Receive payments via payment gateways on WhatsApp

Updated: Nov 25, 2025 Your business can enable customers to pay for their orders through our partner payment gateways without leaving WhatsApp. Businesses can send customers order_details messages, then get notified about payment status updates via webhook notifications.

Overview

Currently, customers browse business catalogs, add products to cart, and send orders with our set of commerce messaging solutions, which includes Single Product Message, Multi Product Message, and Product Detail Page. Now, with the Payments API, businesses can send customers a bill, so the customer can complete their order by paying the business without having to leave WhatsApp. Our payments solution is currently enabled by BillDesk, Razorpay, PayU and Zaakpay, a third-party payments service provider. You must have a BillDesk, Razorpay, PayU or Zaakpay account in order to receive payments on WhatsApp. We expect more payment providers to be added in the future.

How it works

First, the business composes and sends an order_details message. An order_details message is a new type of interactive message, which always contains the same 4 main components: header, body, footer, and action. Inside the action component, the business includes all the information needed for the customer to complete their payment. Each order_details message contains a unique reference_id provided by the business, and that unique ID is used throughout the flow to track the order. Once the message is sent, the business waits for a payment status update via webhooks. Businesses get notified when the payment status changes, but they must not solely rely on these webhooks notifications due to security reasons. WhatsApp also provides a payment lookup API that can be used to retrieve the payment statuses directly anytime.

Purchase flow in app

In the WhatsApp Messenger App, the purchase flow has the following steps: Customers send an order with selected products to the business either through simple text messages or using other interactive messages such as Single Product Message, Multi Product Message, and Product Detail. Once the business receives the order, they send an order_details message to the user. When the user taps on Review and Pay, they will see details about the order and total amount to be paid. When the user taps the Continue button, they are able to choose to pay natively on WhatsApp or any other UPI app. Checkout with WhatsApp Pay:

Checkout on other UPI Apps:

Once the payment has been confirmed by your payment gateway (PG) or payment service provider, the business can start processing the order. Businesses can then send an order_status message to the consumer informing them about the status of the order. Each message will result in a message bubble (as shown below) that refers to the original order details message and also updates the status displayed on the order details page.

Link your payment account

To receive payments on WhatsApp, you must add a payment configuration to the corresponding WhatsApp Business Account. A payment configuration allows you to link a payment gateway account to WhatsApp. Each payment configuration is associated with a unique name. As part of the order_details message, you can specify the payment configuration to use for a specific checkout. WhatsApp will then generate a checkout flow using the associated payment gateway account.

After linking your payment partner account, you must integrate with the Payments APIs below. This will allow you to send an order_details message to customers with the payment configuration to receive payments.

Steps to unlink Payment Configuration

Note: Make sure no new order messages requesting payment from consumer are sent with the payment config your are trying to remove before you perform the unlink action.

Integration Steps

The steps outlined below assume that the business already knows what the user is interested in through earlier chat threads. The Payments API is a standalone API and hence can work with various messages such as List Messages, Reply Buttons, Single or Multi-Product Messages.

Sequence Diagram

The following sequence diagram demonstrates the typical integration flow for Payments API. The steps highlighted in green are the key integration steps.

Step 1: Send Order Details Interactive Message

To send an order_details message, businesses must assemble an interactive object of type order_details with the following components:

Object	Description
`type` object	Required. Must be “order_details”.
`header` object	Optional. Header content displayed on top of a message. If a header is not provided, the API uses an image of the first available product as the header
`body` object	Required. An object with the body of the message. The object contains the following field: `text` string Required if `body` is present. The content of the message. Emojis and markdown are supported. Maximum length is 1024 characters
`footer` object	Optional. An object with the footer of the message. The object contains the following fields: `text` string Required if `footer` is present. The footer content. Emojis, markdown, and links are supported. Maximum length is 60 characters
`action` object	Required. An action object you want the user to perform after reading the message. This action object contains the following fields: `name` string Required. Must be “review_and_pay” `parameters` object See Parameters Object for information

Parameters Object

Object	Description
`reference_id` string	Required. Unique identifier for the order or invoice provided by the business. It is case sensitive and cannot be an empty string and can only contain English letters, numbers, underscores, dashes, or dots, and should not exceed 35 characters. The reference_id must be unique for each order_details message for a given business. If there is a need to send multiple order_details messages for the same order, it is recommended to include a sequence number in the reference_id (for example, “BM345A-12”) to ensure reference_id uniqueness.
`type` object	Required. The type of goods being paid for in this order. Current supported options are `digital-goods` and `physical-goods`.
`beneficiaries` array	Required for shipped physical-goods. An array of beneficiaries for this order. A beneficiary is an intended recipient for shipping the physical goods in the order. It contains the following fields: Note: Beneficiary information isn’t shown to users but is needed for legal and compliance reasons. `name` string Required. Name of the individual or business receiving the physical goods. Cannot exceed 200 characters `address_line1` string Required. Shipping address (Door/Tower Number, Street Name etc.). Cannot exceed 100 characters `address_line2` string Optional. Shipping address (Landmark, Area, etc.). Cannot exceed 100 characters `city` string Required. Name of the city. `state` string Required. Name of the state. `country` string Required. Must be “India”. `postal_code` string Required. 6-digit zipcode of shipping address.
`currency`	Required. The currency for this order. Currently the only supported value is `INR`.
`total_amount` object	Required. The `total_amount` object contains the following fields: `offset` integer Required. Must be `100` for `INR`. `value` integer Required. Positive integer representing the amount value multiplied by offset. For example, ₹12.34 has value 1234. `total_amount.value` must be equal to `order.subtotal.value` + `order.tax.value` + `order.shipping.value` - `order.discount.value`.
`payment_settings` object	Required. See Payment Settings object for more information.
`order` object	Required. See order object for more information.

