If you sell products or offer services through WhatsApp in Nigeria, a WhatsApp payment link can make it easier for your customers to pay you without repeatedly sending your bank account details.
With TransferXO, you can create a payment link and send it directly to your customer or client through WhatsApp whenever they are ready to pay.
The process is simple: create a payment link on TransferXO, copy or share it to your customer’s WhatsApp chat, let the customer complete the payment, and confirm the transaction from your TransferXO account.
WhatsApp itself does not create the TransferXO payment link. It simply serves as the communication channel through which you send the link to your customer.
TransferXO allows users to create payment links without building a website or setting up a complicated checkout system. The link can then be distributed through messaging apps, email, social media, or QR codes.
In this guide, you’ll learn how to use a WhatsApp payment link in Nigeria, how to send a payment link to a customer, and how TransferXO can help you collect and track payments from clients you already communicate with on WhatsApp.
What Is a WhatsApp Payment Link?
A WhatsApp payment link is a payment URL that you create using a payment platform and then send to your customer through WhatsApp.
In this case, TransferXO creates and hosts the payment link. WhatsApp is simply where you share it with the person who needs to pay you.
For example, imagine that you sell shoes through WhatsApp.
A customer messages you, selects a pair worth ₦45,000 and confirms the order. Instead of sending your bank details, you can create a payment link for the transaction on TransferXO and send the link in your WhatsApp conversation.
The customer taps the link, follows the payment instructions and completes the payment through the available payment options.
This can make WhatsApp selling more structured because the customer moves directly from discussing the order with you to a dedicated payment page.
TransferXO says payment links can be created without technical setup and shared through messaging apps, social media, email or QR codes.
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How Does a Payment Link Work on WhatsApp?
Using a payment link on WhatsApp usually follows this process:
Customer contacts you on WhatsApp → You confirm the order and price → You create a payment link on TransferXO → You send the link on WhatsApp → Customer opens the link and pays → You confirm the payment on TransferXO.
Suppose you are a photographer in Nigeria.
A client contacts you through WhatsApp and wants to book a photoshoot. Your booking deposit is ₦50,000.
You create a fixed TransferXO payment link for ₦50,000 and send it to the client through WhatsApp.
The client clicks the payment link and completes the payment using an available payment method.
You can then check the transaction on TransferXO before confirming the booking.
WhatsApp therefore remains your customer communication platform, while TransferXO provides the payment-link infrastructure.
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How to Send a Payment Link on WhatsApp in Nigeria
To send a payment link on WhatsApp, you first need to create the link on TransferXO.
Here is how the process works.
1. Sign In to Your TransferXO Account
Open the TransferXO app and log in to your account.
If you are new to TransferXO, create an account and complete any required account setup before using the available payment services.
2. Open Payment Links
From your TransferXO dashboard, open the section where payment links are managed.
TransferXO’s current mobile guide directs users to tap Links from the dashboard and select Create Standard Link when creating a new payment link.
This is where you can create and manage the links you want to use for customer payments.
3. Choose a Fixed or Flexible Payment Link
TransferXO currently allows you to create either a fixed-amount or flexible-amount payment link.
A fixed payment link is useful when you already know exactly how much your customer should pay.
For example, if a WhatsApp customer orders a handbag for ₦30,000, you can create the link for ₦30,000.
TransferXO’s fixed-payment-link flow lets you choose Fixed Amount, enter the amount and then create the link.
A flexible payment link allows the person paying to enter the payment amount.
This can be useful when different customers may need to pay different amounts, such as for donations, contributions, variable invoices or similar payments.
Choose the option that matches the type of payment you want to receive.
4. Enter the Payment Details
Give the link a title that makes it easy to recognize.
For example:
Chika – Wig Order
Website Design – Final Payment
Makeup Booking Deposit
Clear titles can become particularly useful if you receive payments from several WhatsApp customers and have multiple active links.
For a fixed payment link, enter the amount the customer needs to pay and choose the appropriate payment settings.
Then review the information before creating the link.
5. Create Your Payment Link
Once your information is correct, create the payment link.
TransferXO will generate the link, which can then be copied or shared with the person you want to receive payment from.
The customer does not need access to your TransferXO account. You are simply giving them the payment link created for the transaction.
6. Share the Payment Link on WhatsApp
After creating the link, open it from your TransferXO account and select Share.
TransferXO’s current sharing guide states that users can select an existing payment link, tap Share, and then copy or send the payment link through their preferred platform.
You can then send the link to your customer on WhatsApp.
