How to Accept Paystack Payments on WhatsApp

Paystack is one of South Africa’s most widely used payment providers — it handles card payments, instant EFT and bank transfers, and settles funds to your bank account. On its own, though, Paystack lives on a website or a payment page. The trick is bringing it into the WhatsApp conversation where your sales actually happen.

The old way vs. the WhatsApp way

Traditionally you’d agree a price on WhatsApp, then send the customer to a separate link, an EFT they promise to “do later”, or ask for proof of payment. Every extra step is a place where the deal stalls. The WhatsApp way keeps it in one thread: the customer agrees, gets a secure payment link right there, taps, and pays.

How it works with Chatly

• A customer agrees to a quote or picks items in the chat.
• Chatly generates a secure Paystack checkout link and sends it in the conversation.
• The customer pays by card or instant EFT — no app to install, nowhere else to go.
• Both of you get an automatic confirmation, and the sale is recorded in your dashboard.
• Funds settle to your own South African bank account.

Deposits and custom amounts

Not every sale is a fixed price. You can request any amount — a 50% deposit to secure a booking, a custom quote for a specific job, or a once-off callout fee. Chatly generates the link and tracks whether it’s been paid, so you’re never chasing.

Do you need your own Paystack account?

With Chatly, the payment infrastructure is set up for you during onboarding — you just provide your business bank details and confirm they’re correct. From then on, every sale routes to you automatically.

The result: you get paid before you start the work, your cash flow stops depending on “I’ll pay you later”, and every transaction is recorded properly instead of scattered across chat screenshots.