How to charge by Pix and boleto on WhatsApp without leaving the chat

The sale was agreed in the chat. The customer said "send me the Pix". Now the tedious part starts: open the banking app, copy the key, check the amount, go back to WhatsApp, paste, and then keep an eye on the statement to see whether the money arrived.

Every step is a place where something can go wrong. A mistyped amount, the key of the wrong account, a receipt the customer forgets to send, a boleto issued in another system and emailed to someone who never opens it. This article shows how to charge without leaving the conversation and how to know, in the end, who paid.

Where charging on WhatsApp usually breaks down

A loose Pix key. Sending the key and amount as text works, but it leaves no trail. There's no way to tell whether a payment belongs to a given sale.

The receipt as proof. Asking the customer for a receipt turns your team into statement checkers. And a receipt can be sent wrong, cropped or, rarely, tampered with.

A boleto outside the chat. The boleto comes out of one system, goes by email and the customer never opens it. The conversation and the charge live in different places.

Nobody knows who owes. The owner asks "did João pay?" and the answer depends on someone checking the bank.

Charging late, or shyly. The due date passes and nobody wants to be the pest. The charge turns into an uncomfortable conversation weeks later.

What a good charge has

Think of a charge as a small document with five parts:

1. A clear amount, the same one agreed in the chat.
2. A due date, even if it's the same day.
3. A way to pay the customer recognizes: Pix for people who want to pay now, boleto for those who need time or a document.
4. Its own identifier, tied to the customer and the sale, so the payment isn't lost in the statement.
5. A short message saying what it is, how much, when it's due and how to pay.

Pix or boleto?

Pix fits when the customer is in the chat and wants to settle now. The payment lands in seconds and needs no more details than necessary.

Boleto fits when the customer needs time, wants to pay from their company's bank, or needs a document for their accountant. It asks for more: the payer's CPF or CNPJ and full address. If something is missing, the bank refuses it.

Installments fit larger amounts. Make the value of each installment and the total clear, so the customer isn't startled by the sum.

Monthly charges fit subscriptions and recurring services. Each month generates a new charge, and your team sends it to the customer.

If you can't decide, offer both. The customer pays whichever way is easier, and you get paid either way.

Which details to ask for

Before issuing, confirm in the chat:

• the payer's full name or company name;
• CPF or CNPJ;
• email;
• full address, for a boleto.

Ask only for what the charge requires. And one rule of care: don't write anything sensitive in the description, such as a diagnosis, exam or other health data. The description travels between the customer, your company and whoever issues the document.

The charge message

A good message has four pieces of information and nothing else:

Hi Marina! Here's your charge of R$ 280.00, due on 11/15. To pay: [link]

Avoid long texts, threats, or "as we discussed" without saying about what. The link or code should be in plain sight, with no hunting.

Reminding late payers

A missed due date isn't a reason for awkwardness. Most of the time it was forgetfulness. A good sequence:

1. On the due date: nothing, unless the customer asked.
2. One or two days later: a short, neutral message. "Hi! The R$ 280.00 charge is past due. If you haven't paid yet, just use this link."
3. A week later: a call or conversation to understand whether there's a problem.

Always talk like someone helping, not someone collecting. If the customer is struggling, a frank conversation pays off more than a string of messages.

Knowing who paid

Ideally the payment shows up in the same place the charge was issued, tied to the customer. Then whoever is handling the chat opens it, sees "paid" or "open", and doesn't need to check the bank or ask for a receipt.

Confirming the payment to the customer helps too. "We received your R$ 280.00 payment, thank you!" closes the loop and shows someone is paying attention.

Simple rules

• The charge amount is always what was agreed in the chat.
• Every payment is tied to a customer and a sale.
• No receipts as the main proof.
• A polite reminder one or two days after the due date.
• A charge issued by mistake gets canceled, with the reason logged.

How to do this in IntegraWhats

IntegraWhats has the KoriDocs app, included in every plan. An administrator connects the company's KoriDocs account, which issues the Pix or boleto, collects the money and transfers it to you. The connection works for the whole team, and the company sets which role can issue charges and the maximum amount per charge.

In a conversation, the Charge button opens a form with the amount, due date, payment methods, installments or monthly recurrence, and the message the customer gets. A charge can be linked to a funnel deal or an order. Afterward, the contact panel shows each charge's status: open, paid, overdue or canceled. From there you can resend, remind the customer or cancel. You can also confirm the payment to the customer automatically, in active conversations.

To charge, the company's KoriDocs plan must include charging. The payer's details are sent to KoriDocs, and your company remains responsible for them.

Frequently asked questions

Do I need a CNPJ to charge by Pix and boleto?

It depends on how the charging account was opened and the issuer's rules. What counts is the account your company connected and what it approves. Check with the issuer before you start charging customers.

Can I charge a customer who has never messaged me?

You can issue the charge, but the message goes through the number's protection and may be delayed or held, because the contact hasn't written recently. If the customer asked not to receive messages, the charge can exist but won't be sent through the chat.

What if the customer says they paid and I don't see the payment?

Open the charge and check its status. If it's still open, give it a few minutes, since a boleto can take longer than a Pix to be recognized. If it stays open, then ask for the receipt and check with the issuer.

Can I cancel a wrong charge?

Yes, and it's worth logging the reason. If the amount was mistyped, cancel and issue another. An old open charge only confuses the customer and the team.