India BSP Scorecard 2026 · 8 WhatsApp Business Providers · 25 Axes
Choosing the best WhatsApp BSP in India for 2026 should not require a sales call. This is a public, sortable, auditor-friendly scorecard of every major Indian WhatsApp Business Provider across 25 evaluation axes — pricing, compliance, infrastructure, product, billing, support. Wikipedia tone. Verifiable sources. Updated quarterly.
Transparent. Auditable.
Public sources only
Every cell is sourced from the vendor's published India pricing page, product docs, security white paper or trust portal. No vendor sales decks, no NDA material.
Conservative on uncertainty
Where the public data was ambiguous we mark the cell Partial, never invented. We err toward charity for competitors.
DPDP-grade audit trail
The full axis definitions and per-cell sourcing are exported in the downloadable PDF — drop straight into your RFP appendix.
Re-verified quarterly
Vendors ship and reposition. We re-verify all 200 cells every quarter, bump the dateModified, and ping IndexNow. Corrections welcome at [email protected].
The scorecard
8 columns × 25 rows. Click any column header to sort by that provider's score on that category. Filter by category using the pills above the table.
| BILLING | Client Pay billing (client holds Meta card) Agencies / brands can keep Meta invoice in their own name. | Partial | Partial | ||||||
|---|---|---|---|---|---|---|---|---|---|
| BILLING | Razorpay-native top-up + GST invoice | Partial | Partial | ||||||
| BILLING | SaaS Pay (single inclusive INR wallet) | ||||||||
| COMPLIANCE | Audit log retention (≥ 7 years exportable) | Partial | Partial | Partial | |||||
| COMPLIANCE | DPDP Act 2023 ready (India) Publicly documents purpose-limitation, consent ledger, withdrawal flow. | Partial | Partial | Partial | Partial | ||||
| COMPLIANCE | IRDAI cashless claim lifecycle | Partial | Partial | ||||||
| COMPLIANCE | NHCX FHIR R4 payload support National Health Claims Exchange FHIR-conformant message templates. | ||||||||
| COMPLIANCE | RBI Master Direction on outsourcing BFSI consent recording, retention, escalation matrix documented. | ||||||||
| INFRA | GST e-invoice (IRN + QR) | Partial | |||||||
| INFRA | India-hosted data plane Primary processing on AWS Mumbai / GCP Mumbai / Azure India. | Partial | Partial | ||||||
| INFRA | ISO 27001 certified | Partial | Partial | Partial | |||||
| INFRA | Published uptime SLA ≥ 99.9% | Partial | Partial | Partial | |||||
| PRICING | Authentication template markup | Partial | Partial | Partial | Partial | Partial | Partial | Partial | ₹0.10 flat |
| PRICING | Marketing template markup over Meta rate Platform fee on top of Meta India marketing per-conversation cost. | Partial | Partial | Partial | Partial | Partial | Partial | Partial | ₹0.10 flat |
| PRICING | No hidden setup / agent / API fees Are setup, per-seat agent, or API access fees fully disclosed on pricing page? | Partial | Partial | Partial | |||||
| PRICING | Subscription floor (₹/mo minimum) Lowest published plan or hard usage minimum. | $49 (~₹4,090) | ₹2,499 | ₹2,500 | Contact for quote | Contact for quote | Usage only | Contact for quote | ₹0 |
| PRICING | Utility template markup over Meta rate | Partial | Partial | Partial | Partial | Partial | Partial | Partial | ₹0.10 flat |
| PRODUCT | AI Pathway / BYOK LLM node Bring your own OpenAI / Claude / Gemini key in flows. | Partial | Partial | ||||||
| PRODUCT | Google Sheets read + write node | Partial | |||||||
| PRODUCT | Razorpay native payment flow node | Partial | |||||||
| PRODUCT | Shared multi-agent inbox | ||||||||
| PRODUCT | Visual flow builder (drag-and-drop) | ||||||||
| SUPPORT | Founder reachable on WhatsApp | ||||||||
| SUPPORT | P1 response SLA published | Partial | Partial | Partial | |||||
| SUPPORT | Support over WhatsApp (not just email) | Partial | Partial | Partial |
Sortable. Click any column header to re-rank. Filled circle = vendor publicly documents support. Empty circle = no public evidence of support. "Partial" = capability exists in some plan tier or is contact-for-quote. Scoring: yes = 2, partial = 1, no = 0. Data sourced from each vendor's public India pricing & product pages, verified 2026-05-21. Anything uncertain is marked Partial — we err toward charity for competitors.
