WhatCart
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How your buyers pay you

Your buyers pay your store directly: cash on delivery, a bank or wallet transfer, InstaPay in Egypt, and soon a card on your own payment provider’s page. WhatCart is order-management software: it records how each order is paid, and never touches the money.

WhatCart is not a payment service

  • Buyers pay you, not WhatCart

    Cash goes to your courier or rider and then to you, transfers go to your own bank account or wallet, and card payments go to your own provider account. WhatCart never receives, holds, routes or settles any money.

  • No fee or share of your sales

    WhatCart takes no commission, fee or share of what your buyers pay. You pay only for WhatCart order packs, and any payment provider you use charges you its own fees under your contract with it.

  • Your own provider, your own contract

    Card payments are available only through your own Paymob or Stripe account, under your own contract with that provider, which checks and approves your business. The buyer pays on the provider’s own page.

  • WhatCart keeps the records

    Each order shows how it is paid and what is still due, including what a courier collected and has yet to pass on to you. Your team confirms transfers itself.

What the labels mean

Works today
Works today, with nothing to set up beyond your own instructions.
Switching on soon
Built and tested in WhatCart, not switched on yet. It will work only with your own account at the provider, once the provider has approved your business.

At a glance

How buyers can pay, by country. A dash means the option is not offered in that country.
CountryCash on deliveryTransferInstaPayPaymobStripe
EgyptWorks todayWorks todayWorks todaySwitching on soon
Saudi ArabiaWorks todayWorks todaySwitching on soon
United Arab EmiratesWorks todayWorks todaySwitching on soonSwitching on soon
QatarWorks todayWorks today
KuwaitWorks todayWorks today
BahrainWorks todayWorks today
OmanWorks todayWorks todaySwitching on soon
JordanWorks todayWorks today
TürkiyeWorks todayWorks today
LebanonWorks todayWorks today

Country by country

Your buyers choose how to pay when they place the order in WhatsApp, from the options your store turns on.

WhatCart supports stores in these ten countries only: Egypt, Saudi Arabia, United Arab Emirates, Qatar, Kuwait, Bahrain, Oman, Jordan, Türkiye and Lebanon.

  • Egypt

    • Cash on delivery

      Works today

      The buyer pays the courier, your rider or at your counter. Optional cash-on-delivery fee.

    • Bank or wallet transfer

      Works today

      Your own payment instructions in WhatsApp, with a deadline to pay. Your team confirms the payment.

      Examples of what stores write (not integrations): a bank account or a Vodafone Cash wallet number. A store uses either written instructions or InstaPay.

    • InstaPay

      Works today

      Your InstaPay details, the amount and the order number in WhatsApp. The buyer sends a screenshot; your team confirms.

    • Card payments with your own Paymob account

      Switching on soon

      The buyer pays by card on Paymob’s own page. The money goes to your Paymob account.

  • Saudi Arabia

    • Cash on delivery

      Works today

      The buyer pays the courier, your rider or at your counter. Optional cash-on-delivery fee.

    • Bank or wallet transfer

      Works today

      Your own payment instructions in WhatsApp, with a deadline to pay. Your team confirms the payment.

      Example of what stores write (not an integration): a bank transfer to your IBAN.

    • Card payments with your own Paymob account

      Switching on soon

      The buyer pays by card on Paymob’s own page. The money goes to your Paymob account.

  • United Arab Emirates

    • Cash on delivery

      Works today

      The buyer pays the courier, your rider or at your counter. Optional cash-on-delivery fee.

    • Bank or wallet transfer

      Works today

      Your own payment instructions in WhatsApp, with a deadline to pay. Your team confirms the payment.

      Example of what stores write (not an integration): a bank transfer to your IBAN.

    • Card payments with your own Paymob account

      Switching on soon

      The buyer pays by card on Paymob’s own page. The money goes to your Paymob account.

    • Card payments with your own Stripe account

      Switching on soon

      The buyer pays by card on Stripe’s own page. The money goes to your Stripe account.

  • Qatar

    • Cash on delivery

      Works today

      The buyer pays the courier, your rider or at your counter. Optional cash-on-delivery fee.

    • Bank or wallet transfer

      Works today

      Your own payment instructions in WhatsApp, with a deadline to pay. Your team confirms the payment.

      Example of what stores write (not an integration): a bank transfer to your IBAN.

  • Kuwait

    • Cash on delivery

      Works today

      The buyer pays the courier, your rider or at your counter. Optional cash-on-delivery fee.

    • Bank or wallet transfer

      Works today

      Your own payment instructions in WhatsApp, with a deadline to pay. Your team confirms the payment.

      Example of what stores write (not an integration): a bank transfer to your IBAN.

