Payments for your messages go directly to Meta. Spur plays no role in how much those charges are and the payment methods offered to you.
At the time of writing, Meta only excepts payments through card.
After you onboard and add a card to Meta's WhatsApp Manager, after a few days, payments might start failing.
Please make sure you set the card you add as the "Default Payment" method, even if it's the only card. This is a Meta Bug, but is the reason you will get 131042 payment error on trying to send WhatsApp messages.
This failure rate is quite high, almost 50% for our customers, we're working with Meta on how to fix this, but until then, this is how to fix it.
List of things that must be enabled on your Card
Enable domestic online payments
In some countries, Meta has local entities which will charge your card. Should be easily enabled via your banking app.
Enable International online payments
For countries which don't, try enabling International transactions on your card. Should be easily enabled via your banking app.
For India
Enable standing Instructions on your card.
Enable tokenization for your card.
Make sure the transaction limits are well above what you're trying to pay.
Round off the due amount
If the amount pending is 1,231.11, round it off to 1,231.00 and try to make the payment. If you've just tried paying, try doing this after an hour, so that things are reset on Meta's end.
Cards that are working in India
So far, we've seen success with:
HDFC Credit Cards (Visa, Mastercard)
SBI Credit & Debit Cards (Visa, Mastercard, Rupay)
Kotak Debit & Credit Cards (Any)
ICICI (Mastercard)
If possible, you can open an account with any of these, and it should work after you round off the amount like I've described above.
FAQs
Can I do top-ups over and above my pending bills for Meta?
No, you can only clear pending bills. Not top up for future usage.
How do you detect payment issues?
When you send a marketing template, if it fails to deliver because of a payment issue, WhatsApp sends us that error code and we display the banner.
When you clear the payment, the banner will still show, it will only go away when you send a template message and it gets delivered, there is no other way for us to detect if payment was cleared or not.
Why is the payment banner showing even after the payment is cleared?
We detect the payment issue when you attempt to send a marketing template message to a contact. So if your payment is cleared, try sending a template to any customer, and if it delivers, the payment banner should go away.
Sometimes we do additional checks before removing the banner, so it might take 10–15 mins for the banner to go away.
Conclusion
We're extremely sorry on Meta's behalf for your WhatsApp payment failures, this is not at all the experience we want, but this is the only solution until then!