Best 6 WhatsApp Payment Link Tools and Connectors That Small Retailers Use to Send Secure Invoiced Links Directly in Chat

In a world where mobile messaging is replacing traditional communication channels, small retailers are finding new ways to make sales and receive payments quickly and efficiently. WhatsApp, with its high customer engagement rates, has become more than just a platform for chatting—it’s emerging as a serious business tool. One of the most notable uses for retailers? Sending payment links directly in WhatsApp chats to close sales on the spot.

TL;DR

Small retailers are using WhatsApp payment link tools to send secure, clickable invoices directly in chat. These tools make it easy to request payments, streamline transactions, and enhance customer experience. Popular platforms include Instamojo, Razorpay, and Shopify-integrated solutions, all of which offer business-friendly features. Choosing the right one depends on your tech comfort level, payment gateway preference, and how much automation you need.

Why Use Payment Links in WhatsApp?

For retailers working with limited resources, it’s crucial to simplify operations without sacrificing professionalism. Payment links address that need by allowing business owners to:

• Convert conversations into sales: Close a deal in the same thread you’re chatting in.
• Speed up the checkout process: No need to wait for customers to navigate clunky websites.
• Provide secure, traceable transactions with integrated platforms that support receipts and status updates.

WhatsApp payment link connectors are designed to make this process seamless. Let’s take a look at six of the best solutions that small retailers worldwide are using today.

1. Instamojo

Instamojo is particularly popular among Indian entrepreneurs and small businesses. It allows sellers to create simple payment links which can be directly shared over WhatsApp, SMS, or email. No need for a website or app—just generate the link and hit ‘send’.

• Best For: Quick, hassle-free payments in India.
• Setup Time: Less than 10 minutes.
• Payment Methods: UPI, Debit/Credit Cards, Netbanking.
• Extra Features: Custom branded links, page personalization, and auto-reminders for failed or pending payments.

The platform also offers an in-depth dashboard that tracks every transaction and provides insights—making bookkeeping more manageable.

2. Razorpay Payment Links

Razorpay is another widely-trusted platform that helps retailers send secure, link-based payment requests via messaging platforms. Its real strength lies in powerful integration options and its adaptability for businesses of various sizes.

• Best For: Retailers needing advanced features like recurring payments or bulk payment requests.
• UX Highlight: Automated payment pages that adjust to device and internet speeds.

Retailers on WhatsApp can automate the link sharing process using Razorpay’s APIs or even connect Razorpay with their CRM to personalize chats.

3. PayRequest

PayRequest is a global solution ideal for reaching customers in multiple parts of the world. This tool allows customization of payment pages in different languages and currencies, making it a solid addition to a globally-focused retailer’s toolkit.

• Best For: Selling internationally through WhatsApp.
• Cool Feature: Multi-language checkout pages with real-time exchange rate conversion.

It integrates with payment giants like Stripe and Mollie, giving you flexibility depending on your country and preferred payment processor.

4. Shopify + WhatsApp Connectors

If you’re already using Shopify, then linking payment to WhatsApp is closer than you think. Shopify-compatible apps such as Zoko, QuickReply.ai, and SuperLemon allow merchants to share payment request links directly to WhatsApp customers.

• Best For: Shopify sellers looking to reduce abandoned cart rate or follow up with customers using chat-centric workflows.
• Benefit: Locally stored customer data means faster sending of personalized payment requests.

These connectors also support campaign tools, pre-approved templates, and order tracking—all from inside WhatsApp. Perfect for retailers who rely on repeat customers.

5. WA.Team

WA.Team opens the door for automated WhatsApp interactions, including payment requests, receipts, and delivery confirmations. It supports payment gateway integrations and creates a full messaging workflow—not just standalone payment links.

What makes WA.Team a standout is its end-to-end customer journey support—from first message to last payment receipt.

• Great For: Business owners looking for automation across their customer funnel.
• Automation Level: High (requires minimal manual tracking after setup).

6. Pine Labs Qwikcilver

Pine Labs offers a payment link service via their Qwikcilver platform that is security-first and optimized for mobile users. Big features here include fraud checks, expiry timers on links, and real-time validation. It’s often used by retailers handling larger ticket sizes or where transaction safety is paramount.

• Perfect For: High-value item vendors or those needing strong fraud protection.
• Security Features: Two-factor verification, link expiration, and geolocation-based restrictions.

It’s a plug-and-play option that doesn’t require busy merchants to code anything. Just sign up, create your branded link, and share it privately with clients on WhatsApp.

What to Look for in a WhatsApp Payment Link Tool

With so many tools out there, how do you choose the right one for your business? Here are a few factors to consider:

• Integration balance: Do you want a solution that integrates with your CRM, inventory, or online store?
• Ease of use: How tech-savvy are you or your staff? Simpler platforms like Instamojo are plug-and-play, while others may need setup help.
• Localization and currency options: If you serve international customers, make sure the platform supports multiple currencies and locales.
• Pricing model: Are the fees per link, per transaction, or based on a monthly subscription?

Bonus Tip – Automate the Process with WhatsApp Business API

For retailers who want to act like the big players, the WhatsApp Business API offers the most control and automation. You can use tools like Twilio, 360dialog, or Yalo to programmatically send payment links when specific events occur. Think auto-link generation after cart abandonment or monthly subscription renewals.

Of course, the trade-off is complexity and cost—most small businesses will need a developer to set this up. But if you’re scaling fast, it’s worth considering.

Conclusion

WhatsApp is not just a communication app anymore—it’s a sales and payment powerhouse when coupled with the right tools. Whether you’re a street-side seller, a boutique owner, or a Shopify merchant, sending secure invoiced links directly in chat simplifies the transaction process while keeping it personal.

Remember: Your customer is already on WhatsApp. Why not meet them there, close the sale, and accept payment—all in one conversation?

Choosing the right WhatsApp payment link tool depends on your goals, customer base, and tech skill. Start simple, experiment with a few platforms, and scale as you grow.