Home News How to Make UPI Payments with WhatsApp: A Comprehensive Guide

How to Make UPI Payments with WhatsApp: A Comprehensive Guide

How to Make UPI Payments with WhatsApp

WhatsApp has integrated the convenience of UPI (Unified Payments Interface) payments, allowing users in India to send and receive money directly through the app. This guide provides a detailed overview of setting up and using WhatsApp Pay for UPI transactions.

Setting Up WhatsApp Pay

To begin using WhatsApp Pay, ensure that your WhatsApp application is updated to the latest version available on the Play Store or App Store. The phone number registered with WhatsApp should match the one linked to your bank account for seamless verification.

  1. Starting the Setup: Open WhatsApp and navigate to the three dots on the top right corner to access the menu.
  2. Accessing Payments: Select ‘Payments’ from the menu options. This feature should be visible if your account has access to WhatsApp Pay.
  3. Adding a Payment Method: Tap on ‘Add Payment Method’. Here, you can link your bank account to WhatsApp by selecting your bank from the provided list.
  4. Verifying Your Account: Verify your phone number and bank details as prompted. You may need to enter the last six digits of your debit card and its expiration date for verification.
  5. Setting UPI PIN: If you haven’t set up a UPI PIN before, you will be prompted to create one. If you already have a UPI PIN, you will need to enter it to link your bank account successfully.

Making Payments via WhatsApp Pay

Once your account setup is complete, making payments is as straightforward as sending a message.

  1. Initiating a Payment: Open a chat with the contact you want to pay. Tap the attachment icon above the keyboard, and select ‘Payment’.
  2. Entering the Amount: Type in the amount you wish to send.
  3. Authorizing the Transaction: Confirm the payment by entering your UPI PIN. The transaction will then be processed instantly.

Receiving Payments

Receiving money through WhatsApp Pay follows a similar process. Ensure that your account is set up for receiving payments, which typically involves accepting the terms and conditions the first time you use this feature.

Safety and Security

WhatsApp Pay is designed with security in mind. Your UPI PIN is not stored on WhatsApp, and the data complies with RBI guidelines to ensure safe transactions.


  • Availability: WhatsApp Pay is available to users whose banks support UPI, a feature available for over 160 banks in India.
  • KYC Requirements: There is no need for separate KYC for using WhatsApp Pay as it is not a wallet but a direct bank-to-bank transaction service.

WhatsApp Pay leverages the widespread use of WhatsApp in India to provide a convenient, secure, and quick way to handle transactions directly from your chat window. It simplifies payments without needing to switch between different apps, making it an efficient tool for UPI-based transactions.


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