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WhatsApp Payments live in India, here is how to use it?


After 2 years, finally the WhatsApp payment is live in India. The National Payments Corporation of India (NPCI) approved WhatsApp payments last week, allowing people make and receive payments via the app.  The app allows the users to do transaction with 160 banks. All the transactions will be done via UPI (Unified Payment Interface).

The following things are mandatory to use the WhatsApp payment in India.
1. WhatsApp users must have an active bank account in India that supports UPI and debit card.
2. The primary phone number linked with this bank account must match their WhatsApp-linked phone number.

Users need to add their bank account on WhatsApp by going to settings and then to payments to add a new account. 

The user can select the bank from the dropdown list and then chose the bank account which they want to use for the transaction.

To transfer funds, users have to open chat with the person they want to send money to, and tap on attachment icon and choose payment. They need to verify their debit card details by entering the last 6 digits of their debit card number and expiration date, and tap done. Users then need to create a UPI PIN, enter it under SETUP UPI PIN and tap Submit. Once UPI Setup is complete, they can tap Done.

From the chat section, the user can send money to the other user. Then the user can navigate to the attachment section and click on the payment to make the transaction. 

Note: Users will not be able to send money if the recipient contact does not have WhatsApp payment enabled on their device.


If you have not received the WhatsApp Payments feature despite updating the app, you need to look for someone who has the Payments feature enabled on their phones.

— Ask the user with a payment feature to send you a “payment notification” in your chat. A payment notification can be sent by tapping on Payments in the chat sharing options

— When you receive a payment notification from the contact, WhatsApp will ask you to set up your payment account.


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