"Yes, I'll take it", and then nothing
Anyone who sells over chat knows the gap. The boutique agrees a price on a saree, the customer says "send me the details", and the deal leaves WhatsApp: bank account number and IFSC typed out, the customer promises to transfer tonight, a payment screenshot maybe arrives tomorrow, which someone must then match against the bank statement and hope is genuine.
Every extra step between "yes" and payment loses a few buyers, not because they changed their mind about the product, but because the paying was work.
The other escape hatch is cash on delivery, no payment friction now, in exchange for COD courier surcharges and the risk the parcel comes back refused. If RTO is your real problem, the COD RTO page goes deeper.
A payment link on WhatsApp closes the gap
The link belongs to your gateway, not to us, created in the Razorpay dashboard, generated through a gateway's API, or a plain UPI link. What Growcord does is deliver it at the right moment, inside the conversation: as a button on an approved template, merged per customer with their own amount, or pasted into a live chat from the inbox.
The customer taps, their UPI app or a checkout page opens, they authorise, and they're back in the chat. Your gateway records and settles the money exactly as it always does. Growcord takes no cut of the payment.
Because the gateway can call a webhook on success, the loop closes automatically: payment received, order-confirmed message goes out in the same thread, and unpaid orders keep getting a polite payment reminder until they clear. Meta has piloted in-chat payments in India with local gateways, but availability is still uneven. The link is the route that works for every business, on every gateway, today.
Three ways money gets collected in a chat
| Method | What the customer does | What it means for you |
|---|---|---|
Bank transfer + screenshot | Copies your account details, transfers, sends proof | ✗ Manual matching against statements; fake-screenshot risk |
Cash on delivery | Nothing now, pays at the door | ✗ COD surcharges, refusal risk, money weeks away |
Payment link in WhatsApp | Taps the link, pays by UPI or card | ✓ Auto-recorded in your gateway, instant confirmation in the chat |
Comparing common practice for chat-based sellers in India.
Where Growcord sends payment links automatically
Order confirmations
New order from Shopify, WooCommerce or your own system triggers a confirmation with a pay-now link attached.
COD-to-prepaid nudges
Offer COD customers a link to prepay, every conversion removes a refusal-risk parcel from your pipeline.
Payment reminders
Unpaid invoice or pending order? The reminder sequence carries the same link until the payment lands.
Abandoned checkout follow-ups
Cart recovery messages can carry a direct link to finish paying, see [abandoned cart recovery](/abandoned-cart-recovery-whatsapp/).
One-off sends from the inbox
Agents drop a link into any live conversation, for the deal that was negotiated in chat five minutes ago.
Developer API
Generate the link in your gateway, send it through Growcord's REST API, listen for the reply on webhooks.
How it works in Growcord
Create the link in your gateway
Razorpay dashboard for one-offs, the gateway's API for per-order links, or a plain UPI link if that's how you collect.
Put it in a template
Add the link as a button or a merge field on an approved template, so each customer receives their own amount and link. Meta approval usually takes minutes to a few hours.
Pick the trigger
Order events from Shopify, WooCommerce or custom webhooks; due dates for reminders; or manual sends from the shared inbox during a conversation.
Close the loop
Your gateway's success webhook (via Zapier or a custom hook) fires the thank-you and order-confirmed message in the same thread; unpaid orders continue on the reminder sequence.
The arithmetic for a store doing 500 orders a month
Say 300 of those orders are COD. Your courier's rate card already tells you what that costs: a COD handling surcharge per parcel, commonly ₹30–50, and, on every refused delivery, two-way shipping typically north of ₹100, plus the product tied up in transit for weeks.
Now the arithmetic of a pay-now link with a modest prepaid incentive: the message is a utility or marketing template costing under ₹1 in Meta fees, and every customer who converts to prepaid removes one COD surcharge and one refusal-risk parcel from that ledger.
We're not going to promise a conversion percentage. That depends on your products, your prices and your customers. The point is that you can put your own numbers into that equation, run it on next month's orders, and read the answer in your gateway dashboard. Related plays: COD confirmation and order notifications.
What it costs
Three separate lines, honestly stated. Your gateway's transaction fee is paid to the gateway on its own pricing, that's between you and Razorpay or whoever you use. Growcord's plan starts at ₹299/month (₹99/month billed yearly) with 200 conversations included; the pricing page has all tiers.
And Meta's per-message fees are billed as credits at cost with zero markup, with the estimate visible before you send; the subscription carries a 7-day unconditional money-back guarantee, and unspent credits stay in the wallet. Growcord never touches the payment itself, the money moves from your customer to your gateway account, same as always.
Put the pay button inside the conversation
Free tier includes 50 conversations a month, wire up one automation and watch real payments land before you pay for anything.
Start free, no card neededWhy Growcord
What you get here that you don't get elsewhere
Frequently asked questions
Can I collect payments directly on WhatsApp?
In India the dependable route is a payment link sent inside the chat: the customer taps it and pays by UPI, card or netbanking through your gateway. Growcord is not a payment gateway, it automates when the link goes out (order placed, cart abandoned, payment due) and can confirm in the same thread once your gateway reports success. The money settles into your gateway account as usual.
How do I send a Razorpay payment link on WhatsApp?
Create the link in Razorpay, dashboard for one-offs, their API for per-order links, then send it through Growcord: paste it into a live chat from the inbox, or merge it into an approved template as a button so each customer gets their own amount. For automation, trigger the template from order events via the Shopify, WooCommerce, Zapier or webhook integrations.
Does the customer have to leave WhatsApp to pay?
Briefly, yes. The link opens their UPI app or a checkout page, they authorise, and they're back in the chat. For most customers that's two or three taps. The thing that matters is that the ask arrives inside the conversation where the order happened, instead of as bank details they have to copy out and act on manually.
What are the charges for collecting payments this way?
Three separate parts. Your gateway's transaction fee, paid to the gateway on its own published pricing. Growcord's plan, ₹299/month, or ₹99/month billed yearly on Basic. And Meta's per-message fee, billed as credits at Meta's own rate with no markup: under ₹1 per message. Growcord takes no percentage of the payment itself; it only sends the message the link travels in.
Can a payment link go out automatically when an order is placed?
Yes. Connect Shopify or WooCommerce, or send order events to a custom webhook, and the order-confirmation template goes out with the payment link attached. The same mechanism powers COD-to-prepaid nudges and due-date reminders, you define the trigger once and every matching order gets its link without anyone typing.
Will customers trust a payment link sent on WhatsApp?
They trust consistency. Send from the business number they already talk to, with your business name and profile complete, a green tick verification helps further. Use your gateway's standard link domain rather than URL shorteners, and never ask for card details in the chat itself. The link taking them to a familiar Razorpay-style checkout is what makes it feel safe.
Why businesses pick Growcord
Official WhatsApp Business API
Built on Meta's Cloud API, the sanctioned channel, not a modded app. No number-ban roulette.
Indian pricing, GST invoice
Plans from ₹99/month billed yearly. Paid in ₹ via Razorpay, with a proper GST invoice every time.
Free tier, no card needed
1 number and 50 conversations a month to prove it on real customers before paying anything.
Support from New Delhi, in IST
A real team on email and WhatsApp, Monday to Saturday 10:00–19:00 IST, not a ticket void.
Talk to us
Get set up on WhatsApp this week
Tell us what you sell and how many customers you message. We'll reply on WhatsApp with the plan that fits and, if you want it, walk you through the Meta approval step.
- No sales call unless you ask for one
- Answers from the team that builds it, in IST hours
- Free tier available. You can start before you decide
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Last updated: 2026-08-07