Get to Know Blip’s Complete Payments Ecosystem

1. Summary
2. Available Payment Methods
3. Comparison of Payment Methods
4. Payment Solutions
5. Security
6. Analytics: Post-Purchase Data Insights
7. Tips

Summary

Blip offers a complete and robust ecosystem of solutions to facilitate payments directly within conversational flows. With the growing demand for fast, secure, and convenient solutions, the platform stands out by integrating payment methods such as Pix, credit card, boleto, and payment links into the intelligent contact. This ecosystem serves everything from small businesses to complex operations with advanced automations. The options provide users with a smoother experience, without requiring the customer to leave the WhatsApp conversation, which reduces friction, drastically increases conversion rates, and brings efficiency to businesses.

Costs and Conditions

• Blip payment methods have a pricing structure based on transaction volume and usage. Specific activation fees and conditions should be consulted on demand with our specialists.

• These services are offered at no additional cost for multiple chatbots, provided they are under the same contract.

• There is no required commitment period for using the payment solutions. Activation can be done quickly with support from our specialists.

• Native payment link integrations operate specifically with partner acquirers Cielo and Fiserv.

Available Payment Methods

Blip provides three main transactional processing fronts. You can configure up to two methods in the same conversation block, giving the customer freedom of choice. Each method addresses specific operational challenges with dedicated technical solutions:

1. Blip Pix: Convenience in Immediate Payment

Pain Points and Needs Addressed:

• Speed and convenience: Solves companies’ need to allow quick payment completion.

• Automated integration: Overcomes the common difficulty of efficiently and continuously integrating Pix solutions into conversational flows.

• Transaction visibility: Fills the gap of lacking transparency about the status of transactions made outside the chatbot environment.

Implemented Technical Solution:

1. The Pix Copy and Paste integrated with Blip offers a simple and fast way to generate dynamic Pix keys directly within conversation flows.

2. The end customer receives clear, textual, and automatic instructions on how to make the payment within their banking app. This facilitates the purchase experience and increases conversion rates.

3. The process is fully secure and traceable within the Blip ecosystem, ensuring total real-time visibility of transaction approval.

Advantages:

• Fast receipt: Ensures immediate liquidity for the company’s cash flow, with sales proceeds received on the next business day.

• Automatic confirmation: When using Blip Checkout, the system updates the payment status within the conversation itself.

Pix Open Finance (Beta):

An advanced Pix mode where the customer authorizes payment directly in their preferred bank’s app, without needing to copy and paste any code. This eliminates the main friction of traditional Pix and keeps the customer entirely within the conversation flow.

Points to Note:

• Does not allow native installment payments (requires immediate balance in the buyer’s account).

• In Copy and Paste format, it still requires the user to momentarily leave WhatsApp to open the bank app and make the payment.

Ideal for:

Low average ticket products and services, food delivery, quick recharges, immediate service fees, or any business that needs instant product release.

2. Blip Checkout (Credit Card): Secure and Fast Payments

Pain Points and Needs Addressed:

• Native and unified solution: Serves companies looking for a payment infrastructure that doesn’t depend on external integrations or developments.

• Consistent experience: Standardizes the end-user experience, avoiding abrupt variations or difficulties caused by redirecting to multiple acquirers.

• Improved conversion: Focuses on minimizing abandonment rates exactly at the data entry moment, which is essential for high-volume operations.

Implemented Technical Solution:

1. The solution provides a Blip Payment Link with a "whitelabel" experience, ensuring that the brand’s visual and verbal identity is strictly maintained throughout the checkout process.

2. By operating as a native solution, it eliminates technical complexity and the need for external routing dependencies.

3. Ensures a simple, fast, and frictionless integration within the conversational journey, providing full control over transactions.

Advantages:

• Installments as leverage: Allows customers to purchase higher-value products by splitting payments into up to 12 installments, increasing purchasing power and average ticket.

• Tokenization ("One-Click Purchase"): Customers can securely save their card on the first purchase. From the second transaction onward, payment is completed with just one click within the chat, without re-entering data. Feature available exclusively in Blip Checkout.

Points to Note:

• An MDR (Merchant Discount Rate) fee applies per approved transaction, varying according to the number of installments and receivables anticipation conditions.

Ideal for:

Mid-to-high ticket retail, electronics sales, info products, enrollments, subscription services, or travel packages.

3. Blip Payment Links: Ease with Partner Acquirers

Pain Points and Needs Addressed:

• Contract reuse: Allows companies that already have contracts with acquirers to continue using them without the commercial need to establish new contracts from scratch.

• Automated generation: Breaks the structural barrier to creating and sending payment links in a unified and automated way.

• Consolidated view: Provides an integrated view of transactions within the platform’s own service flow history.

Implemented Technical Solution:

1. Uses Blip’s native integration with acquirers Fiserv and Cielo.

2. Allows generation, processing, and sending of parameterized payment links directly via intelligent contact.

3. Reduces technical friction between the service area and billing pipelines, maintaining use of already contracted acquirers.

