In-chat Payments and Order Management

Learn how to accept payments directly in chat — via Stripe, Monobank, Kaspi Pay, Payme, or cash on delivery. Understand what you receive after payment and how orders are processed without a connected payment method.

September 10, 2026

The buyer can pay without leaving the chat: by card, Apple Pay, or Google Pay. Funds go directly to your account. The acquiring keys are yours; we are not a payment intermediary and do not take a commission on turnover.

If you do not enable payments, the agent still guides the buyer to completion: it collects the order details, contact information, and address, then sends them to you in a single message.

Who Needs This#

In-chat payment is useful if sales come from social media and you do not have a website with a shopping cart. In that case, the entire buyer journey — from inquiry to payment — stays within a single window.

If you have a website with a shopping cart, it is better not to enable in-chat payment. The agent will guide the customer to your cart and hand off the process there. The «Proceed to checkout» button leads to the address specified in your store settings.

Accepted Payment Methods#

Four methods, enabled individually. You can use several at once:

• Stripe — worldwide, in your Stripe account currency;
• Monobank — Ukraine, Hryvnia;
• Kaspi Pay — Kazakhstan, Tenge; the invoice arrives in the buyer's Kaspi app;
• Payme — Uzbekistan, Sum;
• Cash on delivery — no bank involved: the order is placed in chat, the buyer pays the courier.

Which one to choose by country, what currency the storefront uses, and what the buyer sees — find out in the article Payment Systems and Countries.

Connection Procedure#

It is the same for all:

1. «Settings» → «Payments and Orders» — insert the key for the desired system and click «Save Key», then «Check». The check contacts the system itself and indicates whether the key is accepted.
2. «Widget» → «Payment in order card» — click «Enable» for this method. You can also edit the text the buyer will see in the card there.

Previously, the key was saved with one button, and activation was a separate checkbox in a third location. The storefront would operate for months with a working key but disabled payments. Now, activation is located next to the order card itself and saves immediately, without a general page button.

Keys are stored encrypted and are no longer displayed in the interface; you only see that they are connected.

Where to Get the Key#

• Stripe — Dashboard → Developers → API keys, the secret key starts with sk_live_. A webhook for payment notifications is created automatically; you do not need to configure anything in Stripe settings.
• Monobank — web.monobank.ua → «Acquiring» → «API Token».
• Kaspi Pay — in your gateway's admin panel (ApiPay.kz, AiPay, or your own): the key, API address, and, if provided, the webhook signature secret. Kaspi provides its own API only by contract and does not describe it publicly.
• Payme — merchant panel: cash register ID and its key. The «Check» button will show the cash register address for the Payme panel.

Storefront Currency#

Monobank, Kaspi Pay, and Payme each operate in their own currency, so the storefront automatically switches to it, and you receive a notification. Prices remain the same numerical values. We do not perform currency conversion, so you need to convert your catalog to the new currency yourself.

How a Purchase Looks#

The conversation proceeds as usual: the agent selects products, displays cards, and builds the cart. When the buyer confirms the purchase, the agent collects the order:

1. Displays the order details and total amount.
2. Asks for name and phone number or messenger.
3. Asks for the delivery address if the product needs to be shipped.
4. Provides the payment button.

After payment, the buyer sees a confirmation directly in the chat, and you receive a message in Telegram and an email: what was purchased, for what amount, who the buyer is, and where to deliver. The application in the admin panel changes to «Sold» status, and a «purchased» signal appears on the client's card.

Order Without Enabled Payment#

You can choose not to enable payment; in that case, the agent acts as an order taker.

It collects the order details, name, contact, and address, then displays buttons: to message you on Telegram or WhatsApp. The message already includes the order, buyer's contact, and a link to the dialogue, so you only need to confirm and arrange payment.

The numbers for these buttons are specified in the same section: «Telegram for orders» and «WhatsApp for orders». If these are not filled in, the agent will simply leave an application in the admin panel and send you a notification.

What You Receive After Payment#

One message with everything at once:

• order details and total amount;
• buyer's name, phone, or messenger;
• delivery address, if collected;
• link to the dialogue to see what the person asked about.

A duplicate is sent to your email if duplication is enabled in notification settings.

Returns and Disputes#

Returns are processed on your acquiring system's side: in the Stripe or Monobank panel. The agent only responds about returns based on what is written in your store's terms and never promises timelines on its own behalf.

For this reason, the «Returns» section in your terms should be written in detail: how many days, in what condition you accept the item, who pays for return shipping, and how long it takes to refund the money.

Security#

• Acquiring keys are encrypted and stored with us in an encrypted form; they are not displayed in the interface.
• The buyer enters card details on the payment system's side; they do not reach us.
• Payment is confirmed by a webhook from the provider with signature verification; it is not possible to fake a payment notification.
• The order is created by the server, not the buyer's browser, so it is impossible to tamper with the amount on the client side.

Frequently Asked Questions#

Do you charge a sales commission#

No. You only pay for the service subscription and your acquiring bank's commission. Customer payments go directly to your account; we do not touch them.

Can I accept payments without a legal entity#

This depends on the rules of Stripe or Monobank in your country, not on us. In most countries, Stripe also works with sole proprietors.

What if the customer closed the chat without paying#

The order will remain in the «Applications» section with the status «New» and type «Checkout». You will see the contents and contact information and can initiate contact. If the customer installed the app, you can send them a push notification.

Does payment work in the website widget#

Yes, but it's usually not necessary: on a website with a shopping cart, it's more logical to direct the customer to your cart. In-chat payment was created for those who do not have a website.

How to check if everything is set up correctly#

Click «Check» next to the key — the service will send a test request to the provider and display the response. Then, open your agent and place an order for the minimum amount: this is the most honest check.