Razorpay Payment Link on WhatsApp: How to Create, Send and Track Payments in Chat

A payment link is a URL that opens a secure checkout page for a fixed amount — for example ₹500 for an appointment advance or ₹3,600 for a class package. The customer chooses how to pay on that page; the payment goes to your gateway account; and the gateway records which link was paid, by whom and when.

Compared with sharing a UPI ID or a QR code in chat, a link:

• Carries the amount and reason, so nobody pays the wrong figure.
• Tells you it was paid — no screenshot matching.
• Offers several methods — UPI, cards, net banking — depending on what your gateway account has enabled.
• Can expire, so a held slot is released if the customer never pays.

1. Log in to the Razorpay Dashboard with an activated account (KYC complete).
2. Open Payment Links and choose to create a new link.
3. Enter the amount and a clear description — what the payment is for ("Teeth cleaning advance, Sat 10:30").
4. Add the customer's details — name and mobile number — so the payment is recorded against them.
5. Set an expiry if the offer or slot is time-bound, and a reference such as your order or booking number.
6. Create the link and copy it.

Menu names change from time to time, so follow Razorpay's own help pages if a step looks different. Check Razorpay's pricing page for the current fee on each payment method before you decide who bears it.

Paste the link into the customer's chat with a short message that says exactly what they are paying for. A message that works:

Hi {{name}}, your teeth cleaning is booked for Saturday at 10:30 AM. Please pay the ₹500 advance to confirm your slot: {{payment link}}. The link is valid for 2 hours.

Four things make the difference between paid now and paid "later":

• Send it while they are still in the chat. The moment the customer says yes is the moment they are most likely to pay.
• Say what happens after. "Your slot is confirmed as soon as the payment goes through."
• Give a deadline and use the link's expiry to back it up.
• Use your own business number on the WhatsApp Business API, so the chat shows your brand — customers are rightly careful about payment links from unknown numbers.

On the WhatsApp Business API, a payment link sent inside the customer's 24-hour reply window can be a normal message. A payment reminder sent later must be an approved utility template — see the reminder message templates.

Every link has a status in the Razorpay Dashboard — created, paid, partially paid, expired or cancelled — with the payment ID, method and time. For a handful of links a day, checking the dashboard works. Beyond that, the manual steps add up: match the payment to the chat, confirm the booking, make the receipt, raise the invoice, tell the customer.

Razorpay can notify your own system the moment a link is paid (webhooks), which is how software closes the loop automatically. That is what the next section is about.

With Reputoo Payment, you connect your own gateway account once, and payment links become part of the conversation:

1. The customer says yes — to a booking, a class package, a site-visit deposit — to your AI agent on WhatsApp, or to the voice agent on a phone call.
2. The agent sends the payment link in the same chat, for the right amount, without anyone on your team stepping in.
3. The customer pays by UPI, card or net banking on the gateway's secure page.
4. Everything after is automatic: the booking confirms when the payment clears, and the receipt and GST invoice go to the customer on WhatsApp.

The money goes to your gateway account, not through a middleman, and your team sees every payment against the customer's chat. Bookings that need an advance can wait for payment, or let the customer choose between paying online and paying at the visit.

Not every payment is the full amount up front. Three patterns cover most businesses:

• Advance to confirm. A small fixed amount — ₹200 for a salon slot, ₹500 for a clinic visit, a token for a site visit — that secures the booking. The rest is paid at the visit. Advances cut no-shows because the customer has committed.
• Full payment. For products, class packages and online consultations, the full amount on the link.
• Customer's choice. Offer "pay now" or "pay at the venue" and let the booking reflect which one they chose.

Razorpay's payment link settings also let you decide whether a customer may pay part of the amount on a link; use that for instalments or large orders, and keep fixed amounts for advances so the booking logic stays simple.

Some customers will not pay straight away. A short, polite sequence recovers most of them:

1. Same chat, an hour later — a gentle nudge with the same link, if the customer is still within their 24-hour reply window.
2. Before the link expires — "Your slot is held until 6 pm; here's the link again."
3. After expiry — release the slot and say so, with an offer to rebook. Customers respect a clear rule more than an open-ended chase.

Reminders sent after the 24-hour window must be approved utility templates on the WhatsApp Business API — and should contain the payment details only, not offers.

Payment links make month-end far easier, provided each link carries a reference — the order, booking or invoice number. Export your gateway's payment report, match it against your invoices by that reference, and the unmatched lines are the ones to look at. When the invoice is raised from the payment itself, the two match by design and the accountant gets a clean set of numbered GST invoices with nothing to chase.

For Indian businesses, the payment is only half the paperwork. Customers — especially businesses buying from you — want a proper tax invoice with your GSTIN, theirs where relevant, the tax breakup and an invoice number in sequence. Writing these by hand at the end of the day is where errors creep in.

When the payment and the invoice live in the same system, the invoice is raised the moment the payment is confirmed and sent to the customer on WhatsApp as a PDF, along with a receipt. You get a clean record for your accountant, and the customer has everything in the chat where they paid.

A UPI ID or QR code is fine at the counter. For anything sold in a chat, a payment link is faster for the customer and far less work for you.

• Clinics and salons — appointment advances that cut no-shows.
• Coaching, fitness and yoga — fees and class packages, with renewals reminded on WhatsApp.
• Real estate — site-visit or token deposits.
• Restaurants and cloud kitchens — prepaid orders and table deposits on busy nights.
• E-commerce — converting cash-on-delivery orders to prepaid before dispatch. See WhatsApp order updates.
• Services and B2B — invoices paid the day they are sent, not at month end.

• Vague descriptions. "Payment" tells the customer nothing; "₹500 advance, teeth cleaning, Sat 10:30" does.
• Links with no expiry for time-bound offers. Old links get paid weeks later for slots that no longer exist.
• Sending from a personal number. Customers are warned about payment scams; a verified business profile builds trust.
• Chasing in a new chat. Reminders belong in the same conversation, with the same link, before it expires.
• Doing the paperwork later. Receipts and invoices sent days afterwards are the ones customers ask about.