Customers are no longer tied to phone calls or websites when it comes to buying. Messaging apps like WhatsApp, SMS, and live web chat are where conversations happen — and increasingly, where transactions happen too.
If your business isn’t able to accept payments through these channels, you risk losing sales to competitors that can. SOTpay makes messaging app payments possible, safe, and PCI compliant, giving your customers the freedom to pay where they feel most comfortable.
What Are Messaging App Payments?
Messaging app payments are secure transactions that take place within apps customers already use to communicate — including WhatsApp, SMS, Facebook Messenger, or your website’s live chat tool. Instead of redirecting to a separate site or asking for card details over the phone, businesses send a secure pay-by-link inside the chat.
The customer clicks the link, completes their payment in a secure browser session, and receives confirmation — all without leaving the conversation.
How SOTpay Delivers Secure Messaging App Payments
With SOTpay, every payment link is:
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PCI DSS compliant – sensitive card data never enters your systems or the chat app.
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Protected by digital 3D Secure – liability shifts to the card issuer, reducing fraud losses.
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Cloud-based and fast to deploy – no hardware required.
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CRM-integrated – transactions can be logged automatically against customer records.
This keeps your business safe, your customers happy, and your processes efficient.
Where SOTpay Connect Expands the Possibilities
SOTpay Connect is the next evolution of our payment suite. It enhances messaging app payments by:
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Offering open banking and direct debit as additional payment options.
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Connecting with accounting platforms like Xero, QuickBooks, and Sage for automatic reconciliation.
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Integrating with CRM systems so sales and support teams see a complete customer record.
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Providing a marketplace of plugins to customise your setup.
With SOTpay Connect, your WhatsApp, SMS, and web chat payments don’t just happen in isolation — they become part of a unified, multichannel payment strategy.
Benefits of Messaging App Payments
1. Close Sales Instantly
When the conversation and the payment stay in the same channel, customers act quickly. Less friction means fewer abandoned purchases.
2. Enhance Customer Experience
Messaging apps feel personal and familiar. Adding secure payment options makes transactions as simple as sending a message.
3. Improve Security & Reduce Fraud
By keeping card data outside your systems, you eliminate risk. Fraudulent chargebacks are cut dramatically with 3D Secure.
4. Reduce Costs & Save Time
Manual invoicing and reconciliation waste time. Messaging app payments automate the process and lower overheads.
5. Scale with Your Business
From a small team using WhatsApp to a national call centre managing multiple chat channels, SOTpay scales to match your needs.
Common Use Cases
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Retail & E-commerce: Take deposits or confirm sales directly in WhatsApp or Messenger.
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Charities & Fundraising: Accept donations during conversations with supporters.
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Utilities & Subscriptions: Send renewal reminders and secure links via SMS.
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Trades & Services: Close bookings instantly with a secure pay-by-link in chat.
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Customer Support: Resolve billing issues in real time without switching channels.
FAQs
What are messaging app payments?
Messaging app payments allow businesses to send secure pay-by-links inside apps like WhatsApp, SMS, or live web chat, so customers can pay without leaving the conversation.
How secure are they?
With SOTpay, messaging app payments are fully PCI DSS compliant and protected by 3D Secure, which shifts liability for fraud to the card issuer.
Do I need special hardware?
No. SOTpay is cloud-based, so payments can be set up quickly with minimal training and no additional hardware.
Can I integrate messaging app payments into my systems?
Yes. With SOTpay Connect, payments integrate directly into your CRM or accounting software, ensuring reconciliation is automatic and records are accurate.
What industries benefit most?
Any industry that communicates with customers via chat — retail, services, charities, utilities, and more. If your customers are messaging you, they can also pay you.
Your customers are already talking to you via messaging apps. Let them pay you there too.
Book your free demo of SOTpay today and see how messaging app payments can transform the way your business sells and supports.
