Connect PayMongo to WhatsApp, Instagram and AI Chat
Yes. AeroChat works directly with PayMongo. It creates a PayMongo payment link for the amount agreed in the conversation, sends it in the chat, checks whether it was paid and refunds within the limits you set, through PayMongo’s API, on WhatsApp, Instagram, web chat and every other channel your customers use.
Customers message you on WhatsApp, Instagram, Messenger, Telegram, web chat or email, and once they decide, they want to pay right there. If you collect payments in the Philippines with PayMongo, AeroChat creates a PayMongo payment link for the order, booking or fee, sends it in the same chat, and confirms in the chat once PayMongo shows it as paid. The customer picks how to pay on PayMongo’s checkout page, such as GCash, Maya, cards, QR Ph or online banking, depending on what your account offers. It connects through PayMongo’s public API. AeroChat never sees card numbers or e-wallet logins and never holds money. The funds go to your own PayMongo account. You describe the workflow in your own words, AeroChat builds it, and PayMongo stays the place your team checks.
What you can do with PayMongo and AeroChat
- Send a PayMongo payment link in chat. When a customer confirms an order, a booking or a fee, AeroChat creates a payment link for the exact amount, with your order number in the description, and sends it.
- Confirm the payment in the same chat. Once PayMongo shows the link as paid, AeroChat confirms the order or booking in the conversation, so the customer never has to send a screenshot.
- Answer “did my payment go through?”. AeroChat reads the link and its payments in PayMongo and tells the customer whether it is paid or still waiting for payment.
- Change the amount before the customer pays. If the customer adds an item or changes the delivery option before paying, AeroChat updates the amount on the same link and tells them the new total.
- Take a deposit before you confirm a booking. AeroChat creates a link for the deposit and confirms the slot once PayMongo shows it as paid. See booking deposits on WhatsApp.
- Close an unpaid link when the hold ends. If you hold stock or a slot for a limited time, AeroChat archives the unpaid link in PayMongo when the time is up and tells the customer the hold has ended.
- Refund within your limit. When a refund request meets your policy and is within the amount you set, AeroChat refunds the payment in full or in part through PayMongo and tells the customer. Anything bigger goes to your team.
Prefer payments built in? Airwallex is built into AeroChat, so payment links work without an API setup. See how it works. No Airwallex account yet? Open one through AeroChat.
What it looks like on WhatsApp
Customer: I’ll get the 2 sling bags in olive and black. (example)
AeroChat: Nice pick. That’s PHP 1,798 for the 2 bags plus PHP 120 delivery in Metro Manila, PHP 1,918 in total. Here’s your PayMongo payment link for order #6031. You can pay with GCash, Maya or card.
AeroChat: Payment received, salamat! Order #6031 is confirmed and ships tomorrow.
In PayMongo: a payment link for PHP 1,918 with order #6031 in its description is created and shows as paid. The money is in your PayMongo account.
Customer: Can I add one more in black before I pay? (example)
AeroChat: Of course. Three bags plus delivery is now PHP 2,817. The same link now shows the new total, so you can pay whenever you’re ready.
Customer: Great, paying now.
In PayMongo: the amount on the unpaid link for order #6031 is updated to PHP 2,817.
Works on every chat channel
Your customers pay wherever they already message you. The same PayMongo connection and the same workflows run on each of these channels, and PayMongo stays the record whichever one they use.
| Channel | What your customers can do |
|---|---|
| Message your WhatsApp Business number to buy or book, get a PayMongo link in the chat and see the confirmation there once they pay. Voice notes are transcribed, so a spoken request works too. | |
| Do the same by direct message. A comment on your post can get an automatic reply that moves the conversation to a DM. | |
| Facebook Messenger | Do the same with your Facebook Page. Comments on your Page posts can get an automatic reply too. |
| Telegram | Do the same with your business on Telegram. |
| Web chat | Get the PayMongo link in the chat on your website and pay without leaving the conversation behind. |
| Write to your Gmail or Office 365 address and get the payment link by reply. |
How the connection works
AeroChat connects through PayMongo’s public API, documented at docs.paymongo.com. Through it, AeroChat creates payment links, reads a link and the payments made on it, updates the amount of a link that is not yet paid, archives links and refunds payments in full or in part. Each link carries your order or booking number in its description, so it is easy to match in PayMongo later. Each workflow uses only what its recipe asks for.
- What AeroChat reads from PayMongo: a link’s amount, description, status and checkout URL, the payments made on it with their amount and status, and the result of each refund.
- What AeroChat writes to PayMongo: new payment links with the amount, description and your reference, updated amounts on unpaid links, archived links, and full or partial refunds with a reason.
To connect, log in to the PayMongo dashboard and copy your secret key from Settings, then Developers. Every account has test keys as well as live keys, so you can try the workflow before you take real payments. Payment Links need an activated PayMongo account, which PayMongo turns on once your verification is complete. PayMongo can send a webhook when a link is paid, so a payment can be confirmed without anyone checking by hand.
A new link accepts one completed payment by default. Only paid payments can be refunded, and PayMongo sets how long each payment method can be refunded and how fast the money arrives. For example, e-wallet refunds such as GCash usually reflect within 24 hours, while card refunds can take up to 30 days.
You describe the workflow in your own words, for example “when a customer confirms an order, send a PayMongo link for the total and confirm the order once it is paid”. AeroChat builds the workflow as a draft and asks for the PayMongo keys by name. You enter them in the AeroChat dashboard. They never pass through the conversation.
