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WhatsApp Payments Rolling Out in India: How to Get Started With the UPI Based Service

WhatsApp Payments Rolling Out in India: How to Get Started With the UPI-Based Service 183l5y

By Gadgets 360 Staff | Updated: 12 February 2018 21:47 IST

WhatsApp-based payments cannot be made for verified s on the messaging app 5q2d4b

Highlights

WhatsApp payments can be found upon tapping Attachment
The service is based on top of the popular UPI interface
Money is deducted directly from the 's bank

ment

UPI, the money will go straight to your bank , eliminating the need of mobile wallets and other similar financial instruments. Not sure how WhatsApp payments work? Here’s everything you need to know to get started.

How to get WhatsApp Payments right now r16w

Like we said earlier, the WhatsApp payments feature is rolling out to select s in India right now. First, make sure you are running the latest version of the app - as of filing this report, that’s v2.18.41 on Android and iPhone v2.18.22. Open any WhatsApp chat and see if you see the new Payments sub-head under Settings. If you do, great, you now have access to WhatsApp’s UPI-based payments feature. If not, you have no other option but to wait.

How to add bank s for WhatsApp Payments 5b376i

Here’s how you can add your bank to WhatsApp and get started with the payments feature:

Go to Settings -> Payments inside WhatsApp.
In the Bank s sub-head, select the Add New option.
Tap Accept and Continue if you agree with the .
Tap the via SMS and follow the prompts to send an SMS to start the linking process.
On the next screen, select the bank whose you want to add.
If you have an (or multiple s) linked with the number that you just sent the SMS from, you will be presented with your (or s) from that bank.
If everything goes smoothly, you will see the UPI Setup Complete screen.

You can repeat these steps to add multiple bank s to WhatsApp. If you have multiple s added, you can designate one of them as the primary (by default the you added first).

How to send money via WhatsApp Payments 3l2u64

You must that the WhatsApp payment feature works only if the recipient has setup their bank within WhatsApp - send this guide to your friends and family to help them get started! You can also send money to individual group in a group chat, provided they have enabled the Payment option. Moreover, you cannot pay money to verified business s (such as BookMyShow or MakeMyTrip) because the service is only peer-to-peer (i.e. person to person).

Here’s how to send your first (and subsequent) payments via WhatsApp:

Open the chat of the WhatsApp to whom you want to send money.
On Android, tap the Attach button. If you are on iPhone, select the Plus button.
To send money, just tap on Payment, and enter the amount you want to send. You can also add a note to the message if you want.
To authorise the payment, just enter the UPI PIN of the bank from which you are trying to send money.
Once the money is sent, the amount (and the text note, if any) will show as a message as part of the conversation.

The WhatsApp Payments option can be found under Attachments in chats

As you can see above, the process is quite simple and takes only a few taps to complete. If you want to switch between s, you just need to tap on the bank while sending money and you will see the list of linked s to switch between.

WhatsApp will maintain a log of all your transactions - the money you sent and the money you received - using the Payments option under Settings. To check the log, just go to Settings, tap on Payments and select the View History option.

This is WhatsApp's first attempt on the digital payments front, which has been dominated by Paytm's Inbox, and the numerous UPI services managed by banks themselves have made it pretty easy to transfer money to one another.

Disclosure: Paytm's parent company One97 is an investor in Gadgets 360.

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