Payment settings object

Object	Description
`type` string	Required. Must be set to “payment_gateway”
`payment_gateway` object	Required. An object that describes payment account information: `type` string Required. Unique identifier for an item in the order. You must set this to “billdesk” or “razorpay” or “payu” or zaakpay, if you have linked your BillDesk or Razorpay or PayU or Zaakpay payment gateway to accept payments `configuration_name` string Required. The name of the pre-configured payment configuration to use for this order and must not exceed 60 characters. This value must match with a payment configuration set up on the WhatsApp Business Manager as shown here. When `configuration_name` is invalid, the customer will be unable to pay for their order. We strongly advise businesses to conduct extensive testing of this setup during the integration phase. `billdesk/razorpay/payu/zaakpay` object Optional. For merchants/partners that want to use additional_info1/7(for BillDesk), notes and receipt(for Razorpay) and UDF fields(for PayU) and extra1/2(for Zaakpay), they can now pass these values in Order Details message and we would use these to create transaction/order at respective PGs. Please refer Payment Gateway specific UDF object for more information.

BillDesk, RazorPay, PayU and Zaakpay fields

We now have support for partners and merchants to pass notes, receipt and udf fields in Order Details message and receive this data back in payment signals. Here we will take a look at merchants can pass additional_info for BillDesk, notes and receipt fields for Razorpay, udf for PayU, extra for Zaakpay PGs.

Object	Description
`notes` object	Optional. Only supported for Razorpay payment gateway The object can be key value pairs with maximum 15 keys and each value limits to 256 characters.
`receipt` String	Optional. Only supported for Razorpay payment gateway Receipt number that corresponds to this order, set for your internal reference. Maximum length of 40 characters supported with minimum length greater than 0 characters.
`udf1-4` String	Optional. Only supported for PayU payment gateway User-defined fields (udf) are used to store any information corresponding to a particular order. Each UDF field has a maximum character limit of 255.
`extra1-2` String	Optional. Only supported for Zaakpay payment gateway User-defined fields (extra) are used to store any information corresponding to a particular order. Each extra field has a maximum character limit of 180.
`additional_info1-7` String	Optional. Only supported for BillDesk payment gateway User-defined fields (extra) are used to store any information corresponding to a particular order. Each extra field has a maximum character limit of 120.

Order object

Object	Description
`status` string	Required. Only supported value in the `order_details` message is `pending`. In an `order_status` message, `status` can be: `pending`, `captured`, or `failed`.
`type` string	Optional. Only supported value is `quick_pay`. When this field is passed in we hide the “Review and Pay” button and only show the “Pay Now” button in the order details bubble.
`items` object	Required. An object with the list of items for this order, containing the following fields: `retailer_id` string Optional. Content ID for an item in the order from your catalog. `name` string Required. The item’s name to be displayed to the user. Cannot exceed 60 characters `image` object Optional. Custom image for the item to be displayed to the user. See item image object for information Using this image field will limit the items array to a maximum of 10 items and this cannot be used with `retailer_id` or `catalog_id`. `amount` amount object with value and offset — refer total amount field above Required. The price per item `sale_amount` amount object Optional. The discounted price per item. This should be less than the original amount. If included, this field is used to calculate the subtotal amount. `quantity` integer Required. The number of items in this order, this field cannot be decimal has to be integer. `country_of_origin` string Required if `catalog_id` is not present. The country of origin of the product `importer_name` string Required if `catalog_id` is not present. Name of the importer company `importer_adress` string Required if `catalog_id` is not present. Address of importer company
`subtotal` object	Required. The value must be equal to sum of `order.amount.value` \* `order.amount.quantity`. Refer to `total_amount` description for explanation of `offset` and `value` fields The following fields are part of the `subtotal` object: `offset` integer Required. Must be `100` for `INR` `value` integer Required. Positive integer representing the amount value multiplied by offset. For example, ₹12.34 has value 1234
`tax` object	Required. The tax information for this order which contains the following fields: `offset` integer Required. Must be `100` for `INR` `value` integer Required. Positive integer representing the amount value multiplied by offset. For example, ₹12.34 has value 1234 `description` string Optional. Max character limit is 60 characters
`shipping` object	Optional. The shipping cost of the order. The object contains the following fields: `offset` integer Required. Must be `100` for `INR` `value` integer Required. Positive integer representing the amount value multiplied by offset. For example, ₹12.34 has value 1234 `description` string Optional. Max character limit is 60 characters
`discount` object	Optional. The discount for the order. The object contains the following fields: `offset` integer Required. Must be `100` for `INR` `value` integer Required. Positive integer representing the amount value multiplied by offset. For example, ₹12.34 has value 1234 `description` string Optional. Max character limit is 60 characters `discount_program_name` string Optional. Text used for defining incentivised orders. If order is incentivised, the merchant needs to define this information. Max character limit is 60 characters
`catalog_id` object	Optional. Unique identifier of the Facebook catalog being used by the business. If you do not provide this field, you must provide the following fields inside the items object: `country_of_origin`, `importer_name`, and `importer_address`
`expiration` object	Optional. Expiration for that order. Business must define the following fields inside this object: `timestamp` string – UTC timestamp in seconds of time when order should expire. Minimum threshold is 300 seconds `description` string – Text explanation for expiration. Max character limit is 120 characters

Item Image Object

Object	Description
`link` string	Required. A link to the image that will be shown to the user. Must be an `image/jpeg` or `image/png` and 8-bit, RGB or RGBA. Follows same requirements as image in media

The parameters value is a stringified JSON object. By the end, the interactive object should look something like this for a BillDesk catalog-based integration:

