scorecardHere’s how to use WhatsApp Pay to send and receive money
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Here’s how to use WhatsApp Pay to send and receive money

Here’s how to use WhatsApp Pay to send and receive money
Tech2 min read
  • WhatsApp has received approval to launch its UPI payments service in India and rolled out the payment service, starting today.
  • The Facebook-owned messaging app can initially offer payment services to 20 million users.
  • You can use WhatsApp Payments to send and receive money using WhatsApp.
  • Check the latest news and updates on Business Insider.
WhatsApp has rolled out its Payments service after receiving approval from the National Payments Commission of India (NPCI) to operate its payments service using the Unified Payments Interface (UPI). While WhatsApp Payments has been available for some time now, the number of users were restricted to 1 million.

WhatsApp has over 400 million monthly active users in India, and it has received approval to offer payment services to 20 million users initially. To register for WhatsApp Payments, all you need is a WhatsApp account with an Indian number, a bank account and a debit card.

How to register for WhatsApp Pay

To begin, make sure you are on the latest version of WhatsApp. Check the Play Store or the App Store for an update.

  • Open WhatsApp and click on the three dots menu at the top right corner.
  • Now, click on ‘Payments’.
  • Then, click on ‘Add payment method’.

  • Now, select the bank that you have an account in.
  • WhatsApp will then verify your phone number and show your bank account.
  • Click on your bank account and then, click on ‘Done’.
  • You will now be able to see your UPI ID, your payment history and your linked bank accounts.
How to send money using WhatsApp

WhatsApp allows you to send money only to those contacts that have registered for WhatsApp Payments. If you try to send money to a contact that has not enabled the service, you get an option to notify the user to enable payments to receive money. WhatsApp currently allows you to send up to ₹5,000 in a single transaction.

  • Open the chat of the user whom you wish to send money.
  • Now, click on the attachment button near the chat box.
  • Now, click on Payments.
  • Enter the amount and you can also add a note for the payment.
  • Now, click on the send button.
  • Then, enter your UPI PIN to approve the payment.

WhatsApp Pay UPI services gets the green signal from NPCI, but rollout will be in a 'graded' manner

WhatsApp Pay UPI is now live while Google Pay, PhonePe have already got the first sting