How to use Whatsapp Payments in India

Here is How to set up WhatsApp payments to send and receive money in India. Follow this simple guide to get started

Whatsapp started rolling out new Whatsapp payments in India via UPI. The new Payments feature from Whatsapp lets you pay and receive money directly from the app itself. To use WhatsApp payments in India follow this simple guide on How to set up WhatsApp payments to send and receive money

How to set up WhatsApp payments to send and receive money

  1. Open WhatsApp 
  2. Select three vertical dots on the top right corner
  3. Select Payments
  4. Select Add new payment method.
  5. Select Accept and continue to get started.

Adding your bank account

  1. From the list of banks, tap the name of your bank.
  2. Tap Verify via SMS > Allow. If WhatsApp already has permission to make and manage phone calls, you won’t need to grant permission.
  3. Tap the bank account you want to add to send and receive payments with WhatsApp.
  4. Tap Done.


  • To send money, you will also need to verify the last 6 digits of your debit card and the expiration date.
  • You will only have to accept the Payments Terms and Privacy Policy during your initial bank set up.
  • If you don’t see your bank listed, it may not be supported.

How to Send money on Whatsapp Payments

  1. Open the chat with whom you’d like to send money > tap Attach > Payment.
  2. Tap Continue to verify your debit card information.
  3. Enter the last 6 digits of your debit card number and expiration date > tap Done > Set Up UPI PIN.
  4. The OTP (One Time Password) may be pre-filled. If not, an SMS containing the OTP may be sent to your phone. Type the OTP under entering OTP. To send another OTP to your phone, tap Resend OTP.
  5. Create a UPI (Unified Payment Interface) PIN (Personal Identification Number) and enter it under SETUP UPI PIN > tap Submit.
  6. Once UPI Setup is complete, tap Done.
  7. Open the chat with whom you’d like to send money > tap Attach> Payment.
  8. Enter the rupee amount you’d like to send.
  9. Enter a description for the payment > tap Send.

How to receive money on Whatsapp Payments

  1. Tap Accept Payment.
  2. Tap Accept and Continue and accept terms and conditions
  3. Tap Verify via SMS.
  4. From the list of banks, tap the name of your bank.
  5. A list of bank accounts associated with your phone number will be listed. Tap the bank account you want to add to WhatsApp.
  6. Tap Done.

Frequently asked Questions

Who does WhatsApp send information to?

According to Whatsapp When you make a payment, WhatsApp creates the necessary connection between the sender and recipient of the payment, using Facebook infrastructure. We pass the transaction information to the bank partner, which is called a PSP (payment service provider), and to NPCI (National Payment Corporation of India), so they can facilitate the movement of funds between the sender’s and receiver’s bank accounts. Facebook does not use WhatsApp payment information for commercial purposes, it simply helps pass the necessary payment information to the bank partner and NPCI. In some cases, we may share limited data to help provide customer support to you or keep payments safe and secure.

Does WhatsApp have my UPI PIN?

According to Whatsapp,when you make a payment, WhatsApp sends the encrypted UPI PIN to our bank partners, which are called payment service providers. WhatsApp cannot see and does not store the UPI PIN, which is encrypted by software provided by National Payment Corporation of India. Nor does WhatsApp store other sensitive payment information such as your one-time password (OTP), account number or full debit card details.

Contact hasn’t received the payment

Whatsapp says It can take up to 4 business days for the transfer to complete. To get more information on the status of your payment, contact WhatsApp support. To contact support, tap the payment message > Help.

Unable to add bank account

If you can’t find your bank in the list, make sure your bank supports UPI and also Your WhatsApp number and the phone number linked to your bank account is the same. If not, contact your bank.

Unable to send payment

You won’t be able to send money if your contact doesn’t have payments enabled.

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