Automation · Collections and receivables

Collect by PSE and Nequi from WhatsApp with Wompi

Collect by PSE and Nequi with Wompi from WhatsApp: create a payment link in pesos, check PSE banks and confirm approved status before continuing the sale.

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How do I collect by PSE or Nequi from WhatsApp with Wompi?

To collect by PSE or Nequi from WhatsApp, the Met confirms the amount in pesos, checks which methods your business has enabled, creates an individual Wompi link and sends it in the chat. The customer does not pay inside WhatsApp: they open Wompi's checkout and choose among the available methods. The Met looks up the transaction by its id and continues only after Wompi returns APPROVED. A link sent, a PENDING status or a screenshot does not confirm payment. If the customer asks about their bank, the PSE list is requested at that moment. Every sale gets a new link; this connector does not refund, void or create recurring charges.

Where it applies: Colombia. Wompi is a Colombian gateway and charges only in pesos. PSE, Nequi, Bancolombia and banking agents are local market methods.

What starts it

When the customer writes

It starts when the customer accepts the purchase or asks how to pay. The Met on the channel creates and delivers the link inside the conversation; payment happens in Wompi's checkout. The only scheduled piece, when needed, is the reminder for whoever received the link and did not pay.

Nothing to set up. The Met assigned to that channel picks up the conversation and runs the procedure inside it.

Who runs it

Met for sales and payment

Sales team

It is the same Met already handling the sale on your WhatsApp. It keeps the amount, reference and transaction status in the same journey until Wompi confirms the result or the case needs to move to a person.

Run by the sales closing Met

Channels: WhatsApp · Instagram · Website chat

What you need connected

Wompi Collect and manage
Meteor CRM Sell and serve

5 steps · 10 tools

The procedure, step by step

Each step shows the tool that runs. They belong to the real connector: if one of them stopped existing, this page would not build.

1
Say what they can pay with, before sending anything

The enabled methods are your merchant's, not the ones on Wompi's brochure: the query returns which are active and which environment the loaded keys are running in. And when the question is whether their bank is on PSE, the list is requested right then, because Wompi changes it on its own. A bank recited from memory is the kind of mistake you only discover with the customer already at the checkout.
- wompi_listar_medios_pago Wompi
- wompi_listar_bancos_pse Wompi
2
Build the link with the exact amount, in pesos

The amount goes in whole pesos and the connector handles the conversion to cents. This is the most expensive mistake in chat collections: sending the amount in cents charges a hundred times too much, and this connector does not refund. So the Met confirms the figure with the person before creating the link, and leaves the note with the concept and the reference for later reconciliation.
- wompi_crear_enlace_pago Wompi
- crm_add_note Meteor CRM
3
Do not treat the payment as done until you see it approved

Creating the link moved nothing: it is a URL. The money arrives when the customer pays, and the only way to know that is querying the transaction by its identifier. Pending is not paid, and declined is not either. Only once the status reads approved does the Met move the contact along the pipeline and confirm the dispatch.
- wompi_consultar_transaccion Wompi
- crm_change_status Meteor CRM
4
Ask for the transaction number plainly

Wompi does not allow searching a payment by your own reference: it answers only by the transaction identifier, which the customer keeps on the confirmation screen and which travels in the return URL. If the customer says they paid and does not have it, the Met asks for it in those words instead of guessing, and records the contact and the detail so the next lookup does not start from scratch.
- crm_search_contacts Meteor CRM
- crm_update_contact Meteor CRM
5
Remind the customer when the link stays pending

A link sent and unpaid remains pending. The Met schedules a reminder with the charge context; after 24 hours of silence it goes out as a Meta approved template, which is the permitted path. It also tags whoever did pay, so the CRM can tell a confirmed purchase apart from a conversation that did not advance.
- crm_schedule_reminder Meteor CRM
- crm_add_tag Meteor CRM

Before you start

What you need ready

The Met solves none of these for you. If one is missing, the automation stops there.

Your Wompi merchant public key and private key

At comercios.wompi.co, under Developers and then API keys. The private one creates the links and the public one queries transactions: both have to be from the same environment, because mixing test with production returns an error that never says why.
A return URL on your own site

Any page of yours the customer lands on after paying, a thank you page for instance. It matters more than it looks: the transaction identifier travels in that URL, and it is the only piece of data that lets you verify the charge afterwards.
A WhatsApp template approved for the reminder

You register it in the WhatsApp Business manager and Meta reviews it. You only need it if you are going to chase unpaid links beyond the 24 hour window.

The limits

What this automation does NOT solve

Better said here than discovered halfway through the rollout.

It does not refund or void. Returning money already charged happens in the Wompi panel, by a person: the connector does not expose that tool and no configuration enables it.
It does not charge every month. Each charge is a new, single use link. Recurring billing does exist in Wompi, but this connector deliberately leaves it out, because it moves money with nobody involved.
It does not search payments by your reference, and it does not list the day's charges. Wompi answers only by transaction identifier; the reference is for reconciling on your side, not for querying on theirs.
It does not charge in dollars or any other currency. Wompi is Colombian and operates only in Colombian pesos, with that market's payment methods.
It does not process card data. The customer types it inside the Wompi checkout. If somebody writes it in the chat, the Met neither repeats nor stores it, and points them where it really goes.

FAQ

Questions about this automation

No. They open the link and choose in the Wompi checkout between PSE, Nequi, Bancolombia, card or a banking agent, depending on the methods your business has enabled. Payment happens in Wompi; the conversation before and after stays in the chat where they already were.

The payment methods and the market. The Mercado Pago connector does not expose PSE or Nequi, while Wompi charges only in Colombian pesos. If you need those methods in Colombia, this is the matching automation; for other markets, review the Mercado Pago one.

Yes. With test keys the link moves no real money, and the response says so in the environment it returns. The one rule is telling whoever receives that link that it is a test: somebody trying to pay it for real is a lost sale.

You create a new one, because every link is single use. But first it is worth checking whether the previous one was already paid, if you have the transaction identifier: sending a new link to somebody who already paid ends in a double charge.

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