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How to Create and Send Active Payment Messages in Blip

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Important: This product is in Alpha and is not available for general use. Access is granted upon request via KAM, AM, or CSM, subject to validation by the Payments team. 

Available Channel: WhatsApp

 

Introduction: Outbound Payment Messages 

Outbound Payment Messages allow your brand to send payment requests directly through WhatsApp, in a secure manner integrated into the customer experience.

This type of message can be used to remind customers of a pending payment, send an order summary, or even offer a personalized promotion to complete a purchase—all without depending on the customer to start the conversation. 

In Blip, this process can be configured intelligently, automatically, and strategically.

 

Creating the Outbound Message Template

  1. Access the Blip portal and select a chatbot with an active WhatsApp number.

  2. Click on the “...” in the upper corner and select the Contents module.

  3. Within the tab, choose Message Templates and click on “Create template”.

A sidebar will open to fill in the template information. The “Send for approval” button will only become available after all fields have been completely filled out.

Fields to fill out Template name 

Define the name that identifies the template. Use only lowercase letters, numbers, or the underscore character (_) to separate words. Example: cobranca_pedido

Category 

For payment messages, you must select the Utility category.

Template language 

Select the Portuguese (Brazil) language. Currently, the WhatsApp payment model is only available for Brazil and India. Therefore, it is not possible to create variations in English or other languages for this specific purpose.

Message content type 

Blip allows different content formats. In this case, select the Payments type. This specific type enables the necessary fields for sending the order_details object.

 

Template Structure and Interactivity 

Unlike common templates, payment messages have a fixed structure focused on transactions.

The structure allows:

  • Header: Choose the media type (Text, Image, Document, or No header).

  • Message body: Insert the billing text. You can use variables (e.g., {{1}}, {{2}}) to personalize the customer's name, order number, or value in the visible text.

  • Footer: A short, fixed text at the end of the message.

Important: The payment method (Pix, Boleto, Credit Card) is not defined during this template creation stage. It will be configured in the audience file (JSON) at the time of sending.

 

Submission for Approval 

After filling out the fields and defining the message body variables, click on “Send for approval”. A modal will be displayed requesting examples for the variables. Fill them in with fictional data that makes sense (e.g., {{1}} = Maria, {{2}} = 150.00) so that Meta understands the context.

Important: Avoid starting or ending the message body with a variable (e.g., {{1}}). WhatsApp requires each variable to be accompanied by fixed text before and/or after, such as “Hello {{1}}, your order has been sent.” This helps the system correctly validate the dynamic content.

Upon completing the information, click “Confirm” to finalize the submission of the template for analysis, as shown in the example below:

 

Analyzing the Message Template status 

After sending your template for evaluation, it will appear in the list with the “Pending” status, indicating that it is under review by Meta. As soon as the review process is concluded, the template will receive one of the following statuses:

  • Approved: the template was accepted and can already be used in your campaigns.

  • Rejected: the template was rejected and cannot be used.

  • Pending: the template is still under review by Meta.

Attention: even after approval, the update can take up to 20 minutes to be reflected in the WhatsApp Business API. We recommend that you wait this time before starting the sending of your campaign.

 

How to send an Outbound Payment Message via Growth 

You can perform the sending of payment messages in two ways:

  1. Via API: For systemic integrations. Consult the technical documentation here.

  2. Via Portal (Growth): Through bulk sendings, according to the step-by-step below.

 

Configuring the Sending in Growth 

In the Blip portal, access the Growth → Outbound messages menu. Click on "Send outbound messages".

The new sending interface groups the settings on a unified screen to facilitate the process. Fill in the sections as follows:

1. Channel Selection 

Choose the WhatsApp channel.

2. Campaign Definition

Define a name for your campaign to facilitate identification in future reports:

If the message name is not defined, when clicking the “Continue” button, a message will be presented informing that a name was not defined and presenting the following options:

  • Cancel or,

  • Continue without a name

If the option to continue without a name is chosen, then a random name will be defined for the message.