\{
  "interactive": {
    "type": "order_details",
    "header": {
      "type": "image",
      "image": {
        "link": "http(s)://the-url",
        "provider": {
          "name": "provider-name"
        }
      }
    },
    "body": {
      "text": "your-text-body-content"
    },
    "footer": {
      "text": "your-text-footer-content"
    },
    "action": {
      "name": "review_and_pay",
      "parameters": {
        "reference_id": "reference-id-value",
        "type": "digital-goods",
        "payment_settings": [\
          {\
            "type": "payment_gateway",\
            "payment_gateway": {\
              "type": "billdesk",\
              "configuration_name": "payment-config-id",\
              "billdesk": {\
                "additional_info1": "additional_info1-value",\
                "additional_info2": "additional_info2-value",\
                "additional_info3": "additional_info3-value",\
                "additional_info4": "additional_info4-value",\
                "additional_info5": "additional_info5-value",\
                "additional_info6": "additional_info6-value",\
                "additional_info7": "additional_info7-value",\
              }\
            }\
          }\
        ],
        "currency": "INR",
        "total_amount": {
          "value": 21000,
          "offset": 100
        },
        "order": {
          "status": "pending",
          "catalog_id": "the-catalog_id",
          "expiration": {
            "timestamp": "utc_timestamp_in_seconds",
            "description": "cancellation-explanation"
          },
          "items": [\
            {\
              "retailer_id": "1234567",\
              "name": "Product name, for example bread",\
              "amount": {\
                "value": 10000,\
                "offset": 100\
              },\
              "quantity": 1,\
              "sale_amount": {\
                "value": 100,\
                "offset": 100\
              }\
            }\
          ],
          "subtotal": {
            "value": 20000,
            "offset": 100
          },
          "tax": {
            "value": 1000,
            "offset": 100,
            "description": "optional_text"
          },
          "shipping": {
            "value": 1000,
            "offset": 100,
            "description": "optional_text"
          },
          "discount": {
            "value": 1000,
            "offset": 100,
            "description": "optional_text",
            "discount_program_name": "optional_text"
          }
        }
      }
    }
  }
}

The parameters value is a stringified JSON object. By the end, the interactive object should look something like this for a RazorPay catalog-based integration:

\{
  "interactive": {
    "type": "order_details",
    "header": {
      "type": "image",
      "image": {
        "link": "http(s)://the-url",
        "provider": {
          "name": "provider-name"
        }
      }
    },
    "body": {
      "text": "your-text-body-content"
    },
    "footer": {
      "text": "your-text-footer-content"
    },
    "action": {
      "name": "review_and_pay",
      "parameters": {
        "reference_id": "reference-id-value",
        "type": "digital-goods",
        "payment_settings": [\
          {\
            "type": "payment_gateway",\
            "payment_gateway": {\
              "type": "razorpay",\
              "configuration_name": "payment-config-id",\
              "razorpay": {\
                "receipt": "receipt-value",\
                "notes": {\
                  "key1": "value1"\
                }\
              }\
            }\
          }\
        ],
        "currency": "INR",
        "total_amount": {
          "value": 21000,
          "offset": 100
        },
        "order": {
          "status": "pending",
          "catalog_id": "the-catalog_id",
          "expiration": {
            "timestamp": "utc_timestamp_in_seconds",
            "description": "cancellation-explanation"
          },
          "items": [\
            {\
              "retailer_id": "1234567",\
              "name": "Product name, for example bread",\
              "amount": {\
                "value": 10000,\
                "offset": 100\
              },\
              "quantity": 1,\
              "sale_amount": {\
                "value": 100,\
                "offset": 100\
              }\
            }\
          ],
          "subtotal": {
            "value": 20000,
            "offset": 100
          },
          "tax": {
            "value": 1000,
            "offset": 100,
            "description": "optional_text"
          },
          "shipping": {
            "value": 1000,
            "offset": 100,
            "description": "optional_text"
          },
          "discount": {
            "value": 1000,
            "offset": 100,
            "description": "optional_text",
            "discount_program_name": "optional_text"
          }
        }
      }
    }
  }
}

The parameters value is a stringified JSON object. For a PayU non-catalog based integration i.e. when catalog-id is not present, an example payload looks as follows:

\{
  "interactive": {
    "type": "order_details",
    "header": {
      "type": "image",
      "image": {
        "link": "your-media-url-link"
      }
    },
    "body": {
      "text": "your-text-body-content"
    },
    "footer": {
      "text": "your-text-footer-content"
    },
    "action": {
      "name": "review_and_pay",
      "parameters": {
        "reference_id": "reference-id-value",
        "type": "digital-goods",
        "payment_settings": [\
          {\
            "type": "payment_gateway",\
            "payment_gateway": {\
              "type": "payu",\
              "configuration_name": "payment-config-id",\
              "payu": {\
                "udf1": "value1",\
                "udf2": "value2",\
                "udf3": "value3",\
                "udf4": "value4"\
              }\
            }\
          }\
        ],
        "currency": "INR",
        "total_amount": {
          "value": 21000,
          "offset": 100
        },
        "order": {
          "status": "pending",
          "expiration": {
            "timestamp": "utc_timestamp_in_seconds",
            "description": "cancellation-explanation"
          },
          "items": [\
            {\
              "name": "Product name, for example bread",\
              "amount": {\
                "value": 10000,\
                "offset": 100\
              },\
              "quantity": 1,\
              "sale_amount": {\
                "value": 100,\
                "offset": 100\
              },\
              "country_of_origin": "country-of-origin",\
              "importer_name": "name-of-importer-business",\
              "importer_address": {\
                "address_line1": "B8/733 nand nagri",\
                "address_line2": "police station",\
                "city": "East Delhi",\
                "zone_code": "DL",\
                "postal_code": "110093",\
                "country_code": "IN"\
              }\
            },\
            {\
              "name": "Product name, for example bread",\
              "amount": {\
                "value": 10000,\
                "offset": 100\
              },\
              "quantity": 1,\
              "sale_amount": {\
                "value": 100,\
                "offset": 100\
              },\
              "country_of_origin": "country-of-origin",\
              "importer_name": "name-of-importer-business",\
              "importer_address": {\
                "address_line1": "B8/733 nand nagri",\
                "address_line2": "police station",\
                "city": "East Delhi",\
                "zone_code": "DL",\
                "postal_code": "110093",\
                "country_code": "IN"\
              }\
            }\
          ],
          "subtotal": {
            "value": 20000,
            "offset": 100
          },
          "tax": {
            "value": 1000,
            "offset": 100,
            "description": "optional_text"
          },
          "shipping": {
            "value": 1000,
            "offset": 100,
            "description": "optional_text"
          },
          "discount": {
            "value": 1000,
            "offset": 100,
            "description": "optional_text",
            "discount_program_name": "optional_text"
          }
        }
      }
    }
  }
}

