WhatsApp’s new feature is finally here! After months of speculations that WhatsApp is going to launch peer-to-peer payments in India, the Facebook-owned company has now officially rolled out the feature. Following a beta release earlier this month, the WhatsApp Payments feature has launched in India. The feature will enable WhatsApp users to send and receive money from within the app as the messaging service looks to take on Paytm, Mobikwik and other payments services.

Currently available on for Android users on the latest version 2.18.46, the feature is UPI-based (Unified Payments Interface) and supports several Indian banks including Axis Bank, HDFC Bank, ICICI Bank, State Bank Of India, Yes Bank and Airtel Payments Bank among others. Here’s your quick guide to start using the WhatsApp Payments feature:

How to setup WhatsApp Payments?

  • WhatsApp users on the latest version (2.18.46) can access the Payment option by tapping on the Attachment icon in the text bar or in Settings.
  • You can start the setup process by tapping on the Payment icon. You will first need to accept the Terms and Privacy Policy to continue.
  • In the next step, you will be asked to select your bank that you want to use for sending and receiving money. Several banks like Axis Bank, HDFC Bank, ICICI Bank, State Bank Of India and Yes Bank have been included, while several banks are yet to be listed. If your bank has not been listed yet, you will not be able to use the payments feature. WhatsApp may include more banks in the weeks to come.
  • After selecting a bank, WhatsApp will show you the accounts that have been linked to your phone number. After you select the account, you will be needed to verify the debit/ credit card linked to the account. Note that the WhatsApp number and bank account number should be the same.
  • Next, you will need to set up a UPI PIN if you don’t have one already. You will first receive an OTP on the number after which you will be allowed to set up a six-digit UPI PIN of your choice.
  • Your setup is complete and you will now be able to send and receive payments in WhatsApp.

How to use WhatsApp Payments?

  • Upon completing the setup, users will be able to send and receive money to anyone on their WhatsApp list. However, the other user will also need to have payments setup to be able to send money. Since the feature is currently rolling out on Android, you won’t be able to send money to anyone using WhatsApp for iOS.
  • For send money, first open the chat of the desired contact and then tap on the Payment icon under the Attachment option in the text bar. You can then choose the amount of money you wish to send, which can only be between Re 1 to Rs 5000.
  • After entering the amount, you will need to type in your UPI PIN to complete the transfer. The money will be sent to your contact after processing the payment. You will be notified that the money has been sent when the status shows complete along with two ticks. Similarly, you will receive a notification when you have received a payment from your WhatsApp contact.
  • You should receive a message from your bank via SMS or email regarding the transaction.


Since India is among the first countries to get WhatsApp Payments, it will be interesting to see how the response goes once the rollout is complete. While this feature may offer a more convenient way to send and receive money, it may also invite a lot of fraudulent issues such as spam chain letters duping people into sending money.

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