | ✅ |
| Payment Status from Whatsapp webhooks | ❌ | ✅ |
Pre-requisites for integration
Essential Payments APIs are available at SP/TP Access to merchant order trigger APIs / CSVs needed to trigger an order. (eg: amount, goods/service details) Access to payment posting APIs needed to close an order (eg: ticket generation APIs to create tickets once payment is received)Full payment gateway deep integration mode
Find out PG account owner: This is to authorize the linking of their account to Whatsapp Business Manager.UPI intent mode
Find out VPA IDs, MCC and PC for business from merchant’s PG. Access to PG API docs: UPI Intent S2S calls Webhook configuration for payment statusExample use cases and features needed
| Use case | Essential Feature Set |
|---|---|
| Buying Tickets eg: Metro, bus, event tickets | Order Details Message Payment Status Webhook/API Order Status Message Refund |
| Payment Reminders Example: Bill payments, subscription renewals, insurance renewals | Order Details Template Payment Status Webhook/API Order Status Message Refund |
Support
Incase you run into issue, reach out to direct support. Make sure to choose the correct case type: “WaBiz: Business Payments API” so you get a faster resolution. Signup for office hours. Make sure to write down your issues in the form provided Did you find this page helpful?
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Know the differences in the models of integration
Pre-requisites for integration
Full payment gateway deep integration mode
UPI intent mode
Example use cases and features needed
Support