Many small businesses already sell on WhatsApp: a customer asks, you share photos, agree a price… and then the awkward part — "please send the money to this UPI ID and share a screenshot". It's slow, hard to reconcile and easy to fake.
A payment link fixes that. You send one link; the customer pays by UPI, card or net banking; you get a confirmation automatically.
How payment links work
- You create a link for a specific amount and purpose ("Order #1024 — 2 kurtis").
- The customer opens a secure checkout hosted by your payment gateway.
- They pay with the method they prefer.
- The gateway marks the link paid and settles money to your bank.
Because each link has its own reference, you always know who paid for what.
WhatsApp inbox, campaigns, journeys and deep analytics that turn one-time buyers into loyal customers.
Start free See the demoSetting it up
- Open a payment gateway account (for example Razorpay) and complete KYC.
- Create API keys in the gateway dashboard.
- Connect the keys to your messaging platform. In MizUp CLM this is Payments → Connect Razorpay; the same connection also collects invoice payments in MizUp Finance.
- Send a link from the chat. In the inbox, open the Payment tab, enter the amount and description, and send.
Write a clear payment message
"Hi Priya, here's your secure payment link for Order #1024 (2 kurtis): ₹1,499. Pay by UPI, card or net banking. Reply here if you have any questions."
Include the amount, what it's for, and how to get help. Skip urgency tricks.
The 24-hour rule
WhatsApp allows free-form messages only within 24 hours of the customer's last message. If the customer went quiet, send the link inside an approved utility template, for example: "Hi {{1}}, your payment link for {{2}} is ready: {{3}}."
Automate what happens after payment
- Thank-you message with delivery details.
- Tag the contact as a customer and move them to the right lifecycle stage.
- Create a task for the dispatch team.
- Notify the sales person who created the link.
In MizUp, a paid link fires the Payment is captured trigger, so any sequence or journey can run from it.
Keep payments tidy
- Give links an expiry (for example 7 days) so old prices don't get paid.
- Cancel links you no longer need.
- Check the Awaiting payment list daily and follow up politely.
Native in-chat checkout (India)
WhatsApp also offers a native "Review and pay" flow for Indian businesses, connected to gateways such as Razorpay, PayU, BillDesk or Zaakpay. It needs your gateway linked inside WhatsApp Manager. Payment links are the fastest way to start; the native checkout is a good next step once your volume grows.
Pair payments with Click-to-WhatsApp ads and you can see exactly which ad produced paid orders.
Frequently asked questions
Is it safe to send payment links on WhatsApp?
Yes, when the link comes from a regulated payment gateway such as Razorpay and points to its secure checkout. Avoid sharing bank details or asking customers to send screenshots as proof.
Who holds the money?
The payment goes to your own payment gateway account and settles to your bank as usual. A messaging platform should only create the link and read its status.
Can I send a link after 24 hours?
Free-form messages are only allowed within 24 hours of the customer’s last message. Outside that window, send the link inside an approved template.
What about in-chat checkout?
In India, WhatsApp also supports a native "Review and pay" checkout connected to gateways like Razorpay, PayU, BillDesk or Zaakpay. It needs the gateway linked in WhatsApp Manager.
