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Payments API — India | Developer Documentation

Payments API — India

Updated: Nov 26, 2025
The Payments API enables you to accept payments from your customers through all UPI apps installed on their devices and other payment methods like cards, NetBanking, and wallets via WhatsApp.
You can send invoice (order_details) messages to your customers, then get notified about payment status updates through webhook notifications from the payment gateway.

Know the differences in the models of integration

The integration model you use depends on your payment gateway. The two models 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”
    For example: 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
    ❌
    ✅

    Prerequisites for integration

      Essential Payments APIs are available at SP/TPAccess to merchant order trigger APIs / CSVs needed to trigger an order. (for example, amount, goods or service details)Access to payment posting APIs needed to close an order (for example, ticket generation APIs to create tickets once payment is received)

      Full payment gateway deep integration mode

        Find out payment gateway account owner: This authorizes linking the account to WhatsApp Business Manager.

        UPI Intent mode

          Find out VPA IDs, MCC, and PC for your business from the merchant’s payment gateway.Access to payment gateway API docs:UPI Intent S2S callsWebhook configuration for payment status

          Example use cases and features needed

          Use case Essential Feature Set
          Buying Tickets
          For example: Metro, bus, event tickets
            Order Details MessagePayment Status Webhook/APIOrder Status MessageRefund
            Payment Reminders
            Example: Bill payments, subscription renewals, insurance renewals
              Order Details TemplatePayment Status Webhook/APIOrder Status MessageRefund

              Support

                In case you run into an issue, reach out to direct support⁠. Make sure to choose the correct case type: “WaBiz: Business Payments API” so you get a faster resolution.Sign up for office hours⁠. Make sure to write down your issues in the form provided

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