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WhatsApp compliance

How to follow WhatsApp rules when sending campaigns in Colombia

Plan WhatsApp commercial campaigns with verifiable opt-in and learn why debt collection is restricted by the channel policy.

For: Marketing and operations teams running campaigns in Colombia

7 min readEditorially reviewed: November 1, 2026

A commercial WhatsApp campaign in Colombia should start with explicit opt-in and be measured by replies and outcomes. If the purpose is collecting a debt, the current policy includes debt collection in the list of services businesses may not facilitate and does not detail every edge case; verify the specific use before relying on the channel.

On this page

02

Separate channel policy from operating rules

Review current WhatsApp policies and use the templates that apply. The current policy includes debt collection in the list of services businesses may not facilitate but does not detail every edge case, so verify the specific model. Separately, Law 2300 of 2023 regulates authorized collection channels and contact: Monday to Friday, 7 a.m.–7 p.m.; Saturdays, 8 a.m.–3 p.m.; no Sundays or public holidays. After direct contact, Article 3 prohibits contact through multiple channels within the same week or more than once on the same day; Article 4 prohibits contacting personal or other references, while guarantors, co-debtors, and joint debtors may be contacted under the same conditions in the law. The different-hours exception requires the consumer's express request in an instrument separate from and subsequent to the contract. Article 5 extends the framework to commercial advertising by SMS, apps/web, email, and calls, and requires an efficient opt-out. Confirm applicability with legal counsel: compliance with the law does not override Meta restrictions.

  • Explicit opt-in for the message category
  • Approved template when required by the conversation type
  • Recorded do-not-contact request
  • Do not launch WhatsApp Business debt-collection campaigns without confirming the use is permitted

03

Measure the full campaign outcome

Do not measure only messages sent. Connect delivery with replies, opportunities, and outcomes to understand whether outreach was useful and when to adjust the flow.

  • Sent and delivered
  • Replies and opt-outs
  • Qualified leads
  • Booked appointments
  • Conversion and attributed revenue

Frequently asked questions

Can I use a purchased contact list?

A purchased list does not by itself demonstrate WhatsApp's required explicit opt-in to receive messages from your business. Keep evidence of consent and provide a clear opt-out path.

What if someone asks to stop receiving messages?

Record the request in a suppression list and stop future campaign outreach to that number.

Can I use WhatsApp Business for debt-collection campaigns?

The current policy includes debt collection in its list of services businesses may not facilitate, but does not detail every edge case. Do not assume consent or an approved template permits it; check the current policy and its applicability before using the channel.

Sources and scope

  • WhatsApp Business Messaging Policy

    Primary source for WhatsApp opt-in, opt-out, and messaging requirements. It includes debt collection among services businesses may not facilitate; verify the latest version and how it applies to the specific model.

  • Colombia Law 2300 of 2023 — official text

    Primary source for authorized channels, collection contact rules, and commercial advertising messages in Colombia. This guide is informational, not legal advice.

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