WhatsApp Payments Added to Options of Digital Wallets in Beta Update for India


Digital Payment usage increased since the demonetisation in November 2016. Since then, there are a number of payment methods which have been added to the market including the government introductory app called BHIM. Now, WhatsApp is coming to play the game with other big parts in the business like PayTM, BHIM etc. Since it is based on UPI, the money will go straight to your bank account, eliminating the need of mobile wallets.

WhatsApp payments feature is rolling out to select users in India right now. First, make sure you are running the latest version of the app – as of filing this report, that’s v2.18.41 on Android and iPhone v2.18.22. Open any WhatsApp chat and see if you see the new Payments sub-head under Settings. If you do, great, you now have access to WhatsApp’s UPI-based payments feature. If not, you have no other option but to wait.

Setup Payment in WhatsApp Payment:

Once you get the update, you can easily setup things by tapping on the Payments option in the Settings page will open a verification page where users will be asked to enter the mobile number associated with their bank accounts. Those who have used UPI before won’t have to link their accounts with their numbers again, but will have to verify with an OTP and set a four-digit PIN for transactions.

  • Go to Settings -> Payments inside WhatsApp.
  • In the Bank Accounts sub-head, select the Add New Account option.
  • Tap Accept and Continue if you agree with the terms.
  • Tap the Verify via SMS and follow the prompts to send an SMS to start the linking process.
  • On the next screen, select the bank whose account you want to add.
  • If you have an account (or multiple accounts) linked with the number that you just sent the SMS from, you will be presented with your account (or accounts) from that bank.
  • If everything goes smoothly, you will see the UPI Setup Complete screen.

How to Send Money Through WhatsApp:

Just like you send locations, pictures and documents through WhatsApp by clicking the attach button, the same way, payments also can be attached to the person’s chat to whom you are sending it to and hit send. To authorise the payment, just enter the UPI PIN of the bank account from which you are trying to send money. The amount will be directly transferred into the account of the person. Once the money is sent, the amount (and the text note, if any) will show as a message as part of the conversation.

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