WHAT DOES BIKY PAY DO?

It turns intent into transaction without breaking the flow of the conversation.
You charge, confirm, and trigger the next action with operational control and clear evidence.

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PAYMENTS VIA WHATSAPP

Conversational Payments

Send payment requests directly within the chat thread, with secure links, exact amounts, and full purchase context so customers can pay without friction and your team never loses momentum.

AUTOMATIC STATUS UPDATES

Status Automation

When a payment changes status, it becomes execution: notifications are sent, the opportunity is updated, follow-ups are triggered, and a “pending payment” never turns into a lost sale.

FRICTIONLESS CHECKOUT

Checkout

Designed for high conversion: the customer knows exactly what they’re paying for and why, and completes the payment in seconds–no manual transfers and no “send me the receipt.”

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RECONCILIATION

Reconciliation

Every transaction is tied to the customer, the conversation, and the opportunity complete with a history of attempts, approvals, declines, and refunds for cash control, auditing, and accurate attribution.

PAYMENT ORCHESTRATION

Payment Orchestration

A single layer to route and manage payments across Stripe and Mercado Pago, standardizing statuses, events, and reconciliation so your operation stays consistent regardless of the payment method.

REFUNDS AND DISPUTES

Refunds & Disputes

Manage cancellations and refunds as part of the operational flow, with full traceability and clear rules to reduce friction and protect margins without improvisation.

The Problem

When payment moves outside the conversation, intent cools down and conversion drops.

In conversational commerce, the customer decides in the chat. If payment becomes a parallel process, follow-up breaks, visibility is lost, and the operation ends up reconciling manually.

The consequences of operating without BIKY Pay:

  • Blind funnel: sales with no real traceability to payment and delivery.
  • Pending payments with no visibility and no clear owner.
  • Reference-less transfers that make reconciliation slow and fragile.
  • Friction-driven abandonment: the customer says “I’ll do it later” and never comes back.
  • Operational risk: duplicate charges, errors, and disputes due to lack of evidence.

The BIKY Thesis

Payments aren’t just about charging. They’re about operating payments as part of the funnel with traceability and automation.

BIKY Pay connects with SmartChat, the CDP, and the CRM to turn intent into a payment request, automatically confirm status, and trigger the next action without losing context. Every payment becomes a signal that sustains lifecycle loops, repeat purchases, and retention.

How we solve the problem:

  • Close the loop: a confirmed payment updates the funnel and triggers measurable execution.
  • Operational visibility: clear statuses, ownership, and case-level traceability.
  • Reduced friction: simple payment collection inside the conversational flow.
  • No lost follow-up: automated reminders and actions based on payment status.
  • Margin protection: refunds, rules, and evidence in place to handle disputes.

HOW DOES IT WORK?

Three steps to move from conversation to confirmed payment with automatic execution


1.

CONNECT

Integrate Stripe and Mercado Pago, define operating rules (payment methods, currencies, countries, limits), and set up the events and status layer to operate without improvisation.



2.

CHARGE

Generate the payment request directly from the chat or from a funnel event at the exact right moment: amount, description, and secure link, with clear messaging so the customer can complete the payment without friction.


3.

ACT

Once the payment is approved, it’s recorded with full traceability, the opportunity is updated, and the next actions are triggered automatically delivery, invoicing, onboarding, scheduling, or post-sale activation.

BIKY PAY IN ACTION

Verifiable trust, operated directly from WhatsApp where risk decisions turn into immediate execution.

When you charge at the moment of highest intent, conversion goes up and operational cost goes down.

  • More completed payments, less friction-driven abandonment.
  • Less manual reconciliation and fewer operational errors.
  • Clear attribution: conversation → opportunity → payment → outcome.
  • Better customer experience: clarity, continuity, and immediate confirmation.
  • Scalable operations without relying on “the one person who reconciles everything.”

Use cases

  • Reservation and hold payments collected directly via WhatsApp.
  • Deposits and advances to secure inventory, slots, or availability.
  • Abandoned cart recovery with payment reactivation through conversation.
  • Appointment or schedule confirmation with upfront payment (when applicable).
  • Upgrades and post-sale payments: services, renewals, and repeat purchases.
  • Refunds managed with clear rules and case-level traceability.

Operational control and transactional security

Charging customers should never put your reputation or your operation at risk.

  • Roles and permissions: define who can charge, who can issue refunds, and who approves exceptions.
  • Complete event and attempt history for every transaction.
  • Cadence and follow-up rules for pending payments without overwhelming the customer.
  • Operational evidence for support, auditing, and dispute resolution.

Privacy and compliance built into the architecture

  • Channel-and purpose-based consent enforced as an operational policy.
  • End-to-end traceability of actions, statuses, and responsible owners.
  • Role-based access control for operations, finance, and leadership.
  • Governance connected to the CDP to operate with a single source of truth.

FREQUENTLY ASKED QUESTIONS

Directly within the conversational flow. BIKY Pay sends a secure payment link, and once the customer pays, the status is returned to the same chat thread so the operation can continue without friction.

No. PAYMENTS operates as an orchestration and execution layer connected to Stripe and Mercado Pago, standardizing status, follow-up, and traceability across your funnel.

The status becomes operational: notifications are sent, follow-ups are triggered, and full traceability is maintained so the team can act with context and without losing the opportunity.

Every transaction is linked to the customer’s identity and the CRM opportunity, with a full event history for auditing, cash control, and accurate attribution.

Yes. They’re handled with control, clear rules, and case-level traceability to reduce friction and protect margins while maintaining clear evidence.

Yes. BIKY Pay connects with SmartChat, the CDP, the CRM, and Flows so that each payment triggers the next action and is measured end-to-end.

Through the CDP. Consent is managed as a technical protocol by channel and purpose, with case-level traceability and evidence. It also supports revocation, suppression, and activation controls ensuring compliance with GDPR and Mexico’s ARCO Law.

A first use case typically goes live quickly once access, policies, and workflows are in place. Actual timelines depend on internal alignment across operations, risk, legal, and IT.

PAYMENTS THAT CLOSE
IN THE CHAT

Activate BIKY Pay to securely collect payments within the conversational flow, automatically confirm status, and turn every payment into measurable execution connected to Stripe, Mercado Pago, and your commercial operation.

Activate your demo