How to use WhatsApp Pay to Send and Receive Money

Until a few years back, if I would say you can send money via WhatsApp, you would have laughed at me. But now it’s true using WhatsApp Pay; you can send and receive money from contacts added to your WhatsApp. 

What is WhatsApp Payments?

Designed in partnership with the National Payments Corporation of India, WhatsApp Payments is a UPI based in-chat payment service. To use it, you need to update your WhatsApp on Android and iOS. Also, the number you are using for WhatsApp should be lined with your bank account. In case both the numbers are different, you will not be able to add an account to make the payments.

Note: If you are using, you will be able to use WhatsApp Payments. 

To learn how to make payments using WhatsApp Payments, read further. 

How to Setup WhatsApp Payments and start making transactions?

To enable peer to peer digital payment via WhatsApp, the messaging platform follow the steps below: 

1. Launch WhatsApp

2. Click the three stacked dots at the top right corner.

3. Select Payments


WhatsApp Pay to Send and Receive Money


4. Since we are using WhatsApp Payments for the first time, we will need to link our bank account. To do so, tap the Add payment method.


WhatsApp Pay to Send and Receive Money


5. Wait for it to show you the list of banks.

6. Select your bank


WhatsApp Pay to Send and Receive Money


7. Accept the terms and conditions and by tapping ACCEPT AND CONTINUE


WhatsApp Pay to Send and Receive Money


8. Next, allow WhatsApp to send and view SMS messages.


WhatsApp Pay to Send Money


9. After giving permission, allow WhatsApp to make and manage phone calls?

10. Once you have given all the permission, WhatsApp will now verify your phone number.


WhatsApp Pay to Send and Receive Money


11. Wait for the verification to finish. Do not close WhatsApp when the verification is in process.


Whatsapp money


12. After the account and phone number are confirmed, you will be asked to enter the UPI PIN.


Whatsapp money


Note: If you have forgotten the UPI PIN, tap Don’t KNOW YOUR UPI PIN

 13. Once done, you will receive a window with the message Setup complete.


Whatsapp money


14. Tap Done and then tap New Payment.

Whatsapp money


15. Now, you can send the payment via UPI ID or can Scan the QR code.


Whatsapp money


16. Alternatively, you can tap the person’s chat to whom you want to make payment and tap the Attachment icon. This will now show Payment as an option.


WhatsApp Pay to Send and Receive Money


17. Tap Payment. You will now be redirected to a new window. Under the PAY tab, enter the amount you want to pay and add a new payment.


WhatsApp Pay to Send Money


18. Enter UPI Pin when asked for and wait for it to process the request.


WhatsApp Pay to Receive Money


19. Once the payment is made, you will see the confirmation message in chat windows. Also, you can see the same under Payment history. In case the transaction fails, you will see that too.


WhatsApp Pay to Send and Receive Money


20. In this way, you can make payments to anyone using WhatsApp. 

This is it. Using these simple steps, you can easily add your bank account and make payments to your friends or anyone on your WhatsApp contact list

FAQ – WhatsApp Payment

Can I add multiple accounts in WhatsApp Payment?

Yes, you can add multiple accounts. To do so, go to Payments > tap Add a payment method and follow the same process as you did to add the first account. 

How to Switch Accounts when making payments using WhatsApp Payment? 

To make payments using different accounts, you will first need to add all those accounts. Once that is done, you can make payments via multiple accounts; when making the payment tap the account. You will now get a new box from where you can select the account you want to make payment.


Whatsapp Pay Accounts

Can I remove the added account from WhatsApp Payment?

Yes, you can. To do so, follow the steps below: 

1. Launch WhatsApp

2. Tap the three stacked dots > Payments > tap the account you want to remove 

3. Again, tap the three stacked dots present in the right corner > Remove payment method.

This way, you can remove the account from the list.


Whatsapp money


How can I change the default payment method?

To change the default payment method, follow the steps below:

1. Launch WhatsApp

2. Tap the three stacked dots > Payments > tap the account that you want to make as the default.

3. Tap Default payment method

This way, you can make the selected account as default.

Note: This way; you can also change the UPI PIN. 

Hope you find this post helpful and will now not only use WhatsApp for a chat but will also make payments using it. 


  • comment_avtar
    Lucy Taylor
    Useful information. Thanks for sharing.

    3 years ago
  • comment_avtar
    Finally, I will be able to access the much-talked feature.. thanks to WhatsApp.. thanks to you guys

    3 years ago
  • comment_avtar
    Setting up this feature became easy thanks to this article.

    3 years ago
  • comment_avtar
    WhatsApp Pay! Awesome feature.

    3 years ago

Leave a Reply

Your email address will not be published. Required fields are marked *

Subscribe Now & Never Miss The Latest Tech Updates!

Enter your e-mail address and click the Subscribe button to receive great content and coupon codes for amazing discounts.

Don't Miss Out. Complete the subscription Now.