How to use whatsapp pay

WhatsApp finally launched its payment feature WhatsApp Pay in India after years of facing legal hurdles. Initially, it is allowed to serve 20 million customers out of its nearly 400 million user base. WhatsApp Pay is slowly being sent to people across the country, so if you haven’t been shown this feature yet, don’t worry as it should be showing up soon.

WhatsApp Payments is based on UPI. To get started, you must have the latest version of WhatsApp for Android or iOS. Your WhatsApp number must be the same one that is also linked to your bank account.

Also Check How to Download WhatsApp Messenger?

WhatsApp payment:

How to set up?

It allows peer-to-peer payments through the WhatsApp payment messaging platform. Here’s how to set up WhatsApp payment on your smartphone.

  • Go to WhatsApp> Settings> Tap on Payment.
  • Tap Add payment method. Then choose your bank.
  • After choosing your bank, you will need to verify your phone number. Tap Verify by SMS.
  • Please wait until the verification process is finished. Once this is done, your bank details will be added under the payment methods.

How to Use WhatsApp Pay?

WhatsApp Pay allows you to send money to all your WhatsApp contacts, as well as to those who are not registered in WhatsApp Pay. The ‘Payments’ section is available in the shortcut menu. Users can view their transaction history and account details in that section. The payment system works with the Unified Payment Interface (UPI) method, where fund transfers can be initiated without providing the recipient’s bank account number and IFSC code. Follow these steps to send money to the WhatsApp contact.

  • Open WhatsApp chat and tap on the attachment icon.
  • Enter Payment> Touch the desired amount> Hit.
  • Enter your UPI PIN to complete the payment.

Follow these steps to send money to those who use other UPI applications like PhonePe or Google Pay.

  • Go to WhatsApp> Settings> Tap on Payment.
  • Touch New Payment> Touch Send to UPI ID> Enter UPI ID> Check Hit.
  • After verifying the UPI ID, enter the desired amount and press.
  • Enter your UPI PIN to complete the payment.

You can send a request to your WhatsApp contacts who have not yet signed up for WhatsApp. To do this, follow these steps.

  • Open WhatsApp chat> tap attachment icon> payment.
  • On the next screen, tap Notify to inform the other person about the WhatsApp payments feature.

By adopting these simple methods, you can start making digital payments through WhatsApp.

5 Things to keep in mind when using WhatsApp for payment:

Works on UPI

WhatsApp works on the Unified Payment Interface (UPI), the same system used by various apps from Google Pay, PhonePe, BHIM, and banks. So you don’t need to save money on WhatsApp for Wallet. WhatsApp will create a new UPI ID when you sign up for payment. You can find this ID in the ‘Locate payments’ section of the app.


You must have a bank account and a phone number to enable payment on WhatsApp. Payments can be made by clicking on the ‘attachments’ icon at the bottom of the screen, which you would normally use to send photos, videos, etc. WhatsApp will first instruct you to register and allow the use of phone calls and messages. To complete the registration. To pay, you must also set the UPI access code. If you already have a UPI passcode with your existing UPI application, you can use the same code.

Use it with other payment apps

You can use WhatsApp payments to send money to anyone with UPI enabled, either through another app like BHIM, Google Pay or PhonePe. If WhatsApp is not registered for payment, WhatsApp gives you the option to ‘UP Enter UPI ID’. Then you can enter your BHIM, Google Pay, PhonePe, or other UPI IDs to transact. Alternatively, they can complete the WhatsApp registration process to initiate the transaction. This will involve the same phone number and bank account verification process. Once both parties have completed the process, you can send and receive payments by clicking on the contact and then navigating to the payment via the attached icon.

Indian numbers only

WhatsApp Pay can only be used for Indian numbers linked to Indian bank accounts. People who have WhatsApp on international numbers cannot use them.

Transaction limit and fee

The 1 lakh transaction limit for UPI also applies to WhatsApp. UPI is a free service and you will not be charged for the transaction. Some UPI applications allow you to send money to people just by entering their bank account number and IFSC code. This feature is not yet enabled on WhatsApp.

I hope you get to know how to use whatsapp pay. If any query, comment down below.

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