01
Register your business
Sign up, register the business, and add a settlement bank account. Monnify validates the account name and issues a dedicated subaccount.
Account name resolved: ADA STYLES LTD
Subaccount created: MFY_SUB_…
The Official WhatsApp-Native Commerce & Receipt EngineTurn WhatsApp orders into verified payments.
Confirmly helps merchants structure customer orders, collect payments through Monnify, and issue trusted receipts without leaving the sales flow they already use.
WhatsApp orderstructured orderMonnify checkoutpayment verifiedreceipt issued
100%
Payments verified with Monnify, server-side
0
Screenshots ever accepted as proof
7
Monnify APIs integrated end to end
24/7
Automated ordering on WhatsApp
The problem
Selling on WhatsApp works. Managing it doesn't.
Scattered orders
Order details buried across dozens of chats — quantities, sizes and addresses lost in the scroll.
Fake screenshots
Edited payment screenshots pass for proof, and goods leave before money ever arrives.
Wrong totals
Mental arithmetic across items, variants and delivery fees produces expensive mistakes.
Unmatched transfers
Bank alerts with no reference — hours lost matching payments to orders by hand.
Manual receipts
Typed receipts carry no proof and settle no dispute.
Missing audit trails
When a dispute lands there is no record of who agreed to what, when.
How it works
From registration to settlement, verified at every step.
Keep scrolling — each step stacks on the last, exactly like the flow itself.
02
Customers chat like always
A customer picks your store with its code, then orders in plain language — English, Nigerian English, or Pidgin. No app to download.
START ADASTYLES — I need two black polo shirts, large, to Yaba
03
Confirmly structures the order
NVIDIA NIM extracts intent, your catalogue supplies every price, and the server does the maths in integer kobo. One summary, one explicit confirmation.
2 × Polo Shirt₦24,000
Delivery · Yaba₦2,500
TOTAL₦26,500
04
Monnify collects and verifies
The customer pays a Monnify-generated checkout — never your personal account. The webhook is signature-checked, then the transaction is re-verified server-to-server.
monnify-signature · HMAC-SHA512 valid
GET /v2/transactions/… → PAID
screenshot.jpg → REJECTED
05
Settlement routed to you
Every checkout carries your subaccount in its income split, so Monnify settles your share straight to your registered bank account — tracked separately from payment verification.
splitPercentage100
paymentVERIFIED
settlementPENDING
The distinction that protects your money
“They paid” and “I have the money” are two different facts.
Most tools stop at “transaction successful.” Confirmly tracks payment and settlement as separate, verified states — so you only ship against money that has actually arrived.
Verified · Payment
The customer's money left their account
Established only by a server-side Monnify verification. No client redirect, no screenshot, and no unsigned webhook can set it.
Pending · Settlement
Your bank has not been credited yet
Stays pending until a Monnify settlement event confirms payout. Your dashboard shows both, so the two are never confused.
A scheduled reconciliation pass re-verifies against Monnify to recover any payment whose webhook was dropped — so a missed delivery degrades into a delay, never a lost order.
For merchants
A back office for the shop you run from your phone.
Everything you need to run verified WhatsApp commerce — catalogue, settlement, conversations and reporting — in one dashboard.
Catalogue and variants
Products, aliases, sizes, colours, stock and delivery zones — the single source of truth for every order.
Settlement account
Validated bank account, dedicated Monnify subaccount, masked everywhere, replaceable only with reauthentication.
Conversations
Full transcripts with one-tap human takeover and resume. The bot steps aside the moment you type.
Payments and settlements
Verified revenue, pending settlements and settled amounts — tracked separately, honestly.
Security
Trust, engineered in.
The rules that make a payment real are enforced by the server, not by convention — so fraud is designed out, not policed after the fact.
Screenshots never count as proof
Only a server-verified Monnify transaction can mark an order paid. Claims and images are checked against the provider, not believed.
Your catalogue controls prices
The AI extracts intent only. Every price, fee and total comes from your database, calculated server-side in integer kobo.
Monnify verified server-side
Signed webhooks, idempotent events, and a second server-to-server verification before any state changes.
Settlement details protected
Bank account numbers are encrypted at rest, shown only masked, and never displayed as a checkout destination.
Every event auditable
From first message to settlement, each step lands in a chronological, dispute-ready timeline.
Receipts anyone can verify
High-entropy tokens and QR codes resolve to VALID, REVOKED, or NOT FOUND — no arguments.
FAQ
Questions, answered.
Do my customers need to download an app?
No. Customers order in the WhatsApp thread they already use. They pick your store with a short code, then chat in plain language — nothing to install or learn.
How is a payment actually confirmed?
Only a server-to-server verification against Monnify can mark an order paid. Screenshots, redirects and unsigned callbacks are never trusted — the provider is the single source of truth.
Where does my money settle?
Into your own bank account. Each merchant gets a dedicated Monnify subaccount, and every checkout carries your income split, so Confirmly never holds a float.
What does the AI decide?
Only what the customer meant — the product, variant, quantity and delivery area. Every price, fee and total comes from your catalogue and is computed server-side in integer kobo.
Can one WhatsApp number serve several branches?
Yes. One shared number serves every branch; customers select a branch before ordering, and catalogues, stock and orders stay scoped to that branch.
Is my bank information safe?
Account numbers are encrypted at rest, shown only masked, and never presented to a customer as a payment destination.
Point your camera here
Scan to order
Start an order on WhatsApp
Scan the code with your phone camera, or tap the button below on mobile. Confirmly replies with the list of stores — pick one and order right inside the chat.
- Business number
- +234 704 486 0938
Chat on WhatsAppPayments verified by Monnify