Payments go to your own PayMongo account under your PayMongo terms. AeroChat does not process or hold any money.
Workflows to copy
Seven ready-made workflows for PayMongo. Copy one into AeroChat, add your PayMongo keys, and it runs on every channel.
1. Send a PayMongo payment link
Copy this into AeroChat
When a customer confirms an order, read back the items, delivery and total and ask them to confirm. Create a PayMongo payment link for the total in PHP, with “Order” and the order number as the description, and send the link in the chat with the amount. Never ask for card details or e-wallet PINs in the chat. Reply in the customer’s language.
2. Confirm the payment in the same chat
Copy this into AeroChat
After you send a PayMongo link, wait for PayMongo to show it as paid. When it is paid, thank the customer and confirm the order number, the items and when it will ship, in the same conversation. If the customer asks a question before paying, answer it and send the same link again. Do not create a second link for the same order.
3. Answer “did my payment go through?”
Copy this into AeroChat
When a customer asks whether their payment went through, find the PayMongo link we sent for their order and read its payments. If there is a paid payment, confirm the amount and the date. If there is none yet, tell them we have not received it yet and send the same link again. If they say money left their account but PayMongo shows no payment, hand the conversation to our team. Never share another customer’s payment.
4. Change the amount before the customer pays
Copy this into AeroChat
When a customer changes their order before paying, read back the new items and total and ask them to confirm. If the link has no payment yet, update its amount in PayMongo and tell them the new total on the same link. If it is already paid, do not change it. Hand the change to our team instead.
5. Take a deposit before confirming a booking
Copy this into AeroChat
When a customer books a session that needs a deposit, tell them the deposit amount first, for example PHP 500 (example). Hold the time they chose and create a PayMongo link for the deposit with the booking reference in the description. Send the link in the chat. Once PayMongo shows it as paid, confirm the booking with the date, time and address, and say the deposit is taken off the final price. If it is not paid, do not confirm the booking.
6. Close an unpaid link when the hold ends
Copy this into AeroChat
When we hold limited stock or a slot for a customer, tell them it is held for 30 minutes (example) and send the PayMongo link. If the link still has no payment when the time is up, archive it in PayMongo, tell the customer the hold has ended, and offer a new link if the item or slot is still available. Never archive a link that has been paid.
7. Refund within your limit
Copy this into AeroChat
When a customer asks for a refund, ask for the order number and the reason, and check it against our refund policy in the knowledge base. If it meets the policy and the amount is PHP 1,000 or less (example), refund that amount on the payment for the order in PayMongo, in full or in part, and tell the customer when to expect it based on how they paid. If it is above the limit, outside the policy, or PayMongo says the payment cannot be refunded, do not promise anything and hand the conversation to our team with the details.
Who uses it
Online sellers, service businesses and schools in the Philippines that collect payment with PayMongo use it for orders, deposits and fees agreed in chat. These recipes fit a business that takes payment by link:
What stays in PayMongo
PayMongo stays your record of every link, payment and refund. Customers pay on PayMongo’s own checkout page with the methods your account offers, so their payment details go to PayMongo and never to AeroChat. Payouts, wallets and reports stay in your PayMongo dashboard.
AeroChat handles the conversation. It creates, reads, updates, archives and refunds what your recipe asks for and leaves the rest to PayMongo and your team.
WhatsApp workflows that use PayMongo
These end-to-end WhatsApp workflows run with PayMongo behind them. See them all in the WhatsApp workflows library.
- WhatsApp Payment Links That Confirm the Order When Paid
- WhatsApp Booking Deposits Paid Before the Slot Is Confirmed
- WhatsApp Ordering That Writes the Order Into Your System
- WhatsApp Returns and Refunds Checked Against Your Policy
Questions
Does AeroChat work with PayMongo?
Yes. It connects through PayMongo’s public API with the secret key from your own PayMongo account. It is not a PayMongo product, and AeroChat has no partnership with PayMongo.
Can customers pay with GCash through WhatsApp?
Yes, if your PayMongo account offers GCash. AeroChat sends the PayMongo link in the WhatsApp chat. The customer taps it, picks GCash or another method on PayMongo’s page, and AeroChat confirms the payment in the same chat once PayMongo shows it as paid.
Can AeroChat issue refunds?
Yes, within the rules you write. You set the policy and the amount AeroChat may refund on its own. Anything above that goes to your team, and PayMongo’s refund windows for each payment method still apply.
Does AeroChat hold my money or see card numbers?
No. Customers pay on PayMongo’s page, so AeroChat never sees card numbers or e-wallet logins and never holds your funds. The money goes to your PayMongo account.
Which plan do I need?
On the PayMongo side, you need an activated PayMongo account and its secret key. PayMongo’s fees are charged to that account. On the AeroChat side, workflows via Skills are on every plan, with a 7-day free trial. Choose by message volume: Starter covers 500 AI responses a month, Growth 2,000 and Advanced 5,000.
Using a different system? If it has a public API, it connects to AeroChat the same way: describe what you want, paste in its key, and it runs.
Can’t find your tool? Message us in the chat on this page and we’ll tell you how it connects.
Connect PayMongo to your chat
Paste the payment link recipe, add your PayMongo test key, and buy something from your own number.
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Sign up for an annual plan on Growth or above and we’ll set up your workflows and connect PayMongo for you, free. See plans.
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