In-chat payments
In-chat payments on WhatsApp are the features that let a transaction be completed without leaving the conversation, through native services available in selected markets, such as India and Brazil, or through payment links sent in chat in other countries. They reduce the steps between interest and purchase, closing the conversational sales cycle inside WhatsApp.
Where the native service is active, the user pays inside WhatsApp by linking cards or local payment schemes, such as UPI in India or Pix and cards in Brazil, with instant confirmation in the conversation. In Europe and Italy, native payment is not available: the standard operating model is sending a link in chat to a gateway like Stripe or PayPal, possibly generated automatically after the order or cart is confirmed.
The typical flow: the customer chooses from the catalog or agrees on the purchase in chat, receives a message with a summary and payment link, pays on the gateway and gets confirmation via a utility message. Confirmations and receipts count as transactional communications, so they travel in the utility category at reduced or zero cost within an open window. The combination of catalog, AI agent and payment links covers the entire funnel.
With SendApp, the AI agent can guide the purchase and send the payment link in the conversation, with automatic confirmations via utility templates at Meta rates with no markups.
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From theory to practice
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