Does your business handle recurring purchases? Does it offer subscriptions? Or do you simply need to remind your customers about their bill payment?
This is a common problem for many businesses: the end of the month arrives, you send your billing statement, and the customer simply ignores it or forgets to pay. The debt snowballs into a headache for both the customer and your business.
The truth is that, according to research, Most defaulting customers want to pay, but they don't do so because they don't know how to pay or don't pay attention to the due date. – a natural forgetfulness, in the highly accelerated time we are living in.
The solution? Payment reminders!
Those who believe this feature is a nuisance to users are mistaken. On the contrary, while paying customers may ignore the message, forgetful and indebted customers welcome it—an effective service provided by your business.
On the other hand, the advantages of such a resource for your company are noticeable: Payment reminders drastically reduce defaults and the need to take other more radical measures to receive (such as inclusion in a list of debtors and legal actions).
However, you can't keep sending reminders manually! Even with someone managing the collections department, it's practically unfeasible (in terms of growth and scalability) to do it manually. Furthermore, there's no reason to complicate something that Artificial Intelligence can do it masterfully.
Not sure how to create a payment reminder journey? Learn more below.
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Payment Reminders on WhatsApp
You can use whatever communication channels you prefer and make sense for your business; chances are, WhatsApp is one of them. That's because 99% of Brazilians have the application installed on their smartphones; and 97% open the app every day (data from the Panorama Mobile Time/Opinion Box Survey – Feb/2025).
It is also possible just forward an automated reminder message to the user via WhatsApp – this short text alone is already a great help to remind the user of the financial commitment and proceed with the payment. Remember that To automate the sending of messages via WhatsApp, you must have the API version of the application., hired via Official Partner of Meta, like the Matrix Go.
But for the sake of example, let's go further! How about not just sending a payment reminder, but provide the selection of the plan, payment method and more, offer payment – all within WhatsApp?!
With the WhatsApp Flows, you can provide automated services within the application – the billing model being one of them. It allows companies achieve better performance by creating more integrated and personalized experiences on WhatsApp.
Along with him, the WhatsApp Payments allows users make payments without leaving the app; and the best part, you can track the status of each payment in real time on your digital communication platform, in our case, in Chatbots & AI from the Matrix Go.
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WhatsApp Flows and Payment Reminders
Initially, it is important to say that the WhatsApp Flows is also an exclusive feature of WhatsApp Business., accessible on your WhatsApp Manager. It is necessary to follow the commercial messaging policies from WhatsApp and enable business-initiated messaging in the Business account.
It also has three forms of editing:
– Message Template Editor: The message template is the simplest way to build flows in WhatsApp Flows, as it doesn't require code or dynamic data. Using a drag-and-drop tool, you can create simple flows.
– Flow Builder: A more advanced tool for editing, previewing, and managing flows. More technical, it requires some programming knowledge, as it allows direct editing of Flows' JSON.
– Flows API: Even more flexible and technical, you can use the Flows API to manage flows programmatically, creating custom tools and integrating Flows into your system.
It is important to say that, if you do not master the last two editing models and wish to create a more complex journey, it is always possible to count on the support of Meta's Official Partners – here at Matrix Go, our team is always available to help and we count on dedicated consulting packages for your business.
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Payment Reminder Journey Example
You payment reminders are a type of WhatsApp Flows, within useful messages – after all, they provide a reminder service for the end user and a collection and credit recovery service for the business.
The suggestion is start sending the message in a very direct and clear way, calling the user by name and providing the amount due and the due dateIn our example, a pay TV service is reminding users about the end of their package and suggesting renewal. The button should either direct them to payment or, as in our case, to the beginning of the flow, where we display the available renewal plans.
MESSAGE 01
Your latest pay TV bill is now available! 📺
Hi Sofia! Your subscription expires on March 30th. To continue watching without interruption, please review your plan and payment options by clicking the button below.
On the first screen of the flow, you can enter existing plans, encourage an upgrade, or pay for a longer period (annual, quarterly). In the example, pay TV recommends its best-selling package and provides options for other packages – see:
FLOW 01
Your plan
Recommended for you:
Movie Lovers Package 🎬 – R$159 / month
Unlimited movie channels; from blockbusters to indie films.
All plans:
Basic Entertainment Package 🍿 – R$119 / month
50+ (News, Lifestyle, Entertainment)
Sports Enthusiast Package ⚽ – R$259 / month
Extensive coverage of live sports, games and events
Family Package 🏠 – R$349 / month
For children, family films and educational content
Unlimited Entertainment Combo ⭐ – R$449 / month
200 channels including absolutely everything
Once you have selected the plan/package or simply the desired value, you can proceed to payment without leaving WhatsApp – a convenience that makes the user experience even faster and more dynamic. In this example, you can choose to pay by credit or debit card, other cards, or online banking. Here in Brazil, following our reality, It makes sense to offer credit cards, bank slips and PIX for payment.
FLOW 02
Payment Method
Select payment method:
credit card
Bank slip
PIX
Because it is a payment and/or hiring, one The next confirmation screen makes sense as a way to make the deal official. and avoid any confusion or doubt on the part of the user. In the example, we summarize the plan and value contracted by the customer.
FLOW 03
Summary
Confirm your plan
Plan: Movie Lovers Package
Channels: Unlimited movie channels; from blockbusters to indie films.
Price: R$500 / month
Payment method: Credit card
Confirmed by the user, the flow ends, returning to the WhatsApp chat window with the payment option. By clicking on “Pay Now”, WhatsApp Payments takes over the payment method chosen by the user. In available cases, if credit card, opening a screen for entering card details; if bank slip, forwarding the invoice in PDF format; if PIX, forwarding a code and QR Code for payment.
Follow the journey described in the example below:
Note that the payment reminder template presented is a example that can be adapted to the reality of your business in order to not only recover credit and ensure that “forgotten” customers receive it, as well as optimizing sales in an automated manner.
Did you like this example? There's more! Soon we'll talk about creating a satisfaction survey in WhatsApp Flows and generating registrations with purchase intent. Stay tuned to our blog! Talk to a Matrix Go Consultant and transform your service: 0800 604 5555
