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10 Easy Ways To Use WhatsApp Payment To Send And Receive Money

Last updated on August 6th, 2023 at 07:21 am


WhatsApp payment is finally here, making it possible to send and receive money on the messaging app with ease. This is going to be a huge win for online business owners.

Some time ago, Mark Zuckerberg announced a plan to incorporate Unified Payments Interface (UPI) on WhatsApp in order to facilitate money transfer.

You can setup UPI account within a few seconds and setup a PIN to use on WhatsApp pay (that’s if you’re an Indian resident).


The service has been launched in India. Some users of WhatsApp in India in a forum confirmed that they could send and receive fund using WhatsApp payment.

How Can I Use WhatsApp Payment in My Country?

Be patient, the service is being rolled out in batches to country across the World. For now, it’s operational in India, one of the most populated countries in Asia.

To get started, you have to link your bank account to the service. The phone number must be the one linked to your bank account to be able to use the payment option within WhatsApp.

Here is the guide on how to use WhatsApp Payment to send money to your loved ones and receive money from your customers.

How To Setup Whatsapp Payment Option

Step 1: Open WhatsApp App

Step 2: Select the action overflow menu

Step 3: Click Payments

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Step 4: Click on “Select Add new payment method

Step 5: Select Accept and hit continue to continue with the process of payment

Step 6: A list of banks pops up, from the list choose your bank from the list

Step 7: Verify your phone number. Hit Verify via SMS to authenticate your bank account.

Step 8: Click “Allow” to let WhatsApp verify that the SIM card is the one linked with your account.

Step 9: Tap Allow again for WhatsApp to send texts to authenticate your account. This will allow WhatsApp to verify with your bank and pull up all accounts registered with your number.

Step 10: Select the one you’d like to use to finish setting up payments. Click “Done” to finish setting up WhatsApp Payments.

The above processes let you see the payment method listed in the payments page.

How To Use WhatsApp To Send And Receive Money

You’ve set up WhatsApp pay? Now it’s time to use it to send or receive payment from your loved ones.

Here is how to get that done:

  • Step 1: Select the contact you want to send money to.
  • Step 2: In the conversation window, select the clip icon and choose Payment.
  • Step 3: Type the amount you’d like to send (you can also add a note).
  • Step 4: Enter your UPI PIN and confirm payment.

Once the transaction is completed, you’ll see a confirmation message show up directly in the conversation window.

That’s all.

How successful will WhatsApp Pay Be?

WhatsApp is the leading messaging app in the World, except 25 countries where it isn’t the market leader, according to stats by

With 2 billion active users, WhatsApp Pay is likely to cause a disruption in the mobile payment industry considering its acceptance in countries where the use of mobile payment is huge. For instance Africa.

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WhatsApp Messenger is an American freeware, cross-platform messaging and Voice over IP service owned by Mark Zukerberg’s Facebook, Inc.

The messaging app allows you to send text messages, voice messages, make voice and video calls, and share images, documents, user locations, and other media.

Its voice call has drastically reduced the amount spent on recharge cards. Users prefer to subscribe for let’s say N300 (1G) of data to do video calls and talk for hours with loved ones.

A recharge card of N300 can only last for a few minutes on the conventional voice call with loved ones.

With the new WhatsApp pay, the World awaits what Zukerberg has brought to the table. It’s time for Facebook Inc to fully recoup its investment on the messaging app, isn’t it?

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