For a Zaakpay non-catalog based integration i.e. when catalog-id is not present, an example payload looks as follows:

\{
  "interactive": {
    "type": "order_details",
    "header": {
      "type": "image",
      "image": {
        "link": "your-media-url-link"
      }
    },
    "body": {
      "text": "your-text-body-content"
    },
    "footer": {
      "text": "your-text-footer-content"
    },
    "action": {
      "name": "review_and_pay",
      "parameters": {
        "reference_id": "reference-id-value",
        "type": "digital-goods",
        "payment_settings": [\
          {\
            "type": "payment_gateway",\
            "payment_gateway": {\
              "type": "zaakpay",\
              "configuration_name": "payment-config-id",\
              "zaakpay": {\
                "extra1": "value1",\
                "extra2": "value2"\
              }\
            }\
          }\
        ],
        "currency": "INR",
        "total_amount": {
          "value": 21000,
          "offset": 100
        },
        "order": {
          "status": "pending",
          "expiration": {
            "timestamp": "utc_timestamp_in_seconds",
            "description": "cancellation-explanation"
          },
          "items": [\
            {\
              "name": "Product name, for example bread",\
              "amount": {\
                "value": 10000,\
                "offset": 100\
              },\
              "quantity": 1,\
              "sale_amount": {\
                "value": 100,\
                "offset": 100\
              },\
              "country_of_origin": "country-of-origin",\
              "importer_name": "name-of-importer-business",\
              "importer_address": {\
                "address_line1": "B8/733 nand nagri",\
                "address_line2": "police station",\
                "city": "East Delhi",\
                "zone_code": "DL",\
                "postal_code": "110093",\
                "country_code": "IN"\
              }\
            },\
            {\
              "name": "Product name, for example bread",\
              "amount": {\
                "value": 10000,\
                "offset": 100\
              },\
              "quantity": 1,\
              "sale_amount": {\
                "value": 100,\
                "offset": 100\
              },\
              "country_of_origin": "country-of-origin",\
              "importer_name": "name-of-importer-business",\
              "importer_address": {\
                "address_line1": "B8/733 nand nagri",\
                "address_line2": "police station",\
                "city": "East Delhi",\
                "zone_code": "DL",\
                "postal_code": "110093",\
                "country_code": "IN"\
              }\
            }\
          ],
          "subtotal": {
            "value": 20000,
            "offset": 100
          },
          "tax": {
            "value": 1000,
            "offset": 100,
            "description": "optional_text"
          },
          "shipping": {
            "value": 1000,
            "offset": 100,
            "description": "optional_text"
          },
          "discount": {
            "value": 1000,
            "offset": 100,
            "description": "optional_text",
            "discount_program_name": "optional_text"
          }
        }
      }
    }
  }
}

Step 2: Add Common Message Parameters

Once the interactive object is complete, append the other parameters that make a message: recipient_type, to, and type. Remember to set the type to interactive.

\{
   "messaging_product": "whatsapp",
   "recipient_type": "individual",
   "to": "PHONE_NUMBER",
   "type": "interactive",
   "interactive": {
     // interactive object here
   }
 }

These are parameters common to all message types.

Step 3:Make a POST Call to Messages Endpoint

Make a POST call to the /[PHONE_NUMBER_ID]/messages endpoint with the JSON object you have assembled. If your message is sent successfully, you get the following response:

\{
  "messaging_product": "whatsapp",
  "contacts": [ {\
      "input": "[PHONE_NUMBER_ID]",\
      "wa_id": "[PHONE_NUMBER_ID]"\
  } ],
  "messages": [ {\
      "id": "wamid.HBgLMTY1MDUwNzY1MjAVAgARGBI5QTNDQTVCM0Q0Q0Q2RTY3RTcA"\
  } ]
}

For all errors that can be returned and guidance on how to handle them, see WhatsApp Cloud API, Error Codes.

Product Experience

The customer receives an order_details message similar to the one below (left). When they click on “Review and Pay”, it opens up the order details screen as shown below (middle). Customer can then pay for their order using “Continue” button that opens up a bottom sheet with the payment options (right).

Step 4: Receive Webhook about Transaction Status

Businesses receive updates via WhatsApp webhooks when the status of the user-initiated transaction changes in a status of type “payment”. It contains the following fields:

