WhatsApp has become one of the main communication channels between businesses and customers across Latin America.

Quotes, reservations, orders, product questions, and customer support often happen entirely inside a WhatsApp conversation.

However, there is one moment in the customer journey where many businesses still rely heavily on manual work:

the payment.

A customer asks about a product, confirms that they want to buy it, and then a sales representative usually has to calculate the total, create or find a payment link, send it, and later verify whether the customer actually paid.

By combining AI agents, WhatsApp, and payment platforms such as Wompi, much of this process can be automated.

An AI agent can assist the customer, understand what they want to purchase, collect the required information, use connected business tools, generate a payment link, and continue the conversation afterward.

In this guide, we’ll explain how this type of automation works and how platforms like Flowti can connect AI agents with WhatsApp and Wompi to create more autonomous sales experiences.

🤔 What Is Wompi?

Wompi is a payment platform that allows businesses to accept digital payments and create integrations through different tools and APIs.

One of its useful capabilities is the creation of payment links, which can then be shared through channels such as WhatsApp, email, or social media.

These links can be configured with characteristics such as:

• 💰 A specific payment amount.
• 🔄 Single-use or reusable links.
• ⏰ Expiration dates.
• 👤 Customer information.
• 📝 Payment descriptions.

This becomes especially useful when combined with artificial intelligence agents.

Instead of having an employee manually generate every payment link, a connected system can create one programmatically based on the customer conversation.

💬 The Problem With Manual WhatsApp Payments

Imagine a restaurant receives this message:

Hi, I’d like two special burgers and one Coke.

An employee would normally need to:

1. Read the message.
2. Identify the products.
3. Calculate the total.
4. Confirm the order.
5. Ask about modifications.
6. Ask how the customer wants to pay.
7. Generate or find the payment method.
8. Send the payment link.
9. Wait for the payment.
10. Confirm manually that the payment was completed.
11. Process the order.

None of these steps is particularly difficult.

The problem appears when the business has:

10, 50, 100, or hundreds of simultaneous conversations.

The exact same process is repeated again and again.

Artificial intelligence makes it possible to automate a significant part of this repetitive work.

🤖 How Does an AI Agent Connected to Wompi Work?

A modern AI agent does not have to be limited to answering questions.

It can have access to tools that allow it to perform actions.

In Flowti, for example, businesses can configure agents with specific instructions and connect them to business tools.

A possible architecture looks like this:

Customer

↓

WhatsApp

↓

Flowti AI Agent

↓

Payment Tool

↓

Wompi

↓

Payment Link

↓

Customer

Instead of replying:

Please contact our billing department to pay.

the agent can help manage the process directly.

🛒 Example: Buying a Product Through WhatsApp

Imagine an ecommerce business receives this conversation.

👤 Customer

Hi, I want to buy the black sneakers in size 42.

🤖 AI Agent

Absolutely. The black sneakers are available in size 42 and cost COP 180,000. Would you like to place the order?

👤 Customer

Yes.

The agent collects the information required to process the order.

It can then ask:

Great. Would you like to pay now?

The customer replies:

Yes.

At that point, the agent uses the tool connected to Wompi.

Internally, the process would be approximately:

AI Agent → Wompi → Create Payment Link → Receive URL

The agent can then respond:

Perfect. You can securely complete your COP 180,000 payment through this Wompi link:
[Payment Link]

The entire sales process remains inside the same conversational experience.

🔗 Automatically Creating Wompi Payment Links

One of Wompi’s most interesting capabilities for this use case is its payment-link API.

Wompi allows payment links to be created programmatically.

That means a platform connected to Wompi can request a new link using information from the customer’s order.

For example:

Product: Special Burger
Quantity: 2
Total: COP 54,000
Customer: John
Order: #10382

The AI agent does not need to have a static payment link stored inside its prompt.

Instead, it can request a unique payment link for that specific operation.

Once the tool returns the result, the agent simply provides it to the customer.

🔄 The Complete Automated Sales Flow

A more advanced implementation can connect several business processes.

For example:

1️⃣ The customer starts the conversation

Hi, I want to buy a black T-shirt.

2️⃣ The agent retrieves product information

The agent can use a connected tool to check:

• availability;
• price;
• product variants;
• product information.

3️⃣ The agent confirms the purchase

The black T-shirt is available in size M for COP 89,900. Would you like to purchase it?

4️⃣ It collects customer information

The agent may request:

• name;
• phone number;
• address;
• city;
• other required information.

5️⃣ It calculates or retrieves the total

The system determines the final order amount.

6️⃣ It creates the payment process

The agent uses the Wompi integration to obtain a payment link.

