Reconciliation Transaction Signal
Context
How would you reconcile payments collected on Whatsapp?
How to Reconcile
● BSP
○ Generates an unique “reference_id” and passes it down as a part of order
details payload.
● BSP ⇔ WhatsApp reconciliation
○ Two options:
■ Transaction status webhook: BSP can match “reference_id” in order
details payload with “reference_id” in transaction status webhook.
■ Payments endpoint response: BSP can match “reference_id” in order
details payload with “reference_id” in payments endpoint response.
● BSP ⇔ Payment Gateway reconciliation
○ BSP uses “reference_id” in order details payload to figure out “transaction=>id”
from transaction status webhook or from payments endpoint response for the
corresponding “reference_id”.
○ BSP can match “transaction=>id” with:
■ “Razorpay Order Id” on RazorPay dashboard.
■ “Merchant Ref ID” inside payment info on PayU dashboard.
Razor Pay
Order Details Payload
{
"messaging_product": "whatsapp",
"recipient_type": "individual",
"to": "918921784385", => Consumer phone number
"type": "interactive",
"interactive": {
"type": "order_details",
"body": {
"text": "optional body text"
},
"footer": {
"text": "optional footer text"
},
"header": {
"type": "image",
"image": {
"link":
"https://upload.wikimedia.org/wikipedia/commons/thumb/b/b6/Image_created_with_a_mo
bile_phone.png/1600px-Image_created_with_a_mobile_phone.png"
}
},
"action": {
"name": "review_and_pay",
"parameters": {
"reference_id": "order-detail-09128934", ⇒ Represents unique order reference id
"type": "digital-goods",
"currency": "INR",
"total_amount": {
"value": 100,
"offset": 100
},
"payment_type": "payment_gateway:razorpay", => Payment gateway
"payment_configuration": "prod-razor-pay-config-05",
"order": {
"status": "pending",
"items": [
{
"retailer_id": "legendary",
"product_id": "product-id",
"name": "awesomeness",
"amount": {
"value": 150,
"offset": 100
},
"quantity": 1,
"sale_amount": {
"value": 100,
"offset": 100
}
}
],
"subtotal": {
"value": 100,
"offset": 100
},
"tax": {
"value": 0,
"offset": 100
},
"shipping": {
"value": 0,
"offset": 100,
"description": "description"
},
"discount": {
"value": 0,
"offset": 100,
"description": "description",
"discount_program_name": "discount_program_name"
}
}
}
}
}
}
Transaction Status Webhook
{
"object": "whatsapp_business_account",
"entry": [
{
"id": "1142190992915793",
"changes": [
{
"value": {
"messaging_product": "whatsapp",
"metadata": {
"display_phone_number": "919321669962", => Merchant bot phone number
"phone_number_id": "112840064962250"
},
"statuses": [
{
"id": "wamid.HBgMOTE4OTIxNzg0Mzg1FQIAEhgKMjM1OTYyNzA5OQA=",
"status": "captured",
"timestamp": "1704860814",
"recipient_id": "918921784385", => Consumer phone number
"type": "payment",
"payment": {
"reference_id": "order-detail-09128934", => Unique order reference id,
matches reference_id in order details payload
"amount": {
"value": 100,
"offset": 100
},
"currency": "INR",
"transaction": {
"id": "order_NMmEX4cEdGhNH8", => Unique transaction id generated
by WhatsApp. Each order will only have one successful transaction id
"type": "razorpay", => Payment gateway
"status": "captured",
"created_timestamp": 1704860812,
"updated_timestamp": 1704860812,
"amount": {
"value": 1000,
"offset": 1000
},
"currency": "INR"
}
}
}
]
},
"field": "messages"
}
]
}
]
}
Payments Endpoint Response
{
"object": "whatsapp_business_account",
"entry": [
{
"payments": [
{
"reference_id": "order-detail-09128934", => Unique order reference id, matches
reference_id in order details payload
"status": "CAPTURED",
"amount": {
"offset": 100,
"value": 100
},
"currency": "INR",
"transactions": [
{
"id": "order_NMmEX4cEdGhNH8", => Unique transaction id generated by
WhatsApp. Each order will only have one successful transaction id
"type": "razorpay", => Payment gateway
"status": "success",
"created_timestamp": 1704860812,
"updated_timestamp": 1704860812,
"amount": {
"offset": 100,
"value": 100
},
"currency": "INR"
}
]
}
]
}
RazorPay Dashboard
Payment Id => Unique payment id generated by RazorPay.