What the 25 axes actually mean
- · Subscription floor (₹/mo minimum)
- · Marketing template markup over Meta rate
- · Utility template markup over Meta rate
- · Authentication template markup
- · No hidden setup / agent / API fees
- · DPDP Act 2023 ready (India)
- · RBI Master Direction on outsourcing
- · IRDAI cashless claim lifecycle
- · NHCX FHIR R4 payload support
- · Audit log retention (≥ 7 years exportable)
- · India-hosted data plane
- · GST e-invoice (IRN + QR)
- · ISO 27001 certified
- · Published uptime SLA ≥ 99.9%
- · Visual flow builder (drag-and-drop)
- · Shared multi-agent inbox
- · AI Pathway / BYOK LLM node
- · Razorpay native payment flow node
- · Google Sheets read + write node
- · Client Pay billing (client holds Meta card)
- · SaaS Pay (single inclusive INR wallet)
- · Razorpay-native top-up + GST invoice
- · Founder reachable on WhatsApp
- · Support over WhatsApp (not just email)
- · P1 response SLA published
Get the editable BSP Scorecard PDF
Same 25 axes, 8 BSPs — as a portable, auditor-friendly PDF you can drop into your RFP deck. Sent to your WhatsApp inside 5 minutes. No spam, no follow-up calls unless you ask.
Frequently asked
Which is the cheapest WhatsApp BSP in India for 2026?+
On a pure unit-cost basis the cheapest is whichever provider applies the smallest platform markup on top of Meta India per-conversation rates. RichAutomate publishes a flat ₹0.10 platform fee per message on the Client Pay model with ₹0 subscription floor, which makes it the lowest unit cost in this scorecard at >50k messages/month. Wati and AiSensy bundle the platform fee inside subscription tiers, which can be cheaper at very low volumes but cross over by ~30k messages/month.
Which Indian WhatsApp BSP is most DPDP Act 2023 compliant?+
DPDP compliance requires a documented consent ledger, purpose-limitation per template, withdrawal flow and 7-year audit log retention. In this scorecard RichAutomate and Karix publish the most complete DPDP posture; Wati, AiSensy and Interakt publish a generic global privacy policy. Always ask for the data-processing addendum (DPA) and audit log export before contracting.
Do all major Indian BSPs support Meta Native Flows and the visual flow builder?+
Meta Native Flows (in-WhatsApp forms) are a Meta-level capability that any BSP on Cloud API v24.0+ supports. The custom visual flow builder — a drag-and-drop graph engine that runs outside WhatsApp — is offered by Wati, AiSensy, Interakt and RichAutomate but not by Gupshup, Karix, Twilio or Sinch in their default India offering.
Which BSP is best for BFSI and insurance in India?+
For RBI-regulated entities the deciding factors are: India-hosted data plane, RBI Master Direction outsourcing alignment, IRDAI cashless claim lifecycle, NHCX FHIR support and 7-year audit log retention. Karix, Gupshup and RichAutomate score highest on this stack; Twilio and Sinch carry global certifications but lack India-specific sectoral templates.
How is this scorecard kept honest and updated?+
Every cell is sourced from the vendor's publicly available India pricing page, product documentation, security white paper or trust portal as of 2026-05-21. Where the public data was ambiguous we mark the cell Partial rather than guess. The scorecard is re-verified quarterly; significant changes trigger an immediate dateModified bump and an IndexNow ping. Send corrections to [email protected] — verified corrections are merged within 48 hours.
Built the scorecard. Beat it on every axis.
RichAutomate publishes its pricing, compliance posture, audit log retention and SLA on a public page. Start free with 100 conversation credits — no credit card.