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How to Setup Whatsapp Payment – Full Guide

Whats App, as we know provides the user with messaging, voice messaging, voice and video calls, and also sharing images, documents, location of the user, etc. This messenger Is owned by Facebook, Inc. This app has made messaging and sharing extremely easy. It is a free app, which makes it one of the most-used apps.

More than the aforementioned functions, another very important system that Whats App comes with is its Whats App Pay. This is an in-chat payment feature by which users can make their transactions through the app to their people in their contact list. A UPI-based payments service allows not only to send money but also to receive money. This payment service is developed by NPCI (National Payments Corporation of India). Initially, Whats App Pay was launched in India for trial in 2018 but later on, it got its approval from NTPC. Whats App Payments feature is available in beta in India.

You must be thinking, as to how to enable Whats-app Pay. Well, to do so, a user must start payment to any contact of its choice. As soon as the request is received, the user can set up their UPI account on the APP.

One can send money through chat as well. For this one needs to tap on the share file icon and select the Payment option. The payment system works on UPI. And also you do not need to provide any bank’s account number or IFSC codes of the recipient. Another way of transaction besides the UPI is through QR code. If you are willing to send money to someone who is not on your contact, then the QR Code method comes handy. All these make Whats App Pay user friendly.


There are some steps to set up the Whats App Payment. After this, you can get started with payments right away.

  1. First, you need to go to Settings. Then tap on the Payment option.
  2. Inside the Bank Accounts header, select Add New Account option.
  3. After reading all terms and conditions tap on Accept.
  4. Here you need to verify. Select the verify option via SMS. Then you need to follow all the prompts to send an SMS and start with the UPI linking process.
  5. Next, you will be directed to choose your bank account. The account that you would like to add for Whats App Payments.
  6. If your account(s) has been linked with your registered Whats App number, then the ‘UPI Setup Complete’ text will appear on your screen.

Once you have completed the aforementioned steps, you can send money. For this go to your chat window and open a chat to which you wish to send money. You will find an attachment icon, on which the New Payment option is present. Select it. Enter the amount before and the UPI pin to complete the transaction.

This app ensures a faster money transfer. Also, some banks such as ICICI Bank, HDFC Bank, Axis Bank, and SBI support this feature of Whats App. I hope all your queries are answered. And I’ sure you would like to experience the easiest and safest money transfer system. I’m mentioning the word “safest” because according to Whats App, the payment data is used to protect people from fraud. Also, the structure is safe and secure.

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