CEO
A new channel without a new app
Launch one payment journey in the app customers open every day, then add the next. No app store, no new provider, no new ledger.
One integration. Your existing system.
Your payments.Now on WhatsApp.
Let customers send money, pay bills and top up wallets in chat. Flowmynt connects WhatsApp to your existing platform and payment provider, keeping your business records in sync.
Built for
- Wallets
- Lenders
- Remittance apps
- Neobanks
- Billing platforms
- Payment apps
US$2,999 setupUS$999/mo maintenanceTaxes extra.
Your fintechtyping...
Today
Hi! I’d like to send money.
Your fintech is typing
1/4
Destination
Choose where to send
In short
Flowmynt turns a fintech's WhatsApp Business number into a payment channel with nothing for customers to install. They send money to beneficiaries, pay bills, settle invoices and top up wallets in a few secure steps, each authorized by the fintech's own payment provider. Setup costs US$2,999 one-time plus US$999 monthly maintenance, taxes extra.
For every seat at the table
What WhatsApp payments mean for each leader.
One integration, read six ways. Each card is a fact about how the channel works, not a projection.
CFO
Clear pricing, same settlement
One-time setup plus a flat monthly fee. Your provider keeps authorizing and settling under the agreements you already have.
COO
One record for support and finance
Requests, receipts and provider status land in the chat and in your system. No internal project team to stand up; Flowmynt runs the build and the maintenance.
CMO
Payments where customers reply
A verified business number, your brand and reminders in the same thread. No download step to lose people on.
CTO
Built by us, inside your stack if you prefer
Connects to your existing platform and provider APIs. If you would rather not allocate engineers, Flowmynt builds inside your codebase, environments and delivery pipelines, then maintains it.
CIO / CISO
Authorization stays with your provider
Customers authorize on your provider's hosted page. We agree identity checks, access controls, data handling and audit requirements with your team before launch.
How it works
How WhatsApp payments work for fintechs.
Four things are always true. No app. Your brand. Your provider says yes. One record, everyone in sync.
- No app
No app. No download.
Customers start in the WhatsApp they already use. Your existing identity and payment checks still apply.
- Your brand
Your number, front and centre.
It starts from the business number they already know, in your tone, with your support behind it.
- Provider-authorized
Your provider says yes.
Every payment is authorized on your provider's secure page. Same agreements, same settlement, no surprises.
- In sync
One record. Everyone in sync.
Status flows back to the chat and to your system. Support, finance and ops see the same payment.
Frameworks for your security review
- PSD2 SCA
- ISO 27001
- SOC 2
- PCI DSS
- GDPR
WhatsApp payment journeys
Top-ups, bills, invoices, instalments. Watch each one play.
Every journey follows one pattern: a request card, secure authorization with your provider, and a confirmation that updates your records. Standard setup connects one agreed journey; add the others when you are ready.
- Nothing to install or update
- No new login to remember
- Works on any phone with WhatsApp
- 1Request
- 2Authorize
- 3Done
Wallet top-up. Request...
- Wallet top-up: Balance posted to the customer's wallet.
- Pay a bill: Biller reference stored against the customer.
- Invoice payment: Invoice marked paid in your records.
- Instalment payment: Repayment schedule updated automatically.
Plan my first journey
Every journey starts in the chat and is authorized by your payment provider. Whether the final step happens inside WhatsApp or on your provider's secure page depends on your market, your provider and your account eligibility. We confirm the right route with you during setup, before anything goes live.
Why WhatsApp
Why fintechs move payments into WhatsApp.
WhatsApp is the app your customers open every day. Moving requests, authorization and receipts into that thread removes the steps where payments usually stall.
Fewer drop-offs
No app to install, no new login and no redirect maze. The customer taps a request card and authorizes with your provider.
Requests and reminders that get answered
Send a payment request when an invoice is issued or an instalment falls due. Reminders land in the same thread, where customers already reply.
Trust built in
A verified business number, a familiar app and authorization on your provider's secure page. Customers never type card details into a chat.
Live status, no screenshots
Provider status returns to your system in real time. No screenshot receipts, no spreadsheet reconciliation, one record for support and finance.
Your WhatsApp numberCustomer conversation, no app
Flowmynt integrationJourney, requests, status
Your provider and recordsAuthorization, settlement, ledger
No provider switch
One integration. Your provider, your ledger, no app.