  • Bahrain

    • Cash on delivery

      Works today

      The buyer pays the courier, your rider or at your counter. Optional cash-on-delivery fee.

    • Bank or wallet transfer

      Works today

      Your own payment instructions in WhatsApp, with a deadline to pay. Your team confirms the payment.

      Example of what stores write (not an integration): a bank transfer to your IBAN.

  • Oman

    • Cash on delivery

      Works today

      The buyer pays the courier, your rider or at your counter. Optional cash-on-delivery fee.

    • Bank or wallet transfer

      Works today

      Your own payment instructions in WhatsApp, with a deadline to pay. Your team confirms the payment.

      Example of what stores write (not an integration): a bank transfer to your IBAN.

    • Card payments with your own Paymob account

      Switching on soon

      The buyer pays by card on Paymob’s own page. The money goes to your Paymob account.

  • Jordan

    • Cash on delivery

      Works today

      The buyer pays the courier, your rider or at your counter. Optional cash-on-delivery fee.

    • Bank or wallet transfer

      Works today

      Your own payment instructions in WhatsApp, with a deadline to pay. Your team confirms the payment.

      Examples of what stores write (not integrations): a CliQ alias or a bank transfer.

  • Türkiye

    • Cash on delivery

      Works today

      The buyer pays the courier, your rider or at your counter. Optional cash-on-delivery fee.

    • Bank or wallet transfer

      Works today

      Your own payment instructions in WhatsApp, with a deadline to pay. Your team confirms the payment.

      Example of what stores write (not an integration): havale/EFT to your IBAN.

  • Lebanon

    • Cash on delivery

      Works today

      The buyer pays the courier, your rider or at your counter. Optional cash-on-delivery fee.

    • Bank or wallet transfer

      Works today

      Your own payment instructions in WhatsApp, with a deadline to pay. Your team confirms the payment.

      Examples of what stores write (not integrations): a bank transfer or an OMT transfer. Payments on the store’s own Whish account are built but not switched on yet.

Each option in detail

How each option works, and where it is offered.

  • Cash on delivery

    Works today

    The buyer pays the courier, your own rider, or at your counter for pickup orders. You can add a cash-on-delivery fee: a flat amount, a percentage of the order, or both, with a minimum. WhatCart records what the courier collected and what it has passed on to you.

    Where: Every country

  • Bank or wallet transfer

    Works today

    You write your own payment instructions, such as your bank account or wallet number. The buyer gets them in WhatsApp with a deadline to pay and sends the money straight to you; your team confirms it. A receipt photo or PDF the buyer sends in the chat can be attached to the order as the transfer proof.

    Where: Every country

  • InstaPay

    Works today

    For stores in Egypt selling in EGP: your own InstaPay address or number, in place of written transfer instructions. The buyer gets your InstaPay details, the amount and the order number, pays you directly in their bank app and is asked to send a screenshot; your team confirms the payment. You can download a QR code of your own InstaPay link to share or print.

    Where: Egypt

  • Card payments with your own Paymob account

    Switching on soon

    If you have your own Paymob account, the buyer can pay by card, or by mobile wallet if your Paymob account offers it, on Paymob’s own payment page, opened from the order in WhatsApp. The money is paid into your Paymob account under your contract with Paymob; WhatCart only shows on the order whether it has been paid.

    Where: Egypt, Saudi Arabia, United Arab Emirates, Oman

  • Card payments with your own Stripe account

    Switching on soon

    If you have your own Stripe account, the buyer can pay by card on Stripe’s own payment page, opened from the order in WhatsApp. The money is paid into your Stripe account under your contract with Stripe; WhatCart only shows on the order whether it has been paid.

    Where: United Arab Emirates

Good to know

  • The buyer chooses in the chat

    When placing the order in WhatsApp, the buyer picks from the options your store has turned on. Nothing else is shown.

  • Limits on risky cash orders

    You can cap cash on delivery for a buyer’s first order, and ask buyers you mark as high risk to pay by transfer.

  • Your WhatCart order packs are separate

    You buy WhatCart order packs from Bit Techs, and the payment will be processed by Gumroad as the merchant of record. That purchase has nothing to do with how your buyers pay you.

What WhatCart does not do

  • Receive, hold, pass on or settle your buyers’ money.
  • Take a commission, fee or share of your sales.
  • Keep a balance for you, pay you out or split payments.
  • Sell for you, or list your store in a marketplace.
  • Confirm transfers or InstaPay payments automatically: your team confirms each one.

Card payments depend on the provider accepting your business: Paymob or Stripe checks your store, country and currency before you can take card payments with them.

Try WhatCart on your store

Available for stores in ten countries: Egypt, the Gulf, Jordan, Lebanon and Türkiye. Create your store, then connect your number and catalog when your Meta account is ready. Your first 50 orders free, no card required.

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