Object	Description
`id` string	Required. Webhook ID for the notification.
`recipient_id` string	Required. WhatsApp ID of the customer.
`type` string	Required. For payment status update webhooks, type is “payment”.
`status` string	Required. `captured`/`pending`: `captured` - when the payment is successfully completed, `pending` when the user attempted but yet to receive success transactions signal
`payment` object	Required. Contains the following field: `reference_id` string Unique reference ID for the order sent in `order_details` message. `amount` object Has value and offset fields corresponding to total amount that user has paid. `currency` string currency is always INR. `transaction` object Transaction attempt for this payment. Transaction object contains the following fields: `id` string Required. The alpha-numeric payment gateway order ID. `pg_transaction_id` string Optional. The alpha-numeric payment gateway payment ID. `type` string Required. The payment type for this transactions. Only, `billdesk` or `razorpay` or `payu` or `zaakpay` are supported. `status` string Required. The status of the transaction. Can be one of `pending` or `success` or `failed`. `created_timestamp` integer Required. Time when transaction was created in epoch seconds. `updated_timestamp` integer Required. Time when transaction was last updated in epoch seconds. `method` object ( Optional. the payment method information might not be available for failed payments) `type` string Required. The describes the type of payment method used by consumer to pay for the order. Can be one of `upi` or `card` or `wallet` or `netbanking`. `error` object ( Optional. the payment error details might not be available for all payments attempts) `code` string Required. The describes the payment failure reason that is generated by payment gateway and Meta returns this to partners. `reason` string Required. The describes the payment failure reason in plain text that is generated by payment gateway and Meta returns this to partners. `additional_info1-7` string Optional. Only sent for billdesk payment gateway when the value is sent in order details message. Each of the keys additional_info1-4 has string values in them. `notes` object Optional. Only sent for razorpay payment gateway when the value is sent in order details message. This contains key-value pair as passed in the Order Details message. `receipt` string Optional. Only sent for razorpay payment gateway when the value is sent in order details message. `udf1-4` string Optional. Only sent for payu payment gateway when the value is sent in order details message. Each of the keys udf1-4 has string values in them. `extra1-2` string Optional. Only sent for zaakpay payment gateway when the value is sent in order details message. Each of the keys extra1-2 has string values in them. `refunds` array Optional. The list of refunds for this order. Each refund object contains the following fields: `id` string Required. The alpha-numeric ID of the refund. `amount` object Required. The total amount of the refund. `speed_processed` string Required. Speed by which refund was processed. Can be one of `instant` or `normal`. `status` string Required. The status of the refund. Can be one of `pending`, `success` or `failed`. `created_timestamp` integer Required. Time when refund was created in epoch seconds. `updated_timestamp` integer Required. Time when refund was last updated in epoch seconds.
`timestamp` string	Required. Timestamp for the webhook.

Here is an example status webhook of type payment:

\{
  "object": "whatsapp_business_account",
  "entry": [{\
    "id": "WHATSAPP-BUSINESS-ACCOUNT-ID",\
    "changes": [{\
      "value": {\
         "messaging_product": "whatsapp",\
         "metadata": {\
           "display_phone_number": "[PHONE_NUMBER]",\
           "phone_number_id": "[PHONE_NUMBER_ID]"\
         },\
         "contacts": [{...}],\
         "errors": [{...}],\
         "messages": [{...}],\
         "statuses": [{\
            "id": "gBGGFlB5YjhvAgnhuF1qIUvCo7A",\
            "recipient_id": "[PHONE_NUMBER]",\
            "type": "payment",\
            "status": "[TRANSACTION_STATUS]",\
            "payment": {\
               "reference_id": "[REFERENCE_ID]",\
               "amount": {\
                 "value": 21000,\
                 "offset": 100\
               },\
               "transaction": {\
                 "id": "[PG-ORDER-ID]",\
                 "pg_transaction_id": "[PG-PAYMENT-ID]",\
                 "type": "billdesk/razorpay/payu/zaakpay",\
                 "status": "success/failed",\
                 "created_timestamp": "CREATED_TIMESTAMP",\
                 "updated_timestamp": "UPDATED_TIMESTAMP",\
                 "method": {\
                   "type": "upi/card/netbanking/wallet"\
                 },\
                 "error": {\
                   "code": "pg-generated-error-code",\
                   "reason": "pg-generated-descriptive-reason"\
                 }\
               },\
               "currency": "INR",\
               "receipt": "receipt-value",\
               "notes": {\
                 "key1": "value1",\
                 "key2": "value2"\
               },\
               "udf1": "udf1-value",\
               "udf2": "udf2-value",\
               "udf3": "udf3-value",\
               "udf4": "udf4-value",\
               "additional_info1": "additional_info1-value",\
               "additional_info2": "additional_info2-value",\
               "additional_info3": "additional_info3-value",\
               "additional_info4": "additional_info4-value",\
               "additional_info5": "additional_info5-value",\
               "additional_info6": "additional_info6-value",\
               "additional_info7": "additional_info7-value",\
               "refunds": [{\
                 "id": "[REFUND-ID]",\
                 "amount": {\
                   "value": 100,\
                   "offset": 100\
                 },\
                 "speed_processed": "instant/normal",\
                 "status": "success",\
                 "created_timestamp": "CREATED_TIMESTAMP",\
                 "updated_timestamp": "UPDATED_TIMESTAMP",\
              }],\
            },\
            "timestamp": "notification_timestamp"\
         }]\
      },\
      "field": "messages"\
    }]\
  }]
}

For more information about other statuses, see Components, Statuses Object.

Step 5: Confirm Payment

After receiving the payment status webhook, or at any time, the business can look up the status of the payment for the order. To do that, businesses must make a GET call to the payments endpoint as shown here:

GET &lt;PHONE_NUMBER_ID&gt;/payments/&lt;PAYMENT_CONFIGURATION&gt;/&lt;REFERENCE_ID&gt;

where payment_configuration and reference_id are same as that sent in the order_details message. Businesses should expect a response in the same HTTP session (not in a webhook notification) that contains the following fields:

Field	Description
`reference_id` string	Required. The ID sent by the business in the `order_details` message
`status` string	Required. Status of the payment for the order. Can be one of `pending` or `captured` Refer the table below for what these statuses mean.
`currency` string	Required. The currency for this payment. Currently the only supported value is `INR`.
`total_amount` object	Required. The total amount for this payment. It contains the following fields: `offset` integer Required. Must be 100. `value` integer Required. Positive integer representing the amount value multiplied by offset. For example, ₹12.34 has value 1234.
`transactions` array	Required. The list of transactions for this payment. Each transaction object contains the following fields: `id` string Required. The alpha-numeric payment gateway order ID. `pg_transaction_id` string Required. The alpha-numeric payment gateway payment ID. `type` string Required. The payment type for this transactions. Only, `billdesk` or `razorpay` or `payu` or `zaakpay` are supported. `status` string Required. The status of the transaction. Can be one of `pending` or `success` or `failed`. At most one transaction can have a `success` status. `created_timestamp` integer Required. Time when transaction was created in epoch seconds. `updated_timestamp` integer Required. Time when transaction was last updated in epoch seconds. `method` object Optional. the payment method information might not be available for failed payments `type` string Required. The describes the type of payment method used by consumer to pay for the order. Can be one of `upi` or `card` or `wallet` or `netbanking`. `error` object Optional. the payment error details might not be available for all payments attempts `code` string Required. The describes the payment failure reason that is generated by payment gateway and Meta returns this to partners. `reason` string Required. The describes the payment failure reason in plain text that is generated by payment gateway and Meta returns this to partners. `refunds` array Optional. The list of refunds for this order. Each refund object contains the following fields: `id` string Required. The alpha-numeric ID of the refund. `amount` object Required. The total amount of the refund. `speed_processed` string Required. Speed by which refund was processed. Can be one of `instant` or `normal`. `status` string Required. The status of the refund. Can be one of `pending`, `success` or `failed`. `created_timestamp` integer Required. Time when refund was created in epoch seconds. `updated_timestamp` integer Required. Time when refund was last updated in epoch seconds.
`additional_info1-7` string	Optional. Supported for only BillDesk PG, this contains string values sent as part of Order Details message.
`receipt` string	Optional. Supported for only Razorpay PG, this contains the receipt-value sent as part of Order Details message.
`notes` object	Optional. Supported for only Razorpay PG, this contains the key-value pairs sent as part of Order Details message.
`udf1-4` string	Optional. Supported for only PayU PG, this contains string values sent as part of Order Details message.
`extra1-2` string	Optional. Supported for only Zaakpay PG, this contains string values sent as part of Order Details message.

Payment Status

Status	Description
`pending`	The user started the payment process and the payment object was created
`captured`	The payment was captured

An example successful response looks like this:

\{
  "payments": [{\
    "reference_id": "reference-id-value",\
    "status": "status-of-payment",\
    "currency": "INR",\
    "total_amount": {\
      "value": 21000,\
      "offset": 100\
    },\
    "transactions": [\
      {\
        "id": "[PG-ORDER-ID]",\
        "pg_transaction_id": "[PG-TXN-ID]",\
        "type": "billdesk/razorpay/payu/zaakpay",\
        "status": "success/failed",\
        "created_timestamp": "CREATED_TIMESTAMP",\
        "updated_timestamp": "UPDATED_TIMESTAMP",\
        "method": {\
           "type": "upi/card/netbanking/wallet"\
        },\
        "error": {\
           "code": "pg-generated-error-code",\
           "reason": "pg-generated-descriptive-reason"\
        },\
        "refunds": [\
          {\
            "id": "[REFUND-ID]",\
            "amount": {\
              "value": 100,\
              "offset": 100\
            },\
            "speed_processed": "instant/normal",\
            "status": "success",\
            "created_timestamp": "CREATED_TIMESTAMP",\
            "updated_timestamp": "UPDATED_TIMESATMP",\
          }\
        ],\
      }\
    ],\
    "receipt": "receipt-value",\
    "notes": {\
      "key1": "value1",\
      "key2": "value2"\
    },\
    "udf1": "udf1-value",\
    "udf2": "udf2-value",\
    "udf3": "udf3-value",\
    "udf4": "udf4-value"\
    "additional_info1": "additional_info1-value",\
    "additional_info2": "additional_info2-value",\
    "additional_info3": "additional_info3-value",\
    "additional_info4": "additional_info4-value",\
    "additional_info5": "additional_info5-value",\
    "additional_info6": "additional_info6-value",\
    "additional_info7": "additional_info7-value",\
  }]
}

In the case of any errors, response is similar to an error response for /v1/messages endpoint. For all errors that can be returned and guidance on how to handle them, see WhatsApp On-Premises API, Errors. Show here is an example for a generic error:

\{
  "errors": [{\
    "code": 500,\
    "title": "Generic error",\
    "details": "System error. Please try again."\
  }]
}

Step 6: Update Order Status

Businesses must send updates to their order using the order_status message instead of text messages since the latest status of an order displayed on the order details page is only based on order_status messages. To notify the customer with updates to an order, you can send an interactive message of type order_status as shown below.

\{
  "recipient_type": "individual",
  "to": "whatsapp-id",
  "type": "interactive",
  "interactive": {
    "type": "order_status",
    "body": {
      "text": "your-text-body-content"
    },
    "action": {
      "name": "review_order",
      "parameters": {
        "reference_id": "reference-id-value",
        "order": {
          "status": "processing | partially_shipped | shipped | completed | canceled",
          "description": "optional-text"
        }
      }
    }
  }
}

The following table describes the fields in the order_status interactive message:

Object	Description
`type` string	Required. Must be “order_status”
`body` object	Required. An object with the body of the message. The object contains the following field: `text` string Required if `body` is present. The content of the message. Emojis and markdown are supported. Maximum length is 1024 characters
`footer` object	Optional. An object with the footer of the message. The object contains the following field: `text` string Required if `footer` is present. The footer content. Emojis, markdown, and links are supported. Maximum length is 60 characters
`action` object	Required. An action object you want the user to perform after reading the message. This action object contains the following fields: `name` string Required. Must be “review_order”. `parameters` object See Parameters Object for information

The parameters object contains the following fields:

Value	Description
`reference_id` string	Required. The ID sent by the business in the `order_details` message
`order` object	Required. This object contains the following fields: `status` string Required. The new order `status`. Must be one of `processing`, `partially_shipped`, `shipped`, `completed`, `canceled`. `description` string Optional. Text for sharing status related information in `order_details`. Could be useful while sending cancellation. Max character limit is 120 characters.

order_status message introduces two new errors that are summarized below.

Error Code	Description
`2046` - Invalid status transition	The order status transition is not allowed. More details here.
`2047` - Cannot cancel order	Cannot cancel the order since the user has already paid for it. More details here.

