COD Confirmation WhatsApp Template for Banking

Why utility is the right category

This message is transactional: it confirms a specific dispatch the customer can act on, contains no promotion, and points to a next step that is purely operational. That is exactly what Meta means by the utility category, and utility is billed at a lower rate per delivered message than marketing. Keep the body strictly informational — the instant you add a discount, a cross-sell or a 'limited-time' hook, the template becomes marketing, will attract a stricter review, and will bill at the higher marketing rate. Send it inside the free 24-hour service window that opens when the customer last messaged you and there is no per-message template charge at all; outside that window the template bills once, per delivered message, at the utility rate plus InfiQ's transparent ₹ platform pricing (ex-GST).

Personalise it so it reads 1:1

Three variables do the heavy lifting here, and each one earns its place. Variable {{1}} is the customer's first name so the message opens like a real person wrote it. Variable {{2}} is the dispatch or reference number the customer can match against your app, SMS or email — this is what turns a vague 'you have a delivery' into a trustworthy, verifiable update and is your strongest anti-phishing signal. Variable {{3}} is the exact rupee amount the courier will collect, printed with the ₹ symbol so there is no surprise at the door. Always populate every variable — a live template that shows a raw {{2}} to the customer looks broken and erodes the trust a banking sender depends on. Feed these values straight from your dispatch or loan-management system through the InfiQ API so each send is accurate and automatic.

Approval and delivery tips

Submit the template as utility with realistic sample values for all three variables — Meta's reviewers reject templates whose placeholders are empty or filled with gibberish, so 'Ananya', 'COD-DL-48217' and '499' beat 'xxx' every time. Give the template a clear internal name such as cod_confirmation_banking_v1 so you can version it later. Keep the wording neutral and specific: no emojis stacked for effect, no ALL-CAPS urgency, no promotional phrasing. Approval for a clean utility template is usually quick, often within a day, after which you can send instantly through InfiQ. If you want the same message in Hindi, Tamil or another language your customers read, submit it as a separate language version of the same template so Meta can serve the right one automatically.

• Category: Utility — informational, tied to a real dispatch
• Fill all three sample variables with realistic values before submitting
• No promotions, discounts or urgency language in the body
• Add language versions (Hindi, Tamil, etc.) as separate approved copies
• Wire variables to your dispatch/LMS data via the InfiQ API for accuracy

Handle the button replies

The three buttons turn a notification into a workflow. Confirm delivery tells your courier partner to proceed and can silently log the customer's acknowledgement. Pay now should deep-link to a hosted payment or UPI intent so the customer settles the amount digitally, cuts your cash-handling cost and speeds up the handover — a real win on card-issuance and document-kit volumes. Cancel is your safety valve: route those taps straight to a fraud or operations queue, because a customer cancelling a COD item they never ordered is often the first sign of an address or account-takeover problem. Every tap comes back to InfiQ as a structured webhook you can act on in your systems in real time, so the template does not just inform — it drives the next operational step.