Razorpay Order Id => Unique transaction id generated by WhatsApp. Each order will only
have one successful transaction id.
PayU
Order Details Payload
{
"messaging_product": "whatsapp",
"recipient_type": "individual",
"to": "918921784385", => Consumer phone number
"type": "interactive",
"interactive": {
"type": "order_details",
"body": {
"text": "optional body text"
},
"footer": {
"text": "optional footer text"
},
"header": {
"type": "image",
"image": {
"link":
"https://upload.wikimedia.org/wikipedia/commons/thumb/b/b6/Image_created_with_a_mo
bile_phone.png/1600px-Image_created_with_a_mobile_phone.png"
}
},
"action": {
"name": "review_and_pay",
"parameters": {
"reference_id": "PAYU12453090", ⇒ Represents unique order reference id
"type": "digital-goods",
"currency": "INR",
"total_amount": {
"value": 300,
"offset": 100
},
"payment_type": "payment_gateway:payu", => Payment gateway
"payment_configuration": "preview-bot-payu-config-20",
"order": {
"status": "pending",
"items": [
{
"retailer_id": "legendary",
"product_id": "product-id",
"name": "awesomeness",
"amount": {
"value": 350,
"offset": 100
},
"quantity": 1,
"sale_amount": {
"value": 300,
"offset": 100
}
}
],
"subtotal": {
"value": 300,
"offset": 100
},
"tax": {
"value": 0,
"offset": 100
},
"shipping": {
"value": 0,
"offset": 100,
"description": "description"
},
"discount": {
"value": 0,
"offset": 100,
"description": "description",
"discount_program_name": "discount_program_name"
}
}
}
}
}
}
Transaction Status Webhook
{
"object": "whatsapp_business_account",
"entry": [
{
"id": "104900746026962",
"changes": [
{
"value": {
"messaging_product": "whatsapp",
"metadata": {
"display_phone_number": "917356306663", => Merchant bot phone number
"phone_number_id": "114030835102536"
},
"statuses": [
{
"id": "wamid.HBgMOTE4OTIxNzg0Mzg1FQIAEhgKMjUzOTI5Mjc5OQA=",
"status": "captured",
"timestamp": "1704865877",
"recipient_id": "918921784385", => Consumer phone number
"type": "payment",
"payment": {
"reference_id": "PAYU12453090", => Unique order reference id, matches
reference_id in order details payload
"amount": {
"value": 300,
"offset": 100
},
"currency": "INR",
"transaction": {
"id": "6980123395436273", => Unique transaction id generated by
WhatsApp. Each order will only have one successful transaction id
"type": "payu", => Payment gateway
"status": "captured",
"created_timestamp": 1704865875,
"updated_timestamp": 1704865875,
"amount": {
"value": 3000,
"offset": 1000
},
"currency": "INR"
},
"udf1": "PAYU12453090",
"udf2": "ABC1234",
"udf3": "whatsapp-platform",
"udf4": "udf4"
}
}
]
},
"field": "messages"
}
]
}
]
}
Payments Endpoint Response
{
"payments": [
{
"reference_id": "PAYU12453090", => Unique order reference id, matches
reference_id in order details payload
"status": "CAPTURED",
"amount": {
"offset": 100,
"value": 300
},
"currency": "INR",
"transactions": [
{
"id": "6980123395436273", => Unique transaction id generated by WhatsApp.
Each order will only have one successful transaction id
"type": "payu", => Payment gateway
"status": "success",
"created_timestamp": 1704865875,
"updated_timestamp": 1704865875,
"amount": {
"offset": 100,
"value": 300
},
"currency": "INR"
}
],
"udf1": "PAYU12453090",
"udf2": "ABC1234",
"udf3": "whatsapp-platform",
"udf4": "udf4"
}
]
}
PayU Dashboard
Transaction ID => Unique payment id generated by PayU.
Merchant Ref ID => Unique transaction id generated by WhatsApp. Each order will only
have one successful transaction id.