Important:

When a company uses its own provider, Blip does not process payments, is not responsible for technical support of the integration, and does not charge for transactions. The payment block only acts as a means to display the link or code generated by your provider.

Comparison of Payment Methods

Note: Boleto is not included in this comparison as it is still in testing phase within Blip Checkout.

Payment Solutions

Payment solutions represent how the technology is applied. The application of the payment methods described above can be configured in three different platform modules, depending on your business’s architectural needs:

Payments in the Studio Module (Builder)

The payment solution in Studio allows any company to create parameterized billing flows directly on WhatsApp.

How it works:

1. Access Studio and locate the block dedicated specifically to payments within the bot-building environment.

2. Create automated charges by selecting the preferred method: PIX, credit card, boleto, or payment links.

3. Define and connect your credentials from preferred acquirers (Cielo or Fiserv) or activate Blip Checkout.

4. Insert the billing block at any logical step of the conversation tree.

5. Use the block’s variables to monitor and branch the flow based on payment status (paid, unpaid, or error).

Technical Benefits:

• Delivers full autonomy to design and modify conversational journeys with payment without relying on the development team.

• Drastically reduces the amount of manual processes.

• Consolidates fast and flexible payments without forcing customers to leave WhatsApp.

Learn more about how to use it in our exclusive article, clicking here.

Payment Templates via Growth Module (Active Messages)

A tool developed for companies that need to send individual charges, mass notifications, or work on cart recovery without needing to build a complex automated flow.

How it works:

1. Sending active messages is managed through the Growth module.

2. Select and configure payment templates pre-approved by Meta.

3. Manage audience files with customer data and payment details.

4. Monitor delivery and status of sent messages in real time.

5. If your operation has its own architecture, sending can also be done directly via API integration.

Technical Benefits:

• Provides extreme simplicity for creating proofs of concept and testing sales or one-off charges via WhatsApp.

• Reduces operational effort by not requiring creation of interconnected automations.

• Ideal for exclusive strategies of isolated charges, due date reminders, or mass recovery campaigns.

Learn more about how to use it in our exclusive article, clicking here.

Payments in the Desk Module (Human Support)

The perfect solution for consultative sales pipelines, where the agent leads the negotiation and needs to send the charge in real time to formalize the deal.

How it works:

1. During a support session on the Desk panel, the human agent generates a payment link directly through the chat interface.

2. The system sends the charge to the user and records the payment request in the history.

3. Monitoring is done in real time. (Note: Link generation in this module is currently restricted and available only via integration with Cielo).

Technical Benefits:

• Replaces external platforms, preventing the agent from wasting time logging into third-party panels to generate charges.

• Avoids loss of payment tracking.

• Essential for operations dependent on human interaction, such as consultancies, health clinics, and specialized retail.

Security

When it comes to money, security is non-negotiable. Blip Payments guarantees protection at all stages of the transaction:

• Data encryption: All payment information is transmitted encrypted through the systems.

• Card tokenization: On the first purchase, the customer can securely save their card. From the second purchase onward, the transaction is completed instantly with a click directly in the chat, without needing to re-enter data.

• Real-time validation: Transactions are validated end-to-end with acquirers and issuers to prevent fraud.

• Official component: The customer interacts with features approved and legitimized by Meta within WhatsApp Business.

Analytics: Post-Purchase Data Insights

Blip Checkout organizes post-transaction information into two complementary views:

View for the Support Team

• Instant confirmation: As soon as Pix or credit card payment is approved, the system confirms the transaction success directly in the chat, with no need for the customer to check emails.

• Immediate solutions in case of error: If the card is declined by the bank, the customer is instantly notified. The system suggests alternatives, such as Pix Copy and Paste, allowing the purchase to be completed without interruptions.

• Always updated transactions: If a payment link expires, the customer is informed immediately and receives a new updated billing option automatically.

View for Managers and Finance

• General Sales Dashboard: Monitor in real time how many charges were sent, how many were paid, and the total accumulated amount.

• Direct receipt in bank account: Sales funds are transferred following clear rules: 1 business day for Pix and debit transactions, and 30 days for credit card purchases. If your company needs cash faster, it is possible to opt for receivables anticipation.
   

Tips

• Experimentation and Maturity: We recommend that companies new to conversational sales start using Payment Templates via Growth. As the operation gains volume and more complex business rules, migrate the strategy to creating automated blocks through Studio.

• Transparent Scalability: The solutions guarantee implementation speed. Whether testing a simple charge or creating automations for high-volume processing, pricing grows transparently according to your transactional scalability.

• Complementary Documentation: Deepen your setup by accessing exclusive Help Center articles specifically focused on Studio Use and Active Messages, which cover technical requirements for API requests.

Need more help? Explore our content at the Blip Academy or Blip Community, watch tutorials on our YouTube channel, or get your questions answered in our support channel 😃