Customers keep the WhatsApp they already have. You keep the provider and the records your team already maintains. Flowmynt connects the conversation to both.
- Customers use WhatsApp on any phone, with nothing to install
- Works with an existing Flowmynt deployment or another platform
- Flowmynt can build inside your codebase and delivery pipelines, so your team stays on its roadmap
- Provider APIs and payment methods reviewed before scope is agreed
- Status updates returned to the chat and to your system
Scope
What the WhatsApp integration includes. What you bring.
One connection, priced clearly. Setup covers the build. Maintenance keeps it working as your provider and WhatsApp evolve.
Setup includes
- Review your system and payment provider
- Configure one branded WhatsApp payment journey
- Connect payment requests and provider status updates
- Test the agreed flow and hand over operating guidance
Maintenance covers
- Integration health checks
- Bug fixes for the delivered integration
- Routine API and platform compatibility updates
- Support for the agreed payment journey
Prefer it built inside your own stack? Flowmynt works in your codebase, environments and pipelines under your access controls. No engineering team allocation on your side.
You bring
WhatsApp Business account access
Payment provider documentation
A test environment
Your launch market
Implementation
Live in three steps.
From your current setup to your first chat payment. Timing is agreed after reviewing your APIs, account approvals and testing needs.
- 1
Review your setup
Share your system, provider and launch market. We check compatibility and agree the first journey.
- 2
Connect and configure
Provide approved WhatsApp account access, provider documentation and a test environment. We build the connection.
- 3
Test, approve, launch
Review successful, pending and failed payments with your team. Agree the rollout and ongoing support responsibilities.
PSD2
Provider authenticationYour provider applies the authentication needed for your payment method and market. Agree the authorization flow during implementation.
ISO 27001
Information security reviewReview access management, change control and incident handling with your security team. Request current evidence during due diligence.
SOC 2
Operational controls reviewAgree security, availability and confidentiality controls, including the evidence your procurement team needs.
PCI DSS
Hosted card-data collectionCard details are collected on your provider's hosted page. Confirm the integration's PCI scope with your provider and assessor.
GDPR
Data handling reviewAgree the personal data needed, retention, access and processing responsibilities for your customer journey.
Your provider supplies the regulated payment services under your agreements. Its licences and certifications do not automatically certify this integration.
Security and compliance
Security and compliance for WhatsApp payments.
Flowmynt builds the chat journey and software connection. Your appointed provider handles authorization, processing and settlement. We review the controls and responsibilities for your implementation before launch.
- Your existing identity checks remain part of the agreed customer journey
- Provider authorization on every payment, no stored card data
- Payment steps happen on your provider's secure pages, not in the chat
- Data handling and retention agreed in writing before launch
Flowmynt software
Builds and maintains the WhatsApp journey and the connection to your system and payment provider.
Your payment provider
Authorizes, processes and settles payments under your existing agreements and licences.
These frameworks describe areas for review, not certifications held by Flowmynt. Confirm applicable requirements, evidence and responsibilities in writing before launch.
Pricing
WhatsApp payments pricing for fintechs.
One connection, two numbers. A one-time setup fee and a flat monthly maintenance fee for the fintech you already run.
Set it up
US$2,999
one-time integration setup
Get my integration plan- Review your system and payment provider
- Configure one branded WhatsApp payment journey
- Connect payment requests and provider status updates
- Test the agreed flow and hand over operating guidance
Keep it running
US$999/mo
monthly maintenance
Get my integration plan- Integration health checks
- Bug fixes for the delivered integration
- Routine API and platform compatibility updates
- Support for the agreed payment journey
All prices in USD. Taxes extra. Standard setup covers one agreed journey connected to your existing system and provider. We confirm compatibility, access and delivery scope before work begins.
WhatsApp messaging and payment-provider charges are separate.
Need the full platform? Explore all Flowmynt plansGet your integration plan
Get your integration plan from the founder.
Tell us who you are and the first journey you want. Your details open as a WhatsApp message to the founder; press send and Sanjay replies in the same chat.
- Your company and work email
- The first journey you want
- A reply from the founder, not a sales team
SanjayFounder, Flowmyntsanjay@flowmynt.com
FAQ
WhatsApp payments for fintechs: questions answered.
Which fintechs is the WhatsApp payment channel suited to?