For example:
Hi Ada, your order total is ₦35,000. You can complete the payment using the link below:
[Your TransferXO Payment Link]
The customer taps the link and follows the instructions on the payment page.
This is what it means to send a payment link on WhatsApp: the payment link comes from TransferXO, and WhatsApp helps you deliver it to your customer.
7. Confirm the Customer’s Payment
Once your customer tells you they have paid, confirm the transaction through your TransferXO account.
TransferXO allows you to open a particular payment link and select Transactions to see payments completed through that link.
This is particularly important for businesses selling physical products.
Instead of relying only on a screenshot sent through WhatsApp, check the payment from your own account before dispatching the customer’s order or marking an invoice as paid.
How to Receive Payments on WhatsApp in Nigeria
If your business already receives orders and inquiries through WhatsApp, you can use payment links to turn those conversations into payment opportunities.
You are not technically processing the transaction inside the WhatsApp chat itself. Instead, you create the payment link on TransferXO and send it through WhatsApp.
The customer clicks the link and completes the payment through the payment page.
This can work for many common business transactions in Nigeria, including:
- Product purchases
- Booking deposits
- Freelance invoices
- Consulting fees
- Event payments
- Service charges
- Membership payments
- Donations
TransferXO currently positions Payment Links for freelancers, events, e-commerce sellers and fundraising, among other use cases.
This means a WhatsApp seller can continue communicating with customers through a familiar platform while using TransferXO to provide the actual payment link.
You Should Also Read: 3 Ways TransferXO Helps Freelancers Receive Payments
Can You Use a Payment Link on WhatsApp Without a Website?
Yes. You do not need a website to create a TransferXO payment link and send it to a customer on WhatsApp.
This is one of the main reasons payment links can be useful for social sellers and small businesses.
Many Nigerian businesses operate through WhatsApp, Instagram and referrals without maintaining a full e-commerce website.
For example, a cake vendor may receive an order through WhatsApp, agree on the cake design and delivery date, create a payment link on TransferXO and send it directly to the customer.
No online store is required for that payment journey.
TransferXO specifically states that users can sell products online without a website by sharing payment links directly with customers.
If your business does not have a website yet, this lets you create a more direct payment process without waiting until you have developed one.
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How to Use Payment Links With WhatsApp Business
If you use WhatsApp Business to communicate with customers, payment links can fit naturally into your existing sales process.
For example, a customer may:
- Find your business through social media.
- Message your WhatsApp Business number.
- Ask about a product or service.
- Confirm the price and order.
- Receive your TransferXO payment link.
- Complete the payment.
- Receive confirmation from your business.
You can use payment links when confirming orders, requesting deposits, sending invoices, collecting event payments or closing sales.
The important distinction is that you are not relying on WhatsApp Business to generate the payment link.
You create the link through TransferXO and then share it in the WhatsApp Business conversation.
This can be particularly useful if WhatsApp is already where most of your customer conversations happen.
Learn About Cross Border Payments on TransferXO: What You Need to Know
Why Nigerian Businesses Should Use Payment Links on WhatsApp
For Nigerian businesses that already use WhatsApp to communicate with customers, payment links can make the sales process more convenient and organized. Instead of separating customer conversations from payments, businesses can create a payment link on TransferXO and send it directly through WhatsApp when a customer is ready to pay.
1. To Accept Payments Without Building a Website
A business that receives most of its orders through WhatsApp does not necessarily need to build an e-commerce store before accepting online payments.
With TransferXO, you can create a payment link without technical setup and send it directly to your customers through WhatsApp.
2. To Make It Easier for Customers to Pay
When a customer is already discussing an order with you on WhatsApp, you can send the payment link in the same conversation once they are ready to buy.
This gives the customer a more direct route to payment instead of asking them to visit several other pages or platforms.
3. To Reduce Repeated Payment Instructions
Businesses that handle several WhatsApp orders may find themselves repeatedly sending account details or explaining how customers should make payments.
Using payment links allows you to create a clear payment option and send it whenever a customer needs to pay.
4. To Track Customer Payments More Easily
TransferXO allows you to view transactions completed through individual payment links.
This can make it easier to confirm customer payments, particularly when you are managing several WhatsApp orders or clients at the same time.
5. To Give Customers More Ways to Pay
TransferXO currently supports more than 40 payment methods for Payment Links and allows customers to use supported payment options without having a TransferXO account.
This gives eligible customers more flexibility when completing their payments, depending on the payment methods currently available for their transaction.
You Can Also Read: 6 Reasons Freelancers Should Receive Payment in Crypto and How TransferXO Makes It Easier
How to Confirm a Payment Made Through WhatsApp
After sending a TransferXO payment link through WhatsApp, you should verify whether the payment has actually been completed.