For all other errors that can be returned and guidance on how to handle them, see WhatsApp On-Premises API, Errors.

Product Experience

Customers receive each order_status update as a separate message in their chat thread, that references their original order_details message as shown below (left). The order details page always displays the latest valid status communicated to the customer using the order_status message as shown below (right).

Supported Order Status and Transitions

Currently we support the following order status values:

Value	Description
`pending`	User has not successfully paid yet
`processing`	User payment authorized, merchant/partner is fulfilling the order, performing service, etc.
`partially-shipped`	A portion of the products in the order have been shipped by the merchant
`shipped`	All the products in the order have been shipped by the merchant
`completed`	The order is completed and no further action is expected from the user or the partner/merchant
`canceled`	The partner/merchant would like to cancel the `order_details` message for the order/invoice. The status update will fail if there is already a `successful` or `pending` payment for this `order_details` message

Order status transitions are restricted for consistency of consumer experience. Allowed status transitions are summarized below: Initial status of an order is always pending, which is sent in order_details message. canceled and completed are terminal status and cannot be updated to any other status. pending can transition to any of the other statuses including processing, shipped, partially-shipped. processing, shipped and partially-shipped are equivalent statuses and can transition between one another or to one of the terminal statuses.

Upon sending an order_status message with an invalid transition, you will receive an error webhook with the error code 2046 and message “New order status was not correctly transitioned.”

Canceling an Order

An order can be canceled by sending an order_status message with the status canceled. The customer cannot pay for an order that is canceled. The customer receives an order_status message and order details page is updated to show that the order is canceled and the “Continue” button removed. The optional text shown below “Order canceled” on the order details page can be specified using the description field in the order_status message. An order can be canceled only if the user has not already paid for the order. If the user has paid and you send an order_status message with canceled status, you will receive an error webhook with error code 2047 and message “Could not change order status to ‘canceled’”.

Step 7: Reconcile Payments

WhatsApp does not support payment reconciliations. Businesses should use their payment gateway account to reconcile the payments using the reference_id provided in the order_details messages and the id of the transactions returned as part of the payment lookup query.

Step 8: Refunds

Business can initiate a refund for an order. To do that, businesses must make a POST call to the /[PHONE_NUMBER_ID]/payments_refund endpoint with the following JSON object:

\{
  "reference_id": "reference-id-value",
  "speed": "normal",
  "payment_config_id": "payment-config-id",
  "amount": {
    "currency": "INR",
    "value": "100",
    "offset": "100"
  }
}

The following table describes the fields in the refunds endpoint request object:

Field	Description
`reference_id` string	Required. Unique reference ID for the order sent in `order_details` message.
`speed` string	Optional. Speed by which refund should be processed. Can be one of `instant` or `normal`.
`payment_config_id` string	Required. Payment configuration for the order sent in `order_details` message.
`amount` object	Required. The `amount` object contains the following fields: `offset` string Required. Must be `100` for `INR`. `value` string Required. Positive integer representing the amount value multiplied by offset. For example, ₹12.34 has value 1234. `currency` string Required. The currency for this refund. Currently the only supported value is INR.

Businesses should expect a response in the same HTTP session (not in a webhook notification) that contains the following fields:

Field	Description
`id` string	Required. A unique ID representing the initiated refund.
`status` string	Required. Status of the refund. Can be one of `pending`, `failed` or `completed`
`speed_processed` string	Required. Speed by which refund was processed. Can be one of `instant` or `normal`. PGs are the ultimate arbitrator of which speed mode refund goes through. This might NOT always match what was included in the request parameters.

An example successful response looks like this:

\{
  "id": "refund-id",
  "status": "pending",
  "speed_processed": "normal"
}

Merchant Preferred UPI Payment Method

Now merchants can specify up to one UPI Payment app to showup in checkout flow. Merchant preferred payment app will be shown on top of the list of available UPI apps in the “Choose payment method” screen. To enable this capability we require partners to specify the external app-id in the Order Details or order-invoice message. Note: This feature is available on consumer apps on and above version: 2.24.21.0

Updates to Order Details Payload

\{
  "messaging_product": "whatsapp",
  "interactive": {
    "action": {
      "name": "review_and_pay",
      "parameters": {
        "payment_settings": [\
           {\
             "type": "payment_gateway",\
             "payment_gateway": {\
               "preferred_payment_methods": [\
                 {\
                   "method": "Application-ID"\
                 }\
               ]\
             }\
           }\
\
        ],
      "order": ..
      }
    }
  }
}

List of supported apps:

UPI Application	Application ID to be passed in Order Details payload
Google Pay	gpay
PhonePe	phonepe
PayTm	paytm
BHIM	bhim
Amazon Pay	amazonpay
CRED	cred
Mobikwik	mobikwik

Restrict Available Payment Options

Merchants can specify which payment options to show in checkout flow between UPI and Web options. This will allow merchants to enable only UPI or credit card(any PG available option) to accept payments for invoices. Note: This feature is available on consumer apps on and above version: 2.24.22.4

Updates to Order Details Payload

\{
  "messaging_product": "whatsapp",
  "interactive": {
    "action": {
      "name": "review_and_pay",
      "parameters": {
        "payment_settings": [\
           {\
             "type": "payment_gateway",\
             "payment_gateway": {\
                "enabled_payment_options": ["upi"/"web"]\
             },\
           }\
        ],
      "order": ...
      }
    }
  }
}

List of payment options

Enabled Option	Experience in checkout flow
upi	Only UPI apps are show in checkout flow
web	Payment gateway webpage is loaded and merchant payment gateway account configured payment options will be shown in the checkout flow.

Some Payment Gateways allow customization of payment options that are shown in payment link or web based checkout flow. Please contact Payment Gateway to restricting payment options in payment link or web page.

