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Today, users handle everything from their phones, especially how they pay. It's no longer just about offering multiple payment methods, but about being in the right place at the right time. And right now, that place is WhatsApp.
This platform lies at the heart of a key transformation for industries that rely on recurring and efficient payments. Sectors like telecommunications, utilities, healthcare, and education are facing a challenge: closing the gap between users' preferred channels and traditional billing systems. The answer is clear: conversational payments.
Let’s consider a common situation: the customer receives a text message or an email notifying them of a pending bill. Then they must click a link, be redirected to a portal, log in, search for the bill, and finally make the payment. Each step is a potential hurdle.
These obstacles have direct consequences for businesses: incomplete payments, frustrated customers who abandon the process, and overwhelmed support teams dealing with avoidable inquiries. The result is a more expensive and less efficient operation, with a weakened brand experience.
The solution isn’t just building prettier payment portals. The real shift lies in bringing the experience to the channel where the customer is already active, through conversational payments. In response, Bemobi developed Grace, a platform that combines the convenience of WhatsApp with artificial intelligence and native digital payments.
Grace enables users to initiate and complete a payment directly within the conversation, with no unnecessary context switching. All it takes is a message or voice note, and the platform understands, accesses the customer's information, and clearly presents the amount due. The user can then pay using Pix, digital wallets, or credit card, all within seconds.
Built on WhatsApp, powered by large language models (LLMs), and natively integrated with WhatsApp Pay, Grace represents a new generation of payment solutions: more empathetic, automated, and fully integrated into users’ natural communication flow.
This is not just another solution. Grace transforms WhatsApp into a fully functional billing and payment channel, eliminating platform switching, passwords, and friction. From a single chat, users can view their payment history, check outstanding debts, understand the context, choose a payment method, and complete the transaction with just one click.
One of Grace’s most powerful features is its ability to integrate with a company’s operational systems. From billing systems to CRMs or ERPs, Grace securely and personally accesses data to:
Its vertical design means the platform is already tailored to the specific realities of industries like telecommunications, education, utilities, and healthcare—with language, workflows, and solutions aligned to the real challenges of each sector.
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Unlike generic bots, Grace uses advanced AI and LLMs to interpret natural language. It doesn’t just understand a question or keywords—it grasps context, intent, and emotion. This allows it to deliver accurate, empathetic, real-time responses that significantly enhance the customer experience.
Grace is a payments specialist, no adaptation or training required; it’s built into its core. Its value is further amplified by its integration with Bemobi’s robust multi-rail payment orchestration ecosystem, enabling secure and efficient transaction processing as a natural part of the conversation.
For more information on Payment Orchestration, we recommend this article: How payment orchestration drives recurring payments?
Implementing a solution like Grace delivers immediate improvements across the experience:
Additionally, by keeping the conversation channel open, companies gain a unique opportunity to continue engaging with customers—not just to collect payments, but to offer ongoing value, new services, or relevant content.
People already live their lives on WhatsApp. Companies that recognize this and adapt with intelligence and empathy will lead the next big evolution in user financial experience. With Grace, it’s not just about collecting—it’s about connecting and understanding.
Want to learn more about how Grace can integrate with your company? Fill out the form below and we’ll get in touch shortly.