7️⃣ It sends the payment link

The customer receives the link directly through WhatsApp.

8️⃣ The customer pays

The payment is completed using Wompi’s infrastructure.

9️⃣ The system verifies the result

The backend can check the transaction status.

🔟 The business process continues

Once the payment is confirmed:

🎉 Payment received! Your order #10382 has been confirmed.

The customer does not need to restart the conversation or contact another department.

✅ Automatically Checking Whether the Customer Paid

Sending a payment link is only part of the automation.

The real value comes when the system can also understand the transaction result.

A Wompi transaction may move through statuses such as:

• PENDING
• APPROVED
• DECLINED
• VOIDED
• ERROR

This allows the automation to react differently depending on what happened.

For example:

Approved payment

✅ Payment confirmed! Your order is now being processed.

Declined payment

It looks like the payment could not be completed. Would you like to try again?

Pending payment

Your payment is still being processed. We’ll let you know once it is confirmed.

This means the AI agent does not have to assume that the transaction succeeded just because it sent a payment link.

🧠 AI Agents That Sell, Not Just Answer Questions

This distinction is important.

A traditional chatbot often works like this:

Question → Answer

For example:

How much does it cost?

COP 50,000.

An AI agent connected to business tools can work more like:

Request → Understanding → Action → Result

For example:

I want to buy it.

The agent can:

1. Identify the product.
2. Check availability.
3. Create the order.
4. Determine the total.
5. Generate the payment process.
6. Send the link.
7. Continue the conversation.

The objective is not only to answer questions more intelligently.

It is to complete business processes inside a conversation.

💰 Which Payment Methods Can Wompi Support?

Wompi supports different payment methods depending on the market and integration being used.

Documented payment methods include options such as:

💳 Credit and debit cards.

🏦 PSE.

📱 Nequi.

🏦 Bancolombia Transfer Button.

The exact availability depends on the Wompi account, region, and integration configuration.

From the AI agent’s perspective, the important part is that the payment experience can begin directly from a conversation.

🍔 Example: Restaurant + WhatsApp + AI + Wompi

Restaurants are one of the strongest use cases for conversational payment automation.

Imagine this conversation:

👤 Customer

I want two special hot dogs.

🤖 AI Agent

Sure! 🌭 Would you like both with everything?

👤 Customer

One with everything, and the other without pineapple or onions.

The agent keeps each item as a separate order component.

It then asks:

Would you like to add anything to drink?

The customer adds two beverages.

The system calculates the order:

2 special hot dogs + 2 drinks = COP 48,000

The agent asks:

Your order total is COP 48,000. Would you like to pay now?

The customer confirms.

Flowti can then use the corresponding Wompi tool to initiate the payment process.

After the payment is confirmed, the order can continue into the restaurant’s operational workflow.

Flowti also supports restaurant-specific workflows where orders handled by AI agents can generate kitchen tickets in real time for the appropriate branch.

This creates an experience such as:

WhatsApp → Order → Payment → Confirmation → Kitchen Ticket

🛍️ Wompi + Shopify + AI Agents

Another interesting use case is ecommerce.

An AI agent can work with multiple tools at the same time.

For example:

Shopify

to retrieve product and store information.

and:

Wompi

to manage the payment process when needed.

The conversation might begin with:

Do you have black T-shirts in size M?

The agent retrieves the available information.

It can then continue assisting the customer and use the business tools configured by the store.

This turns WhatsApp into something closer to a conversational sales channel.

💻 What If the Customer Comes From Your Website?

WhatsApp does not have to be the only entry point.

Flowti also supports Web Chat.

Businesses can create a Web Chat channel in Flowti and receive a script that can be embedded on their website.

A visitor could write:

Is this product available?

The AI agent can assist the visitor directly from the website.

Depending on the configured tools, it can retrieve information and help the customer through the purchasing process.

This means the same automation strategy can work through different channels.

For example:

WhatsApp → AI Agent → Business Tools

or:

Web Chat → AI Agent → Business Tools

For ecommerce businesses, this is particularly useful because customers can begin a conversation without leaving the store’s website.

🏠 Wompi for Real Estate Businesses

Conversational payments are not limited to ecommerce.

Real estate companies may use them for processes such as:

• reservation fees;
• property deposits;
• administrative payments;
• service fees;
• other business-defined payment concepts.

For example:

I want to reserve the property we discussed yesterday.

The AI agent can identify the customer, retrieve the appropriate context, and continue the process configured by the company.

If a payment is required, it can initiate the corresponding payment workflow.

🦷 Wompi for Clinics and Dental Practices

Clinics can also combine conversational automation and payments.

