Payments on WhatsApp: How to Create a Payment Link & Checkout Flow in Chat (2025)

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Payments on WhatsApp: How to Create a Payment Link & Checkout Flow in Chat (2025)

Cekat AI

Cekat AI

Payments on WhatsApp: How to Create a Payment Link & Checkout Flow in Chat (2025)

WhatsApp Payment Links & Checkout continue to grow as the most practical transaction solution for online businesses in 2025. As shopping habits shift further toward conversations (chat commerce), customers now want to complete purchases without ever leaving WhatsApp — fast, simple, and pay instantly.

This article covers in full how payments via chat work, how to create a payment link, integration with official payment providers, example checkout flows, and how to track payments automatically using automation and an AI agent like Cekat.ai.

Why Is Payment on WhatsApp Becoming the New Standard in 2025?

Before getting into the technical details, it’s worth questioning a common assumption: “As long as customers can transfer money manually, a business doesn’t need a payment link.”
That’s wrong. E-commerce trends and data from 2024–2025 show three important facts:

  • Conversion increases significantly when customers don’t have to leave WhatsApp.

  • Human error in manual transfers causes losses (wrong amounts, typos, delayed confirmation).

  • Businesses that automate invoicing & payment follow-up have a higher payment success rate.

In other words, a payment link isn’t “optional” — it’s becoming a foundation of modern conversation-based selling.

A payment link is a payment URL containing the amount, order description, and payment method that can be opened directly from a WhatsApp chat. The customer just clicks it → chooses a method → pays → and it’s automatically confirmed.

This system works through integration between:

  • WhatsApp Business API,

  • an official payment provider,

  • and an automation platform like Cekat.ai.

The combination of these three produces a faster, more measurable, and error-free checkout experience.

How Payment via Chat Works: A Standardized Flow

To make sure this flow isn’t just a cosmetic feature, let’s test the logic from a business perspective:

  1. The agent (human or AI) sends an automatic invoice on WhatsApp.

  2. The customer clicks the payment link without leaving the app.

  3. The system displays the amount, product details, and payment method.

  4. The customer completes payment via VA, e-wallet, card, or QRIS.

  5. A success notification comes into the business system in real time.

  6. Cekat.ai can then run automations such as:

    • updating order status,

    • sending the tracking number,

    • following up on failed payments,

    • or sending an upsell offer.

The result: a low-friction transaction process that increases the chance of repeat purchases.

Here are the most commonly used technical steps for businesses — make sure to adapt them to your chosen payment provider.

1. Choose an Official Payment Provider

In 2025, payment providers commonly used with the WhatsApp API include:

  • Midtrans

  • Xendit

  • Doku

  • Stripe (for the global market)

  • Faspay

  • Dana / OVO / ShopeePay (via an aggregator)

Choosing a provider determines:

  • the types of payment methods available,

  • admin fees,

  • and settlement speed.

A common wrong assumption:
“All providers are the same.”
In reality, differences in transaction limits, server stability, and payment notification SLA greatly affect the customer experience.

Once the API integration is complete, a payment link can be generated through:

  • the payment provider’s dashboard, or

  • automatically through an AI/automation system like Cekat.ai.

The format is usually:
https://pay.domain.com/invoice/12345

The link contains:

  • product name,

  • amount,

  • invoice ID,

  • validity period,

  • and active payment methods.

Sending can be done:

  • manually (CS copy-pastes it), or

  • automatically (Cekat.ai’s AI WhatsApp agent).

Send it using a template message or a regular message formatted like this:

“Here’s the payment link for your order. Please click it and complete the payment so your order can be processed right away.”

4. Customer Checks Out

When the link is opened, the customer immediately sees:

  • the total amount due,

  • order details,

  • payment options (QRIS, e-wallet, VA, card).
    No account registration is required.

This flow is a great fit for social commerce, resellers, and brands with high WhatsApp traffic.

Example WhatsApp Checkout Flow (Step by Step)

An example conversation flow from an agent (AI) to a customer:

Agent:
“Thanks for your order! Here’s a summary of your purchase:
• Product: Premium Package
• Total: Rp199,000
Click the following link to pay: [Payment Link]”

Customer:
(clicks the link → selects QRIS)

System:
Payment successful.

Agent:
“We’ve received your payment! Your order is being processed. You’ll receive an automatic tracking update.”

This flow summarizes the entire process without the customer ever leaving the conversation. That’s what makes it so conversion-friendly.

How to Track Payments Automatically (2025 Reconciliation)

Payment tracking should no longer be done manually. This is where the integration of WhatsApp + Payment Provider + Cekat.ai shows its strategic value.

Automatic tracking covers:

  • detecting payment success/failed/expired,

  • triggering an automatic message when payment succeeds,

  • flagging customers who haven’t paid and sending reminders,

  • updating order status in the internal system,

  • a real-time dashboard for all invoices.

A challenge that’s often overlooked:
Businesses assume email notifications from the payment provider are enough.
But customers now buy via WhatsApp, so notifications need to come back to WhatsApp to keep the funnel intact.

Cekat.ai enables this through automation and an AI agent synced with payment providers.

Payment via WhatsApp is no longer a nice-to-have feature — it’s an essential foundation for businesses relying on chat commerce in 2025. With a payment link, the checkout flow becomes faster, clearer, and error-free — which ultimately has a direct impact on sales growth.

The right payment provider integration, combined with solid WhatsApp automation, delivers a better customer experience and more consistent conversion.

Want an Automated & Integrated WhatsApp Checkout?

Cekat.ai helps businesses create payment links, automatic invoices, real-time payment tracking, and an AI agent that fully handles chats, follow-ups, and order processing.

The platform supports:

  • the official WhatsApp Business API,

  • verified payment providers,

  • end-to-end automation for social commerce.

Explore the WhatsApp Payment Link & Checkout solution that’s faster, more efficient, and ready to use right away.
Visit the Cekat.ai Social Commerce landing page to get started.

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