In-Chat Payment: Secure and Instant Transactions Within WhatsApp Chats
You'll be in good company.
Join the delighted Shopify merchants growing their businesses with the powerful suite of features from Zoko
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Key Features of Zoko's In-Chat Payment Solution
Auto-Generated In-Chat Payment Links
Zoko auto-generates a personalised payment link and drops it into the same conversation, no manual steps. Customers pay with one tap, and the order lands directly in Shopify.
COD-to-Prepaid Conversion Engine
Zoko automatically sends a payment nudge with an incentive right after COD confirmation, flipping high-intent buyers to prepaid, reducing RTO rates.
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Abandoned-Payment Recovery Flows
Zoko identifies users who received a payment link but did not complete the transaction and auto-sends a contextual reminder, with the same cart, same price, same link, within the same chat thread.
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Multi-Gateway Flexibility
Zoko connects with India's leading payment gateways so your customers can pay however they prefer, UPI, credit/debit card, net banking, or digital wallets.
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Post-Payment Automation & Order Triggers
Completed payment triggers an instant confirmation message, a Shopify order creation, a fulfillment alert to your warehouse team, all automated in sequence via FlowHippo.
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Subscription & Recurring Payment Reminders
For businesses with memberships, retainers, or monthly replenishment cycles, Zoko schedules WhatsApp payment reminders ahead of renewal dates, achieving 3x higher on-time collection than email.
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Payment Status Tracking & Retargeting
Monitor the real-time completion status of every payment campaign from your Zoko dashboard. Launch targeted follow-up broadcasts to the pending segment with urgency messaging.
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End-to-End Encrypted
Every payment processed through Zoko is secured by end-to-end encryption and handled through PCI-DSS-compliant gateway infrastructure.
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No Per-Transaction Platform Markup
Several in-chat payment platforms charge a platform fee on every transaction, on top of gateway fees. Zoko does not add any markup to Meta's conversation fees.
Full-Funnel Commerce — Not Just a Checkout Plugin
Zoko is not a payment bolt-on. It is a full WhatsApp commerce engine where in-chat payment is the natural final step of a complete sales journey.
Meta Partnership
WhatsApp has strict policies around transactional messages and payment-related templates. As a verified Meta Business Partner, Zoko's payment message templates are pre-vetted, approved faster, and carry a lower risk of account restriction.
Shopify-Native Payment Architecture — Not Just a Webhook
Most WhatsApp payment tools treat Shopify as an afterthought, firing one-way webhooks when an order is placed. Zoko's bidirectional sync lets customer data flow in real time between your store and WhatsApp.
Multi-Agent Inbox
Create unlimited agents to manage multiple conversations at once. Ensure consistent communication, smooth handovers, and transparent chat assignments. Track activity logs to increase accountability.
Step 1: Connect Your WhatsApp Business Account
Sign up on Zoko, link your existing WhatsApp Business number, and complete Meta verification through our guided onboarding. Most businesses are live within 24–48 hours.
Step 2: Sync Your Shopify Catalog & Payment Gateway
Connect your Shopify store to Zoko for real-time product and inventory sync. Then link your preferred payment gateway, so Zoko can generate dynamic, personalised payment links for every customer interaction.
Step 3: Build Your Payment Flows with FlowHippo (No Code)
Use Zoko's FlowHippo drag-and-drop tool to design your payment journey: product selection → payment link delivery → reminder if not paid → confirmation on success → post-purchase message.
Step 4: Go Live, Collect Payments & Optimise with Live Analytics
Activate your in-chat payment flows and start accepting orders. Track payment completion rates, drop-off points, and revenue generated per campaign from your Zoko dashboard.
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Testimonial Section
Animeal
“We needed an effective solution to convert these interactions into sales. Zoko's WhatsApp Catalog integration turned out to be our best decision.”
Vipul Patil
Purplle.com
“Zoko...integrates all chats and enables our agents to manage customer success operations efficiently,... The best part was that it took us less than a day to set it up.”
Anuradha Nagar
Dr. Ortho
"Our customers seem really happy with the new WhatsApp chat option. It’s so much easier for them to reach us ..... We’ve been able to respond to queries 40% faster, .."
Navjyoti Kaur
Ready to Turn Every WhatsApp Chat into a Payment?
United States
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Buford
Georgia - 30519
India
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