For example:

Customer

I’d like to book an evaluation.

The agent checks availability and finds an open slot.

We have availability Tuesday at 3:00 p.m. The evaluation costs COP 80,000. Would you like to reserve it?

The customer accepts.

The AI agent can then initiate the payment process.

Once the payment is confirmed:

✅ Your payment has been received. Your appointment is confirmed for Tuesday at 3:00 p.m.

Several tools may participate in this process:

Google Calendar + Wompi + WhatsApp + AI Agent

Each one handles a different part of the workflow.

🤝 Transfers Between AI Agents

In more complex processes, one agent does not need to handle everything.

Flowti supports specialized agents and transfers between them.

For example:

Coordinator Agent

↓

Sales Agent

↓

Payments Agent

↓

Support Agent

If the customer says:

I’m having a problem with my payment.

the sales agent does not have to improvise a billing response.

The conversation can be transferred to a specialized agent.

A structure could even look like:

Coordinator → Sales → Payments → Payment Support

Each agent can have its own instructions, tools, and responsibilities.

👨‍💼 What If the Customer Needs a Human?

Automation does not mean removing human support completely.

There are situations where a person should take over.

For example:

I was charged twice and need someone to review my case.

In this situation, transferring the conversation to a human support representative may be the best choice.

The purpose of automation is to handle repetitive processes while allowing people to intervene when real judgment or investigation is required.

🔐 Security When Integrating Wompi

Payments require careful handling.

One critical rule is:

Private credentials should never be exposed to customers or embedded directly in frontend code.

Operations that require private keys should be executed securely on the server side.

Businesses should also:

• validate payment amounts;
• use unique references;
• verify actual transaction status;
• protect credentials;
• store relevant transaction results;
• handle errors and retries correctly.

The AI agent can initiate the action, but sensitive payment logic should remain protected in backend infrastructure.

🚀 How Does Wompi Work With Flowti?

Flowti is designed to allow AI agents to do more than just answer messages.

A business can configure an agent with:

🧠 instructions;

💬 communication channels;

🔌 tools;

🤖 other agents;

🔄 transfer rules.

Within that environment, Wompi can act as the payment-processing tool.

A possible architecture looks like:

Customer

↓

WhatsApp / Web Chat

↓

AI Agent

↓

Product / Order

↓

Wompi

↓

Payment

↓

Confirmation

↓

Next Business Process

The conversation is no longer the end of the process.

It becomes the interface through which automation begins.

❓ Frequently Asked Questions

Can I Send a Wompi Payment Link Through WhatsApp?

Yes.

Wompi payment links can be shared through channels such as WhatsApp.

Can Wompi Payment Links Be Created Automatically?

Yes.

Wompi provides an API that allows payment links to be created programmatically, making them suitable for integrations and automation.

Can an AI Agent Generate a Wompi Payment Link?

Yes, as long as the AI agent has access to a secure tool or integration that performs the appropriate Wompi API operations.

The agent itself does not need direct access to private payment credentials.

Can the System Automatically Know Whether the Customer Paid?

Yes.

Wompi provides transaction status information and event mechanisms that allow external systems to track payment results.

This makes it possible to continue a workflow when a transaction becomes, for example, APPROVED.

Can I Connect Wompi With WhatsApp?

Yes.

One possible architecture is to use WhatsApp as the conversational channel and Wompi as the payment infrastructure, connecting both through an automation platform such as Flowti.

Does Flowti Only Work With WhatsApp?

No.

Flowti currently supports WhatsApp and Web Chat as its main channels.

Web Chat can be embedded into a website using a script generated by the platform.

Can Wompi Be Used With Ecommerce?

Yes.

Conversational payment workflows can be part of ecommerce processes, provided the business architecture and payment logic are implemented correctly.

🎯 Conclusion

Combining WhatsApp + AI agents + Wompi makes it possible to take automation beyond answering customer questions.

A customer can start by saying:

I want to buy this product.

And finish by completing a payment without a sales representative manually creating each payment link.

Between those two moments, an AI agent can help:

1. understand the customer’s intent;
2. retrieve business information;
3. collect required data;
4. confirm the order;
5. initiate the payment process;
6. send the payment link;
7. continue the workflow once payment is confirmed.

For restaurants, ecommerce businesses, real estate companies, clinics, and many other organizations, this can turn WhatsApp into a much more complete sales and operational channel.

Flowti allows businesses to create AI agents connected to business tools such as Wompi, combining conversation, automation, and action execution inside the same workflow.

The idea is simple:

your AI agents should not only answer customers — they should also help them complete real business actions.