Send & Receive Money With WhatsApp Payment Feature In India

WhatsApp Payment Feature

The most widely used messaging platform WhatsApp has officially rolled out the WhatsApp payment feature in India. The new Whatsapp payment feature will allow users to make UPI transfers from one account to another via the app.

The feature was only available for use for select users in its beta testing phase, but now, after receiving the approval from the National Payments Corporation on India (NPCI). NPCI also added that a 30 percent cap will be applied on total payment volumes via every third party payments app from 1 January 2021.

The Facebook owned messaging app owner CEO Mark Zuckerberg said, ““I am excited today that WhatsApp has been approved to launch payments across India. Now you can send money to your friends and family through WhatsApp as easily as sending a message. There’s no fee and it’s supported by more than 140 banks. And because it’s WhatsApp, it’s secure and private, too.” 

Read: How To Retrieve Deleted WhatsApp Messages?

How To Make Transfer Using WhatsApp Payment Feature in India?

WhatsApp Payment

To initiate payment via the WhatsApp payment feature, a user will need to have a registered bank account and a debit card. To make a transaction, it will also be important to have a valid 4-digit UPI pin to make transactions. Follow these simple steps to activate the WhatsApp payment feature:

  • Ensure your smartphone has the latest version of WhatsApp (
  • Go to the three-dot menu on the top-right corner and select Payment
  • Carefully verify your mobile number to link with your bank account
  • Once the registered bank account is updated, go to the chat window
  • Pay another user using the message interface by putting in 4-digit PIN as the password

The advantage of WhatsApp Payments is that it will not allow you to send money to WhatsApp contacts but also to people who are not registered with WhatsApp Pay. As per WhatsApp, there will be no extra charge for the transaction, however, you will be able to make a limited number of transactions in a day (10 or as per UPI guidelines). However, Facebook-owned messaging app has also clarified in its terms and conditions section that it will not be liable for any payment mishaps. The official blog post by WharsApp stated, “We’re delighted to be working with five leading banks in India: ICICI Bank, HDFC Bank, Axis Bank, the State Bank of India, and Jio Payments Bank. People can send money on WhatsApp to anyone using a UPI supported app.”

Also Read: Is WhatsApp End To End Encryption Really So Fool Proof?

PS: Please don’t worry of you are not able to see the WhatsApp payments option in your app as it is being rolled out in a phased manner and will surely reach you soon.