WhatsApp payment feature was recently released for Indian users. It uses UPI to transfer funds between two contacts. Users can now link their bank account to their WhatsApp account via Unified Payments Interface (UPI) and begin making payments straight to another user’s bank account through a WhatsApp chat.

Remember that this feature is currently under testing and the procedure might change from time to time. Let’s see how you can setup and start sending and receiving the payment.


  • Users mobile number registered with bank and WhatsApp should be the same.
  • For sending money, the receiver must also have WhatsApp payment enabled
  • Users must have 4 digit UPI PIN for their respective bank account(s).

Step 1: Setting up WhatsApp Payment

  1. Open WhatsApp
  2. Click on the three dots at top right and go to Settings
  3. Now tap on Payments
  4. Select “Add New Account”
  5. Choose your bank in which you have your account.
  6. WhatsApp will now verify your mobile number with the bank
  7. A list of accounts will be shown, tap on the account you want to add
  8. Viola!! Now you can start accepting and sending payments.(Check screenshots for step by step visual representation)

Step 2: Sending money

  1. Select a contact to whom you wish to send payment
  2. Tap on attach file at the bottom and select “Payment” from the grid
  3. Select bank account and enter the amount
  4. Optionally, add some notes.
  5. Press enter and WhatsApp will redirect you to UPI Gateway where you have to enter 4 digit UPI PIN.
  6. A confirmation message will now be generated and displayed in the chat.(Check screenshots for step by step visual representation)

The receiver will get the funds within few minutes. For receiving money, users don’t need to do any actions. But yeah, their WhatsApp must support WhatsApp payment. Also UPI should be enabled for bank account.

Found this guide useful? Make sure you share it with your friends and make them aware of this cool feature. What tutorial would you like to see from us? Let us know in the comments

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