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Chatbots for business

In-chat payments with your chatbot.

Payment in-chat
The customer pays via a secure payment link without leaving the messenger.
Auto-invoice
The bot creates the order and invoice based on the customer's choice without manual work.
Stripe & security
Payments go through certified providers and card data is encrypted end-to-end.
CRM logging
After payment the transaction goes automatically to the CRM and triggers the next step.

The customer pays without leaving the chat: the bot generates the order, sends a secure payment link and confirms the transaction.

Conversational commerce shortens the path from interest to payment to a single conversation. The bot in WhatsApp, Telegram or Instagram takes the order, generates the invoice and redirects to the secure Stripe page: the customer pays in two taps and card details never enter the chat. After payment the bot confirms the transaction and logs it in the CRM.

Quick answer

In-chat payments mean the customer pays directly inside a conversation with the bot on WhatsApp, Telegram or Instagram: the bot creates the invoice, sends a secure payment link via Stripe or an equivalent provider, the customer pays in two taps and the bot confirms the transaction and logs it in the CRM. Card details are never typed into the chat; payment happens on the provider's secure page. Conversational commerce shortens the path to purchase and increases conversion. Request a quote and we reply within 24-48 hours.

Here we explain in-chat payments for businesses across Spain: how it works technically, what it costs, what a typical flow looks like and why fewer steps to payment means higher conversion. By "bot payments" we mean the full cycle inside a single conversation: the customer picks a product or service, the bot generates the invoice, sends a secure payment link via Stripe or another certified provider, the customer pays on the provider's secure page (card details never pass through the chat), the bot receives a webhook notification of successful payment, confirms to the customer and logs the transaction in the CRM. This approach is known as conversational commerce, commerce built into the conversation. Below: a step-by-step implementation plan, a pricing reference with a levels table, a Juniper Research market forecast and 10 frequently asked questions. At the end, "Chatbots for business" packages with real prices.

How does the bot accept payments: the complete flow step by step?

From product selection to payment confirmation: all in one conversation

The key principle: payment details are never entered in the chat. The bot creates the invoice and generates a secure payment link via Stripe or an equivalent provider. The customer clicks through to the encrypted page, enters card details there and the bot receives the result via webhook. This delivers PCI DSS-level security without complicating the user journey.

WhatsApp chatbot accepting payment: secure Stripe payment link inside the conversation
The bot sends the payment link directly into the chat: the customer pays in two taps.
  1. 1The customer messages the bot on WhatsApp, Telegram or Instagram and selects a product or service.
  2. 2The bot clarifies order details (quantity, variant, delivery address if needed).
  3. 3The bot generates the invoice with the final amount and shows it to the customer for confirmation.
  4. 4The bot creates a secure payment link via Stripe (or another provider) and sends it to the customer.
  5. 5The customer opens the provider's encrypted page and enters card details there.
  6. 6The payment provider processes the transaction and sends the bot a webhook notification.
  7. 7The bot immediately confirms successful payment to the customer and sends order details.
  8. 8The transaction is automatically logged in the CRM and the next step triggers (delivery, team notification, etc.).

How much does it cost to add payments to a chatbot?

Conversational commerce: in-bot payment flow diagram: order, invoice, Stripe, CRM
Full cycle in one conversation: order → invoice → payment link → confirmation → CRM.

Price depends on the number of channels, payment providers and order-handling logic

Cost is driven by bot logic complexity, the number of messengers (WhatsApp, Telegram, Instagram), payment providers (Stripe, Redsys, PayPal) and CRM integrations. A basic setup (one channel, one provider) costs considerably less than a multi-channel integration with a catalogue and team notifications. Exact prices for "Chatbots for business" are in the packages block below.

LevelWhat is includedTimelineWho it fits
Start1 messenger, Stripe, confirmation + CRM logging1-2 weeksFixed-price services or products, first launch
Growth2-3 messengers, product catalogue, multiple providers, team notifications2-3 weeksOnline shop or service with a range of offerings
Full suiteMulti-channel, dynamic pricing, subscriptions, refunds, analytics4-6 weeksBusiness with subscription model or high volume

Why do in-chat payments increase conversion?

Every extra step to payment is a lost customer

The classic e-commerce funnel loses customers at every handoff: from messenger to website, from website to cart, from cart to checkout. Conversational commerce removes those handoffs: payment happens where the conversation already is. The customer does not switch context, does not look for the website, does not re-enter data. The market confirms this: transaction volume via messengers and chats is growing at an above-average pace.

Expert opinion
«According to Juniper Research forecasts, the transaction volume within conversational commerce will reach tens of billions of dollars in the coming years: payment embedded directly in the conversation shortens the path to purchase and significantly increases conversion compared to the classic e-commerce funnel.»
Juniper Research, Conversational commerce market forecast. Source
Conclusion

In short: how in-chat payments work and what to expect.

