Fast, secure payments with WaPay
Your customer taps Pay in WhatsApp, approves in their own banking app and the money lands in your account in seconds.
Cards, Apple Pay and Google Pay work too, so every customer can pay the way they like.
Face ID or fingerprint
paid by bank
Paid in four taps, straight to your bank
No card numbers, no new app and no account to create. Your customer pays from the WhatsApp message you already sent.
Tap Pay in WhatsApp
Your invoice arrives with a Pay now button, VAT already worked out.
Choose pay by bank
Bank, card and wallet sit on one simple page. Pay by bank is the fastest.
Approve in their bank app
Your customer confirms with Face ID or fingerprint. Details are filled in.
Money lands in your account
The invoice is marked paid and a receipt goes out on WhatsApp.
Straight from their bank to yours
Murphy Plumbing? Approved with Face ID
Faster cash flow for your business
Paid in seconds, not days
Pay by bank runs on SEPA Instant, so money reaches your account in seconds instead of the couple of working days cards take. Buy materials, pay wages and plan your week with cash already in the bank.
Lower fees on every payment
Pay by bank skips the card networks, so there’s no card processing fee on top. You pay one small platform fee, and only when an invoice is paid.
No chargebacks eating your profit
Your customer approves each bank payment in their own banking app. There’s no card chargeback process, so money you’ve been paid stays paid.
More invoices paid first time
Nothing to type and no card details to get wrong or expire. Customers approve with the Face ID or fingerprint they use every day, so fewer payments fail.
Every payment matched for you
When money lands, the invoice is marked paid, your customer gets a receipt on WhatsApp and your dashboard shows the method and fee. No more checking bank statements.
Customers pay the way they like
Pay by bank, Visa, Mastercard, Amex, Apple Pay and Google Pay all sit on one simple page. Your customer chooses and you get paid either way.
Easy to pay, so you get paid sooner
The easier it is to pay, the sooner you’re paid. WaPay removes every step that makes customers put an invoice off until later.
Pay by bank vs cards at a glance
| ● Pay by bank | Cards and wallets | |
|---|---|---|
| Money arrives | In seconds | Usually a couple of working days |
| Chargebacks | None | Possible |
| What you pay | One platform fee | Platform fee plus card processing fee |
| Customer confirms with | Face ID or fingerprint in their bank app | Card details or saved wallet |
| Money route | Straight to your bank | Through card networks, then to your bank |
| Customer needs | A bank account and banking app | A card, Apple Pay or Google Pay |
You don’t have to choose. WaPay offers both on every invoice and shows pay by bank first.
Secure payments, approved at the bank
Approved at the bank
Every payment uses Strong Customer Authentication, so your customer confirms with two checks, like Face ID plus their phone, inside their own bank.
Your money is never held
Payments go straight from your customer’s bank to yours. WaPay sits outside the payment chain and never holds your funds.
Regulated payment partners
Bank payments are started by Yapily, a regulated payment initiation provider. Card and wallet payments are processed by Stripe.
Data handled under GDPR
Bank logins and card numbers are never shared with you or WaPay. Customer data is handled under GDPR by an Irish registered company.
Payment questions, answered
How fast do I get paid?+
Pay by bank payments use SEPA Instant and usually arrive in seconds. Card and wallet payments are paid out by Stripe, typically within a couple of working days.
What is pay by bank?+
It’s a payment straight from your customer’s bank account to yours, using the banking system’s own instant rails. Your customer approves it in their banking app, with no card involved.
Can a customer charge back a pay by bank payment?+
No. There’s no card chargeback process for bank payments. If a customer has an issue, you sort it out directly, and photos on your invoices help.
Do my customers need to download anything?+
No. They tap Pay in your WhatsApp message and approve in the banking app they already have. Card and wallet payments work in any browser.
Is it safe to start a payment from WhatsApp?+
Yes. WhatsApp only carries the link. The sensitive steps happen inside your customer’s own bank or on Stripe’s secure checkout, and logins and card numbers are never shared with you or WaPay.
What does it cost?+
One small platform fee when an invoice is paid. Pay by bank has no card processing fee on top. There’s no subscription. See the pricing page for full details.
