Conversation → Invoice → Payment → Confirmation — all without leaving WhatsApp

Cheerio AI now enables businesses to collect UPI payments natively inside WhatsApp conversations, using WhatsApp’s official inbuilt payments experience.

No payment links.
No redirects.
No app switching.

Just seamless commerce — right where your customers already are.

What Are WhatsApp Inbuilt UPI Payments?

WhatsApp Inbuilt UPI Payments allow businesses to send interactive order or invoice messages inside WhatsApp, where customers can review details and complete payments using any UPI app like:

• WhatsApp Pay

• Google Pay

• PhonePe

• Paytm

• BHIM

All powered by official payment gateways such as Razorpay, PayU, Billdesk, and Zaakpay.

This entire flow happens inside WhatsApp, improving trust and increasing payment completion rates.

Why Businesses Choose In-Chat Payments

Traditional payment flows force customers to:

• Open external links

• Switch apps

• Re-enter payment details

Each step increases drop-offs. With Cheerio’s WhatsApp Payments:

• Customers stay inside WhatsApp

• Payment feels native and secure

• Confirmation happens instantly

Result: Faster payments, higher conversions, better customer experience.

How the Payment Flow Works (End-to-End)

1. Customer Confirms the Order

The customer selects products via chat, catalog, or agent assistance.
Once pricing and quantity are finalized, payment is initiated.

2. Business Sends an Order Details Message

Cheerio triggers a native WhatsApp Order Details message, which acts as an interactive invoice.

This message includes:

• Order summary

• Total amount

• “Pay Now” or “Review & Pay” CTA

3. Customer Pays Using UPI

When the customer taps Pay Now:

• WhatsApp opens the native UPI payment screen

• Customer chooses their preferred UPI app

• Payment is authorized securely
  
  

4. Real-Time Payment Status Updates

Once payment is completed:

• Payment gateway sends a webhook

• Cheerio updates the order status

• Customer receives confirmation inside WhatsApp

No follow-ups. No confusion.

Setting Up WhatsApp UPI Payments in Cheerio

Step 1: Create a Payment Configuration

In WhatsApp Business Manager, configure your payment profile by choosing:

• Payment Gateway (Razorpay, PayU, Billdesk, Zaakpay)
  OR

• UPI VPA ID (gateway-generated only)

Step 2: Add Required Payment Details

Each payment configuration includes:

• Configuration Name (internal identifier)

• UPI VPA ID

• Merchant Category Code (MCC)

• Purpose Code (optional)

Step 3: Activate the Configuration

Once verified and tested, the configuration becomes Active and can be used in order messages.

Supported Payment Gateways

Cheerio supports all major WhatsApp-approved gateways:

• Razorpay

• PayU

• Billdesk

• Zaakpay
  
  

Each gateway:

• Generates the UPI intent

• Provides a reference ID

• Sends real-time payment webhooks

Cheerio handles mapping, tracking, and updates automatically.

Smart Payment Rules & Safeguards

Cheerio ensures payments are sent only when safe and valid.

Order Details Message Is Sent Only When:

• Order is confirmed

• Amount is finalized

• UPI is selected

• Valid payment configuration exists
  
  

Payment Is Blocked When:

• Order is incomplete

• Reference ID is missing

• Configuration is invalid

• Order has expired

• Amount mismatch is detected

This prevents failed payments and reconciliation issues.

Handling Failures, Delays & Edge Cases

Cheerio automatically manages real-world payment scenarios:

• Webhook delays → Status remains pending

• Duplicate callbacks → Idempotency handled

• Customer abandons payment → Order auto-expires

• Late payment → Accepted if gateway confirms

• Partial payments → Blocked by design
  
  

Everything is logged and traceable using a single reference ID.

Security, Compliance & Trust

WhatsApp Inbuilt Payments follow strict Meta compliance rules:

• Verified WhatsApp Business Account required

• Business verification mandatory

• Secure webhook signature validation

• No amount tampering allowed

• Full audit trail retained
  
  

Customers always see clear payment status, building trust and confidence.

Why This Is a Game Changer for WhatsApp Commerce

With this feature, WhatsApp becomes a complete commerce surface, not just a messaging channel.

✔ No redirects
✔ No payment links
✔ No external apps
✔ Faster conversions
✔ Better customer trust

Cheerio turns conversations into completed transactions — seamlessly.