Fintechs that already have a payment provider and a customer record system: wallets, lenders, remittance apps, neobanks and billing platforms. Flowmynt connects one agreed journey, such as sending money to a beneficiary or topping up a wallet, to that system. Fit is confirmed in the review before any work starts.
Do customers need to install anything to pay on WhatsApp?
No app, no download and no new login. Customers use the WhatsApp they already have, on any phone. The journey starts with a message to your business number, and the payment is authorized on your provider's secure page, with nothing required beyond what your provider already asks for.
How many steps does a WhatsApp payment take?
Four, each a single tap or message: verify identity, review the request, authorize on your provider's secure page, and receive the receipt. The exact sequence is agreed with your team during setup and tested before launch. Any authentication your provider requires happens inside its authorization step.
Can customers send money to a beneficiary from WhatsApp?
Sending money to a saved beneficiary is one of the supported journeys. The customer verifies their identity, picks the recipient, confirms the amount and fee, then authorizes with your provider. Your platform creates the transfer, and the receipt and status return to the chat. Destinations and payout methods follow your provider and licences.
Which payment journeys are available on WhatsApp?
Five journeys are supported: send money to beneficiaries, wallet top-up, bill payment, invoice payment and instalment payment. Each follows the same pattern of request, authorization and confirmation. Standard setup connects one agreed journey; the others are added as separate, quoted work once the first is live.
Can payment requests and reminders on WhatsApp be automated?
Requests can be triggered from your system, for example when an invoice is issued or an instalment falls due, and reminders can follow in the same thread. Scheduled and bulk messages depend on WhatsApp Business messaging rules and approved templates, which we confirm for your account during the review.
Can the WhatsApp channel run alongside our app and website?
The WhatsApp channel is an additional way to start a payment, not a replacement. Your app, website and back office keep using the same customer records and the same provider. Every status update lands in the conversation and in your system, so support and finance see one picture.
What stays with our payment provider when customers pay on WhatsApp?
Everything that touches the money. Your provider authorizes, processes and settles under your existing agreements, and card details are entered on its hosted page. Flowmynt supplies the software that starts the request in chat, returns the provider's status and updates your records.
Do we need to assign our own engineers to the WhatsApp integration?
Your engineering team stays on its roadmap. Flowmynt builds and maintains the integration and, if you prefer, works inside your codebase, environments and delivery pipelines under your access controls. Your side provides approvals, provider access and a test environment. Timelines are agreed after the review.
How does the WhatsApp integration handle security and compliance?
We review provider authentication, access controls, data handling and audit requirements with your team. PSD2 SCA, ISO 27001, SOC 2, PCI DSS and GDPR are review areas, not claims that Flowmynt holds certifications. Your provider authorizes and processes payments; applicable requirements and responsibilities are agreed before launch.
What happens when I submit the integration plan form?
The form opens WhatsApp with your details filled in as a message to the founder. You press send, and Sanjay replies in that chat with a view on fit, scope and timing. A Send by email option is also offered. Nothing is stored or submitted by this website.
Will customers be able to pay through AI assistants or Instagram?
AI assistants such as Claude, ChatGPT, Gemini and Perplexity, and Instagram direct messages, are planned extensions of the WhatsApp integration, shown on this page as in the pipeline. The pattern stays the same: a request, authorization on your provider's secure page, and a confirmation to your records. Availability depends on each platform's payment programmes.
Explore further
Related Flowmynt pages for the platform, pricing and security behind this integration.
Ready when you are.
Take your first WhatsApp payment.
In the pipeline
Let your customers send, pay and top up using AI and Instagram.
The same four secure steps, inside the AI assistants your customers already talk to and on Instagram. Ask Claude, ChatGPT, Gemini or Perplexity to pay a bill, or tap a payment request on Instagram. Your provider still authorizes. Your records still update.
AI assistants planned
- Claude
- ChatGPT
- Gemini
- Perplexity
- More assistants
Messaging channels planned
- Same request, authorize, confirm pattern as WhatsApp
- Authorization on your provider's secure page, never inside the assistant or the DM
- Built on the WhatsApp integration you launch today
Get early access
Planned features, not yet available. Availability depends on each assistant's and platform's app and payment programmes. Names and logos identify the products only; no partnership or listing is claimed. Early-access fintechs hear first.
US$2,999 + US$999/moSetup + monthly. Taxes extra.Send on WhatsApp