 

3. Audience (Mandatory: Bulk) 

For payment messages, it is only possible to perform the "Bulk" type of sending. Options such as "Individual Sending" or "AI Agent" do not support the complex data structure (JSON) required for payments. 

You will need to upload a .csv file containing the customer data and the payment information.

 

Audience file for Payments 

To send a payment message, it is necessary to follow some specific standards for the audience file, which are:

  • Use the semicolon (;) delimiter in the file;

  • Have the columns referring to the template (header and message body variables);

  • Finalize with the #payment# column. 

The #payment# column must contain the specific JSON object of the WhatsApp “order_details” message type. Learn more about payment messages on WhatsApp.

 

Order Details (WhatsApp Order Component) 

The Order Details template is a new and powerful functionality from Meta that allows companies to send interactive and rich-in-order-details messages (products, values, status) directly on WhatsApp. This solution opens new revenue sources and simplifies the payment journey, offering more credibility to the customer.

Main Uses and Benefits:

  • Optimized Actions: Ideal for Active Billing, sending Payment Reminders, Order Confirmation, and Abandoned Cart Recovery.

  • Flexible Features: Supports up to two payment methods per message, including dynamic Pix Copy and Paste, Payment Link, and Bank Slip, in addition to the option of attaching PDF documents (such as invoices).

  • Implementation via Blip: The sending of these messages as Active Notifications (individual or in batch) is done through Blip's Active Campaign API. The order details JSON (order_details structure with reference_id, total_amount, and payment_settings) is mapped to the mandatory variable #payment# in the API payload.

In essence, Order Details transforms WhatsApp into a complete channel to close sales and manage transactions with high interactivity and clarity.

 

Formatting the #payment# column: 

The JSON format is expected due to the countless possibilities of billing variation, according to each business. Below follows the expected structure in the JSON:

{
  "reference_id": "string",      // ID único do pedido (obrigatório)
  "type": "string",              // "digital-goods" ou "physical-goods" (obrigatório)
  "payment_type": "br",          // Tipo de pagamento para Brasil (obrigatório)
  "currency": "BRL",             // Moeda (obrigatório)
  "total_amount": {              // Valor total (obrigatório)
    "value": 15000,              // Valor em centavos
    "offset": 100                // Offset para casas decimais
  },
  "payment_settings": [...],     // Configurações de pagamento (obrigatório)
  "order": {                     // Detalhes do pedido (obrigatório)
    "status": "pending",
    "subtotal": {...},
    "tax": {...},
    "shipping": {...},
    "discount": {...},
    "items": [...]
  }
}

This JSON must be inserted into each contact in your audience, filling it with the billing details specific to that contact.

Below is a practical example of what an audience file with 2 contacts receiving the billing message containing 3 variables in the message body would look like:

telefone;nome;fatura;vencimento;#payment#
5511111111111;Gabriel;123456;06/08;{"reference_id":"1234567","type":"digital-goods","payment_type":"br","payment_settings":[{"type":"pix_dynamic_code","pix_dynamic_code":{"code":"00020126580014BR.GOV.BCB.PIX0136dda1eb4e-744f-4453-8074-a0ab5ffed3d85204000053039865802BR5921Empresa6009SAO PAULO62140510sF9EEKoAp56304AB67","merchant_name":"Blip","key":"contato@blip.ai","key_type":"EMAIL"}}],"currency":"BRL","total_amount":{"value":200,"offset":100},"order":{"status":"pending","tax":{"value":0,"offset":100},"items":[{"retailer_id":"1234567","name":"Blippinho","amount":{"value":200,"offset":100},"quantity":1}],"subtotal":{"value":200,"offset":100}}}
5555555555555;Felipe;987654;06/08;{"reference_id":"987654","type":"digital-goods","payment_type":"br","payment_settings":[{"type":"boleto","boleto":{"digitable_line":"03399026944140000002628346101018898510000008848"}}],"currency":"BRL","total_amount":{"value":200,"offset":100},"order":{"status":"pending","tax":{"value":0,"offset":100},"items":[{"retailer_id":"1234567","name":"Blippinho","amount":{"value":200,"offset":100},"quantity":1}],"subtotal":{"value":200,"offset":100}}}