In-chat payments are a complete payment cycle inside a single conversation on WhatsApp, Telegram or Instagram: the bot generates the invoice, sends a secure payment link via Stripe or an equivalent provider, the customer pays on the provider's encrypted page (card details never enter the chat), the bot confirms the transaction and logs it in the CRM. Conversational commerce removes unnecessary handoffs and increases conversion. A basic launch takes 1-2 weeks; a multi-channel integration with a catalogue takes 4-6 weeks. Request a quote and we will prepare your plan and estimate for "Chatbots for business" within 24-48 hours.

Chatbots for business

Business chatbots

Bots on WhatsApp, Telegram, Instagram and your site, from €290, paid once. They answer questions, book meetings and take payments around the clock, including while you sleep.

You pay once, and after that the bot runs with no monthly fee to us. Scripts come from your real conversations: we look at what customers ask most and automate exactly that. The bot lives in your own WhatsApp or Telegram account and the access stays with you. In Spain bot setup runs €300-3,000 and custom development starts at €3,000; our packages cost nearly half of the same work bought separately.

Your bot replies within 72 hours

SEO7 Start
from€290

A bot on WhatsApp and Telegram: answers common questions, advises and captures contacts. Handles up to 70% of routine enquiries. One payment, no subscription.

à la carte
€520
Discount
−€230
Timeline
72 hours
  • WhatsApp + basic FAQ bot
  • Scripts up to 10 questions
  • Lead alerts in Telegram
Top

A bot that sells and books

SEO7 Pro
from€890

A product catalogue, cart and Stripe/Redsys payments right inside the chat. Appointment booking with Google Calendar, CRM integration and GPT-4 for off-script questions.

à la carte
€1600
Discount
−€710
Timeline
7-10 days
  • Lead-gen bot + quiz
  • Admin bot with Calendly
  • Full CRM integration
Pro

Enterprise level

SEO7 Max
from€1990

Every channel, voice messages, subscriptions and white-label under your brand. ERP integration: stock and prices come from your own system.

à la carte
€3400
Discount
−€1410
Timeline
14-21 days
  • Shop bot with online payments
  • AI for free-form questions
  • All channels + Instagram Direct

Shall we discuss your project?

A short brief, and we’ll come back with a plan and quote within 24-48 h. No pressure.

Frequently asked questions.

What is in-chat payment in simple terms?

The customer chats with the bot on WhatsApp or Telegram, picks a product or service and receives a payment link from the bot. They open it, pay on the provider's secure page and the bot immediately confirms the purchase. All without calls, a till or a website.

Is it safe to enter card details when paying through the bot?

Yes. Card details are never typed into the chat: the customer goes to the encrypted page of a certified provider (for example, Stripe), which complies with the PCI DSS standard. The bot only receives a notification of the payment outcome and never sees the card details.

Which payment providers are supported?

Primarily Stripe: it works across Europe and integrates easily. We also connect Redsys (popular with Spanish banks), PayPal and other providers with an API. The choice of provider depends on the country of business registration and customer preferences. The provider is chosen at the brief, based on your banks and their fees.

Which messengers can accept payments through the bot?

WhatsApp, Telegram and Instagram are the three main channels for conversational commerce. Each has its own API specifics and button format limitations. We recommend starting with the messenger where most of your customers already are. The catalogue and payment logic are shared, so adding a second channel later is straightforward. Each channel is tested with a real purchase before launch.

How does the bot know the payment was successful?

Via webhook: the payment provider (for example, Stripe) sends the bot an HTTPS notification with the transaction result in real time. The bot processes it, updates the order status in the CRM and immediately sends the customer a confirmation. If the notification does not arrive, the bot rechecks the payment status itself a few minutes later.

What is conversational commerce?

Conversational commerce is sales and payment built directly into a conversation with a bot or agent in the messenger. Instead of sending the customer to a website, a cart and a separate checkout page, everything happens in one chat. Fewer handoffs, fewer drop-offs, higher conversion.

Do you need a separate online shop to accept payments through the bot?

No. The bot can replace the storefront: the product or service catalogue is stored inside the scenario or connected via Google Sheets or a database. If you already have a website, the bot integrates with it and enriches orders with data from the chat.

Can the bot handle recurring payments and subscriptions?

Yes, using Stripe Billing or equivalents. The customer agrees to the subscription once, the provider automatically charges on schedule and the bot notifies about each successful payment. Ideal for memberships, SaaS and periodic services. The customer can cancel the subscription right in the chat, without emailing support.

How are declines and refunds handled?

If a payment is declined, the bot notifies the customer and offers to try again or choose another payment method. Refunds are initiated via the provider's dashboard or by an operator command; the bot notifies the customer of the refund automatically.

How long does it take to launch a bot with payments?

The basic integration (1 messenger, Stripe, confirmation and CRM) launches in 1-2 weeks. The multi-channel version with catalogue, subscriptions and analytics takes 4-6 weeks. Timelines depend on catalogue complexity and access to your tools. The longest wait is usually the provider's account verification, so registration starts on day one.

Related links.