WhatsApp is the most widely used messaging app in the UK, with millions of people checking it several times a day. Customers don’t just use it to chat with friends — they use it to talk to businesses, ask questions, and confirm purchases. Increasingly, they expect to pay inside the same conversation.
The problem? Standard payment systems aren’t built for chat. Redirecting a customer to a website or asking them to read out their card details introduces friction and risk. That’s why SOTpay makes WhatsApp payments secure, fast, and PCI compliant.
How WhatsApp Payments Work with SOTpay
The process is simple:
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Your team sends a secure pay-by-link through WhatsApp.
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The customer clicks and completes their details in a secure browser session.
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Sensitive card data never touches your systems, your agents, or the WhatsApp platform.
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The payment is authorised in real time, and your reporting updates instantly.
It feels seamless for the customer and keeps your business fully protected.
The Benefits of WhatsApp Payments
Close Sales in the Moment
By keeping the payment inside WhatsApp, you remove the risk of drop-offs. A customer enquires, you send a link, they pay — all in the same chat.
Better Customer Experience
Payments via WhatsApp are fast, familiar, and easy. Customers don’t have to switch apps, call back, or wait for an invoice.
Security & Compliance Built-In
SOTpay uses digital 3D Secure authentication and is fully PCI DSS compliant, ensuring every transaction is safe and liability for fraud shifts to the card issuer.
Reduce Costs & Chargebacks
With fraud almost eliminated and manual admin reduced, businesses cut costs while boosting profitability.
Connect to Your CRM
Transactions taken via WhatsApp can be automatically logged against your customer records, making reconciliation effortless and improving reporting accuracy.
WhatsApp Payments in the Bigger Picture: Social Commerce
WhatsApp is part of a wider trend: social commerce. More and more, people expect to discover, engage, and complete purchases inside the apps they already use. Alongside WhatsApp, SOTpay supports SMS, live web chat, and other messaging channels, giving your business a full multichannel payments strategy.
Where SOTpay Connect Fits In
For businesses that want even more flexibility, SOTpay Connect takes the model further. It adds open banking, direct debit options, and a growing marketplace of integrations with CRMs and accounting platforms. With Connect, WhatsApp payments can sit alongside SMS, email, and social media payments — all tied back into your existing systems.
This means:
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Faster reconciliation and reporting.
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More ways to pay for your customers.
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The ability to future-proof your payment strategy across multiple platforms.
Why Businesses Choose SOTpay
Companies across industries — from retailers and charities to utilities and service providers — trust SOTpay because it:
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Engages customers where they already are: WhatsApp, chat, and social.
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Removes risk with PCI compliance and 3D Secure.
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Cuts chargebacks by shifting liability.
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Integrates seamlessly with existing systems.
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Scales easily, from a single team to a national contact centre.
FAQs
What is a WhatsApp payment?
A WhatsApp payment is when a business sends a secure pay-by-link inside the app, allowing the customer to complete their purchase safely without leaving the conversation.
Are WhatsApp payments secure?
Yes. With SOTpay, all payments use digital 3D Secure protocols and never expose card data to agents, chat logs, or your IT systems.
Can WhatsApp payments link with my CRM?
Yes. Payments can be logged against customer records, making reconciliation faster and reducing manual admin.
How fast can WhatsApp payments be set up?
SOTpay is cloud-based and requires no hardware. Most businesses can be live in days, with agents trained in less than an hour.
How does SOTpay Connect add value?
SOTpay Connect extends WhatsApp payments into a wider ecosystem, offering open banking, direct debit, and integrations with CRMs and accounting tools for complete payment flexibility.
Your customers are already on WhatsApp. Don’t make them leave the conversation to pay.
Book a free SOTpay demo today and see how secure, PCI-compliant WhatsApp payments can transform your business.