Third Party Validation with Razorpay and PayU Payment Gateways

We now support TPV for RazorPay and PayU merchants, this allows merchants to specify the consumer accounts from which orders needs to be paid. Since, the consumer bank account information is sensitive, please work with Payment Gateways to procure public encryption key and pass the encryption information as part of Order details message. To use this feature which is in alpha testing, please reach out to Meta payments team - [email protected]

Updates to Order Details Payload to support TPV for Razorpay merchants

\{
  "messaging_product": "whatsapp",
  "interactive": {
    "action": {
      "name": "review_and_pay",
      "parameters": {
        "payment_settings": [\
          {\
            "type": "razorpay",\
            "razorpay": {\
              "encrypted_payment_gateway_data": "encrypted-data"\
            }\
          }\
        ],
        "order": {}
      }
    }
  }
}

The raw value before encryption should look something like the following:

\{
  "bank_account": {
    "account_number": "account-no",
    "name": "consumer-cbs-name",
    "ifsc": "ifsc-code"
  }
}

Updates to Order Details Payload to support TPV for PayU merchants

\{
  "messaging_product": "whatsapp",
  "interactive": {
    "action": {
      "name": "review_and_pay",
      "parameters": {
        "payment_settings": [\
          {\
            "type": "payu",\
            "payu": {\
              "encrypted_payment_gateway_data": "encrypted-data"\
            }\
          }\
        ],
        "order": {}
      }
    }
  }
}

The raw value before encryption should look like the following:

\{
  "beneficiaryDetail" : {
    "beneficiaryAccountNumber" : "account_number1|account_number2",
    "ifscCode" : "ifsc1|ifsc2",
  }
}

Note please closely work with Meta and Payment Gateway teams(RazorPay or PayU) to unlock this feature as we are still in alpha testing phase.

Security Considerations

Businesses should comply with local security and regulatory requirements in India. They should not rely solely on the status of the transaction provided in the webhook and must use payment lookup API to retrieve the statuses directly from WhatsApp. Businesses must always sanitize/validate the data in the API responses or webhooks to protect against SSRF attacks.

Checklist for Integrated Merchants

Ensure that order_status message is send to consumer informing them about updates to an order after receiving transaction updates for an order. Ensure the merchant is verified and WABA contact is marked with a verified check. Verify the WABA is mapped to appropriate merchant initiated messaging tier(1k, 10k and 100k per day) Merchant should list the customer support information in the profile screen incase consumer wants to report any issues. Migrate to “payment_settings” in place of “payment_type” and “payment_configuration”. This is the recommended way, and gives access to features likes “notes” and “udf” fields. For an example, view the payloads above. Did you find this page helpful? Thumbs up icon

ON THIS PAGE Overview How it works Purchase flow in app Link your payment account Steps to unlink Payment Configuration Integration Steps Sequence Diagram Step 1: Send Order Details Interactive Message Parameters Object Payment settings object BillDesk, RazorPay, PayU and Zaakpay fields Order object Item Image Object Step 2: Add Common Message Parameters Step 3:Make a POST Call to Messages Endpoint Product Experience Step 4: Receive Webhook about Transaction Status Step 5: Confirm Payment Payment Status Step 6: Update Order Status Product Experience Supported Order Status and Transitions Canceling an Order Step 7: Reconcile Payments Step 8: Refunds Merchant Preferred UPI Payment Method Updates to Order Details Payload List of supported apps: Restrict Available Payment Options Updates to Order Details Payload List of payment options Third Party Validation with Razorpay and PayU Payment Gateways Updates to Order Details Payload to support TPV for Razorpay merchants Updates to Order Details Payload to support TPV for PayU merchants Security Considerations Checklist for Integrated Merchants

​Receive payments via payment gateways on WhatsApp

​Overview

​How it works

​Purchase flow in app

​Link your payment account

​Steps to unlink Payment Configuration

​Integration Steps

​Sequence Diagram

​Step 1: Send Order Details Interactive Message

​Parameters Object

​Payment settings object

​BillDesk, RazorPay, PayU and Zaakpay fields

​Order object

​Item Image Object

​Step 2: Add Common Message Parameters

​Step 3:Make a POST Call to Messages Endpoint

​Product Experience

​Step 4: Receive Webhook about Transaction Status

​Step 5: Confirm Payment

​Payment Status

​Step 6: Update Order Status

​Product Experience

​Supported Order Status and Transitions

​Canceling an Order

​Step 7: Reconcile Payments

​Step 8: Refunds

​Merchant Preferred UPI Payment Method

​Updates to Order Details Payload

​List of supported apps:

​Restrict Available Payment Options

​Updates to Order Details Payload

​List of payment options

​Third Party Validation with Razorpay and PayU Payment Gateways

​Updates to Order Details Payload to support TPV for Razorpay merchants

​Updates to Order Details Payload to support TPV for PayU merchants

​Security Considerations

​Checklist for Integrated Merchants

Receive payments via payment gateways on WhatsApp

Overview

How it works

Purchase flow in app

Link your payment account

Steps to unlink Payment Configuration

Integration Steps

Sequence Diagram

Step 1: Send Order Details Interactive Message

Parameters Object

Payment settings object

BillDesk, RazorPay, PayU and Zaakpay fields

Order object

Item Image Object

Step 2: Add Common Message Parameters

Step 3:Make a POST Call to Messages Endpoint

Product Experience

Step 4: Receive Webhook about Transaction Status

Step 5: Confirm Payment

Payment Status

Step 6: Update Order Status

Product Experience

Supported Order Status and Transitions

Canceling an Order

Step 7: Reconcile Payments

Step 8: Refunds

Merchant Preferred UPI Payment Method

Updates to Order Details Payload

List of supported apps:

Restrict Available Payment Options

Updates to Order Details Payload

List of payment options

Third Party Validation with Razorpay and PayU Payment Gateways

Updates to Order Details Payload to support TPV for Razorpay merchants

Updates to Order Details Payload to support TPV for PayU merchants

Security Considerations

Checklist for Integrated Merchants