# Payments API — India | Developer Documentation

<div id="bkmrk-payments-api-%E2%80%94-india">## Payments API — India

<div><span>Updated: Nov 26, 2025</span></div><div>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.</div><div>You can send invoice (`order_details`) messages to your customers, then get notified about payment status updates through webhook notifications from the payment gateway.</div><div id="bkmrk-know-the-differences"><div id="bkmrk-know-the-differences-1"><div>### Know the differences in the models of integration

</div></div></div><div>The integration model you use depends on your payment gateway. The two models differ in the following ways:</div>
<span>**[UPI Intent Mode](/documentation/business-messaging/whatsapp/payments/payments-in/upi-intent)**: This mode can be used with any Payment Gateway provided they support UPI Intent generation.</span><span>**[Payment Gateway Deep Integration Mode](/books/meta-whatsapp/page/receive-payments-via-payment-gateways-on-whatsapp-developer-documentation)**: Currently supported for Razorpay, PayU, Billdesk and Zaakpay only.</span><div><table><thead><tr><th><span>User Experience </span></th><th><span>UPI Intent Mode </span></th><th><span>Payment Gateway Deep Integration Mode </span></th></tr></thead><tbody><tr><td><div><div>**Native support for “Other payment methods”**</div><div><div>For example: Netbanking, cards, wallets</div></div></div></td><td><div><div><div>❌</div></div><div><div>Alternative: Send payment links</div></div></div></td><td><div><div><div>✅</div></div></div></td></tr><tr><td><div><div>**Native support for UPI Intent**</div></div></td><td><div><div><div>✅</div></div></div></td><td><div><div><div>✅</div></div></div></td></tr><tr><td><div><div>**Native Payment Status Notification**</div></div></td><td><div><div><div>❌</div></div></div></td><td><div><div><div>✅</div></div></div></td></tr></tbody></table>

</div><div><table><thead><tr><th><span>Integration Features </span></th><th><span>UPI Intent Mode </span></th><th><span>Payment Gateway Deep Integration Mode </span></th></tr></thead><tbody><tr><td><div><div>**Refunds from WhatsApp APIs**</div></div></td><td><div><div><div>❌</div></div></div></td><td><div><div><div>✅</div></div></div></td></tr><tr><td><div><div>**Payment Status from WhatsApp webhooks**</div></div></td><td><div><div><div>❌</div></div></div></td><td><div><div><div>✅</div></div></div></td></tr></tbody></table>

</div><div id="bkmrk-prerequisites-for-in"><div id="bkmrk-prerequisites-for-in-1"><div>### Prerequisites for integration

</div></div></div>
<span>**Essential Payments APIs are available at SP/TP**</span><span>**Access to merchant order trigger APIs / CSVs** needed to trigger an order. (for example, amount, goods or service details)</span><span>**Access to payment posting APIs** needed to close an order (for example, ticket generation APIs to create tickets once payment is received)</span><div id="bkmrk-full-payment-gateway"><div id="bkmrk-full-payment-gateway-1"><div>#### Full payment gateway deep integration mode

</div></div></div>
<span>**Find out payment gateway account owner**: This authorizes linking the account to WhatsApp Business Manager.</span><div id="bkmrk-upi-intent-mode"><div id="bkmrk-upi-intent-mode-1"><div>#### UPI Intent mode

</div></div></div>
<span>**Find out VPA IDs, MCC, and PC** for your business from the merchant’s payment gateway.</span><span>**Access to payment gateway API docs**:</span><span>UPI Intent S2S calls</span><span>Webhook configuration for payment status</span><div id="bkmrk-example-use-cases-an"><div id="bkmrk-example-use-cases-an-1"><div>### Example use cases and features needed

</div></div></div><div><table><thead><tr><th><span>Use case </span></th><th><span>Essential Feature Set </span></th></tr></thead><tbody><tr><td><div><div>**Buying Tickets**</div><div><div>For example: Metro, bus, event tickets</div></div></div></td><td><div>
<span>Order Details Message</span><span>Payment Status Webhook/API</span><span>Order Status Message</span><span>Refund</span></div></td></tr><tr><td><div><div>**Payment Reminders**</div><div><div>Example: Bill payments, subscription renewals, insurance renewals</div></div></div></td><td><div>
<span>Order Details Template</span><span>Payment Status Webhook/API</span><span>Order Status Message</span><span>Refund</span></div></td></tr></tbody></table>

</div><div id="bkmrk-support"><div id="bkmrk-support-1"><div>### Support

</div></div></div>
<span>In case you run into an issue, reach out to [direct support<span>⁠</span>](https://business.facebook.com/direct-support/). *Make sure to choose the correct case type: **“WaBiz: Business Payments API”** so you get a faster resolution.*</span><span>[Sign up for office hours<span>⁠</span>](https://l.facebook.com/l.php?u=https%3A%2F%2Foutlook.office365.com%2Fowa%2Fcalendar%2FWhatsappBusinessPaymentsIndiaOfficeHourse%40meta.com%2Fbookings%2F&h=AT6wsVJpTW0Wz4BTokxLypmBeB5Pqdoh_Czg8odxxSfl1aJsw5I3vhAUDSDZDDWLQM3E1pKmA0pZgGk-soU9mBwLJ20F5a7ShpF-FuXZIV-2a8H1KpwRtXUirEXNlg0tzvuePWs0U2gdY8Tto-v4Nw). *Make sure to write down your issues in the form provided*</span></div>