With this example, the contact will receive the following message:

 

Template with PDF in the header 

If your template has a PDF header, to send it, it is necessary to have the direct link to the file (the one where the URL ends with .pdf) and obligatorily insert it in the second column of the audience file. Following the same example above, the audience file would look as follows:
 

telefone;pdf;nome;fatura;vencimento;#payment#
5511111111111;https://conasems-ava-prod.s3.sa-east-1.amazonaws.com/aulas/ava/dummy-1641923583.pdf;Gabriel;123456;06/08;{"reference_id":"1234567","type":"digital-goods","payment_type":"br","payment_settings":[{"type":"pix_dynamic_code","pix_dynamic_code":{"code":"00020126580014BR.GOV.BCB.PIX0136dda1eb4e-744f-4453-8074-a0ab5ffed3d85204000053039865802BR5921Empresa6009SAO PAULO62140510sF9EEKoAp56304AB67","merchant_name":"Blip","key":"contato@blip.ai","key_type":"EMAIL"}}],"currency":"BRL","total_amount":{"value":200,"offset":100},"order":{"status":"pending","tax":{"value":0,"offset":100},"items":[{"retailer_id":"1234567","name":"Blippinho","amount":{"value":200,"offset":100},"quantity":1}],"subtotal":{"value":200,"offset":100}}}

With this example, the contact will receive the following message:

 

Template 

The Template stage is where the desired message is chosen and respects the formatting, including the number of parameters, if they exist. 

WhatsApp 

Mandatory selection of message category 

The user's first action must be to select the category of the message they wish to send: Marketing, Utility, or Authentication; this action is mandatory. Only after this selection will the template choice field be enabled, displaying only the templates compatible with the chosen category. 

Attention! Only message templates approved by Meta will be available to be sent.

  • After selecting the Message Template, a preview of the message will be loaded on the right side of the screen. 

If it is a bulk sending, the file you uploaded in the previous step will be compared to the message template you selected, cross-referencing the data to verify if the spreadsheet fields and the variables are compatible with each other (that is, if the file contains the appropriate number of columns for the variables to be replaced in this message template).

If any divergence is identified, you will receive an alert.

Targeting 

In the Targeting stage, you must select the type of targeting, the linked bot, and the stage of the flow to which the contact will be directed. 

Router 

If the chatbot is of the Builder type, simply select the type of targeting and the flow to which the redirection will be made. 

For the redirection to work in the router bot structure, the router context configuration must be turned on. 

Bulk sending does not allow selecting agents for the sending. They will be sent to the default queue. Now just click continue and proceed to the next stage.

Builder

Now just click on continue and proceed to the next stage.

 

Summary and Sending 

In this stage you must check if the values of the previous stages are correct. If any inconsistency exists, click on the edit icon relative to the stage with inconsistencies and you will be redirected to the selected stage to make adjustments.

Summary

With everything correct, you will be able to choose between sending the campaign now or scheduling the sending for a future time. 

Using the Send now option, just click on the Send active messages button and the campaign will be sent to the contacts. 

In case you have chosen the Schedule sending option, select the date and time and click on Schedule active messages to program the sending of your campaign.

Scheduling options

Attention! The WhatsApp Active message sending policy includes the possibility of pausing and deactivating Message Templates when these present problems, especially related to blocks and reports from your customers. 

Scheduled campaigns may experience failures in case the chosen Message Template is temporarily unavailable at the scheduled time for sending.

 

For more information, access the discussion about the subject in our community or the videos on our channel. 😃

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