On TransferXO, you can:
Open TransferXO → Go to Links → Select the payment link → Open Transactions.
The Transactions section displays payments made through the selected payment link.
For example, if a customer sends you a WhatsApp message saying:
“I have paid.”
you can check the relevant payment link on TransferXO to confirm the transaction.
This is preferable to treating a payment screenshot alone as final confirmation.
For a business selling physical products, confirming the transaction before dispatching goods can also help you maintain a more consistent payment process.
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Payment Link vs Sending Bank Details on WhatsApp
Sending bank account details and sending a payment link can both be ways to request payment from a WhatsApp customer, but the experience is different.
| Sending Bank Details | Sending a Payment Link |
|---|---|
| Customer manually copies or enters account information | Customer opens a dedicated payment page |
| Usually focused on a bank transfer | May provide access to multiple supported payment options |
| Payment instructions may need to be repeated | Link provides a direct payment route |
| Seller may manually check an incoming transfer | Payment-link transactions can be viewed through the payment platform |
| Primarily a bank-to-bank payment flow | Designed as an online payment experience |
This does not mean sending bank details is wrong.
For some transactions, a bank transfer may still be the preferred option.
A payment link simply gives businesses another way to organise the payment stage of a WhatsApp sale, particularly when they want to provide a dedicated payment page.
Best Practices for Using Payment Links on WhatsApp
A few simple practices can make your WhatsApp payment process easier for both you and your customers.
Confirm the order first. Make sure the customer understands what they are buying, the total amount and any delivery or service charges before sending the link.
Explain what the link is for. Instead of sending only a URL, include a short message such as: “Use this link to pay the ₦25,000 deposit for your booking.”
Use fixed payment links when the amount is already known. This can reduce the chance of the customer entering the wrong amount.
Use clear link titles. A recognizable title can help you identify links and their transactions later.
Confirm payment before fulfilment. Check the transaction on TransferXO before dispatching an order or marking an invoice as paid.
Disable links that are no longer needed. TransferXO allows users to disable an existing payment link so that it can no longer receive payments.
These practices become increasingly useful as your WhatsApp sales volume grows.
Frequently Asked Questions About WhatsApp Payment Links
Can I use a payment link on WhatsApp in Nigeria?
Yes. You can create a payment link on TransferXO and send the generated link to a customer through WhatsApp. The customer can then open the link and complete the payment using an available payment method.
How do I send a payment link on WhatsApp?
Create the payment link on TransferXO first. Open the created link, tap Share, and copy or send it through your preferred platform. You can then send the link directly to your customer’s WhatsApp chat.
How do I create a WhatsApp payment link?
The payment link itself is created on a payment platform such as TransferXO, not inside WhatsApp. After creating it on TransferXO, you can send it to customers through WhatsApp.
Can I receive payments through WhatsApp in Nigeria?
You can use WhatsApp to send a TransferXO payment link to a customer. The customer then opens the link and makes the payment through the payment page. WhatsApp acts as the communication channel rather than the payment processor.
Do I need WhatsApp Business to send a payment link?
No. A payment link is a shareable URL, so you can send it through a normal WhatsApp conversation or WhatsApp Business. WhatsApp Business may be more convenient for businesses that already use it for customer communication.
Do I need a website to use a payment link on WhatsApp?
No. TransferXO specifically supports sharing payment links without needing to build a website or integrate a custom checkout system.
Does my customer need a TransferXO account?
No. TransferXO says payers can complete payments using other supported payment methods even when they do not have their own TransferXO account.
Can I set the exact amount my WhatsApp customer should pay?
Yes. TransferXO supports fixed-amount payment links, which allow you to enter the exact amount when creating the link.
Can the customer enter their own payment amount?
Yes. TransferXO also supports flexible-amount payment links where the payer enters the amount they want to pay.
How do I know when a WhatsApp customer has paid?
Open the relevant payment link on TransferXO and go to Transactions. This shows payments completed through that particular link.
Start Using Payment Links on WhatsApp With TransferXO
If WhatsApp is already where you talk to your customers, take orders and agree on prices, you can also use those conversations to direct customers to payment.
With TransferXO, you create the payment link on the platform, choose the appropriate payment details, and then send that link to your client through WhatsApp.
Your customer opens the link and completes the payment, while you can monitor the resulting transaction from your TransferXO account.
You don’t need to build a website or create a separate payment system just to start.
Create your TransferXO payment link and send it to your next WhatsApp customer.