How To Send Receive Money Using WhatsApp WhatsApp Payments feature which is based on UPI has started rolling out in India which will mean that you will be able to send money to your...
2018-02-14T07:35:55Z

How To Send Receive Money Using WhatsApp

WhatsApp Payments feature which is based on UPI has started rolling out in India which will mean that you will be able to send money to your friends and family right from WhatsApp. The most widely used messaging service across globe, started rolling out the UPI-based Payments feature in India to select users last week.

Send and Received Payment Using WhatsApp

WhatsApp’s payment feature is based on the Unified Payment Interface (UPI) platform. The official roll-out for general public is expected to be announced very soon. But if you don’t wish to wait for that long, there’s already a workaround to get the WhatsApp UPI payment feature right away.

So, if one of your friends who already has received the UPI update on their WhatsApp, you can ask them to invite you to seed the feature.

whatsapp payment guide

Note that the feature is only available to the mobile version of the application and not on WhatsApp Web. Also, the payment interface supports UPI services from all major banks. Mobile Number must be register with Bank.

Here’s the step-by-step guide on what you have to do to enable WhatsApp UPI feature on your phone:

Setup WhatsApp UPI Payments


  • Firstly install or Update latest version WhatsApp 
  • Open WhatsApp > Head to Settings 
  • Payments to start setting up the Payments option.
  • On tapping the option, users will be welcomed by a new message saying "Send and receive money securely with UPI" and users need to tap on "Accept and Continue" to start accepting the WhatsApp Payments.
  • Users then will have to verify their phone numbers by choosing "Verify via SMS". It's worth noting that the SMS charges will be applicable.
  • Now Link your Bank account which is linked to your WhatsApp Registered number. Also Set MPIN or UPI Pin using your Bank ATM/Debit Card. (Enter Last 6 Digits and Expiry date of your Debit Card and select MPIN).
  • It will also ask to Create your New UPI, just select any Username for UPI and create it.
  • Done. That's all.

Send Received Money using WhatsApp UPI Payments


Now, how to send money to a friend using Payments feature on WhatsApp. To start sending money, tap on menu in any chat to access Payment option apart from other options like send photo, video, file, contact, or location.

send money to a friend using Payments feature on WhatsApp

  • Users who already have the feature need to go to their friend’s profile on WhatsApp or Choose a WhatsApp contact you want to send your payment.
  • Once there, they simply need to tap the attachment (paper clip-shaped) button.
  • This will prompt them to see the payment option. They need to tap the payment option.
  • Enter amount > Enter the UPI Pin > Money sent.
  • Once the transaction is complete, WhatsApp also notifies the user about the money sent to a contact. You can also keep a track of Payments from within the app, by using the Payment history option in WhatsApp.
  • This will give them an error, saying that their friend doesn’t have WhatsApp UPI feature just yet. But in reality, they have just enabled the WhatsApp UPI feature for their friend.
  • Now, you can go to the settings section within the app where you will see the payment option yourself.
  • You can now invite your friends in a similar fashion.

So this was our guide on How To Send Received Payment Using WhatsApp, I hope the methods given above helped you in sending and receiving money on whatsapp.

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