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How to Set Up WhatsApp Payment_Everything you Need to Know

Axel Nash

Written By Axel Nash |

whatsapp payment

Whatsapp is the leading messaging app that is being used by millions of users actively. This feature-loaded app lets you video call, audio call, update status, and profile picture, making it a small-scale social media platform. There is no doubt that WhatsApp has seamlessly evolved during the past years and is thriving to deliver top-notch services to its users. Recently, WhatsApp has introduced a feature to send and receive payments to your contacts just like other payment apps. It uses UPI-based payment systems to transfer money. Moreover, it supports all major banks like ICICI, SBI, HDFC, Axis Bank, etc., to process payment requests. So, if you wish to know more about this fresh WhatsApp feature, don't skip reading this post till the end of it!

Part 1. How to Add a Bank Account?

To use WhatsApp payments, you need to make a payment to contact by sending the request. After receiving the request, the user can set their UPI and use it to send or receive money. There is no need to worry when transferring money using WhatsApp as it does not save any of your data like bank information and UPI details. Also, you don't need to download anything separately to use Whatsapp payments, just set up this feature and use it within the app.

Step 1: Launch Whatsapp on your mobile phone

Step 2: Go to the menu from three vertical dots on the top right of the screen for Android devices. For iPhone, go to Settings.

Step 3: Click on Payments

Step 4: Now, tap on New Payments to add the payment method.

Alt: whatsapp payments

Step 5: After this, click on Accept and Continue to proceed forward

Step 6: Now, select your bank from the list, followed by verifying your phone number. Ensure that the number you have given for verification is the same as the number registered in your bank.

Alt: Add Bank

Step 7: Click on Verify to send you a verification SMS to validate the details shared by you

Step 8: Again, click on Allow to let WhatsApp send an authentication message to your account and pull all your accounts registered with the same number

Step 9: Select the account you would like to choose for WhatsApp payments and click on Done to complete the process

Alt: setup completed

Step 10: On doing so, you will see the selected payment method listed for WhatsApp payments.

Part 2. Send Money with WhatsApp Payment

The below simple steps will help you in sending money via WhatsApp. You don't have to worry about your data privacy as everything is end-to-end encrypted in WhatsApp.

Step 1: Open the chat of the individual you want to send money to

Step 2: Now, navigate to the attachment icon or +

Step 3: From here, click on payments and enter the amount you want to send. You can also add a note to the receiver.

Alt:whatsapp send money

Alt: Whatsapp send money.jpg

Step 4: Lastly, enter your UPI pin to complete the process. Once after successful completion, you will be notified via a confirmation text

Part 3. Send Money with QR Code on WhatsApp

Whatsapp introduced payment transfer methods but was still lacking with advanced payment options like QR codes. This feature was integrated soon after the coming of the payments feature.

To send money to anyone using QR code scanning. Follow the below easy steps.

Step 1: Go to WhatsApp settings and select Payments.

Step 2: Now, tap on New Payments, followed by selecting Scan QR Code

Step 3: You will now be redirected to the QR scanning option, where you will be asked to enter the amount you want to send

Step 4: At last, enter your UPI pin for verification.

To receive money in your account with WhatsApp, the below steps are required. You can receive money from anyone on WhatsApp, even if the sender doesn't have WhatsApp payments.

Step 1: Share your WhatsApp UPI pay id with the sender

Step 2: The sender can use any payment platform like PhonePe or Google Pay to send you money using your UPI id.

Step 3: Whatsapp Pay will inform you once the money is received in your account

Part 4. Send money to other UPI app accounts, such as PhonePe or Google Pay

Whatsapp allows you to send money to anyone on other payment apps such as PhonePe, Google Pay, Airtel Payments, etc. the below steps will guide you on how to do so.

Step 1: Open your WhatsApp and select Settings

Step 2: Now, click on Payments and select New Payments

Step 3: After this, click on Send To A UPI ID and enter the UPI ID, followed by clicking on verify

Step 4: Once verification is completed, enter the amount you want to send and hit enter

Step 5: Input your UPI ID to complete the payment transaction.

FAQ for Whatsapp Payments?

1. Is Whatsapp Payments safe?

Yes, Whatsapp Payments is end-to-end encrypted to maintain data privacy. Whatsapp also doesn't share any of your bank details and UPI ID with anyone.

2. What is the amount limit for transactions in a day with Whatsapp Pay?

Whatsapp Pay has a maximum limit of 1 lakh rupees per day, allowing users to make 20 UPI transactions in a day.

3. Can I send money Internationally with Whatsapp Pay?

You can send money to any bank or payment platform registered with Whatsapp, whether it's national or international. Whatsapp Payments feature is designed in collaboration with the NPCI or National Payments Corporation Of India. It uses UPI or Unified Payment Interface to support transactions with over 160 banks.


Whatsapp is a one-stop-shop for all your social needs, whether it's about messaging, calling, or payments. With its new WhatsApp payment India feature, you can send and receive money anytime you want without any need to navigate to a separate payments site securely!

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Axel Nash

Axel Nash

staff Editor

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