How to Send Money By Using WhatsApp Payment Feature
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WhatsApp Payment feature is finally live in India. Backed by Unified Payments Interface (UPI), the WhatsApp Payment feature is available for both Android and iOS. With this, you will now be able to send and receive directly to your bank account (p2p). However, you will not be able to pay to merchants as of now. To do so, you will have to add the shopkeeper as a contact and then follow the steps to send money like you will do for any other WhatsApp friend of yours.
You don’t have the feature yet? Here’s how you can get it
First Update WhatsApp and get the latest version 2.18. Note that you will not get this feature just by updating the app. You would need someone, who has already got WhatsApp Payment feature, to message you. After that, just relaunch WhatsApp and the feature will automatically show up. While the feature is already tested to be available for both iOS and Android, note that it might take some time for everyone to get it.
Go to settings and tap on “Payments”. Add your bank account by going to the “Add New Bank Account” tab. Note that the payments will work with only that mobile number which is registered with your bank. Note, you will not have the option to add and link new mobile number to your bank account through WhatsApp.
After this, just accept the terms and conditions and verify your mobile number. Once, your mobile number is verified by WhatsApp UPI platform, the list of bank accounts linked to that particular mobile number will automatically show up. Choose your preferred bank account to enter other details of the debit card to create a Virtual Payee Address (VPA). The process is similar to activating BHIM app. All major banks are supported.
To send money to your friend or family. here are the steps to send money.
Step 1: First check that the WhatsApp Payments feature is activated to his/her WhatsApp account.
Step 4: Then you see the Terms & Conditions page. Accept terms & condition,
Step 5: Then they will ask you for a phone number for the verification. Provide the number that is linked to your bank account. The verification will happen over SMS.
Step 6: Once verified, WhatsApp will ask you names of banks linked to UPI. then choose the bank, you will get the details of the account linked to your phone number. For security purposes, the entire account number will not be displayed. Typically, you would see the bank name and last four digits of your bank account displayed. If you have multiple accounts with the same bank, all of them will be shown. Choose the one you want to link to the app.
Step 7: Next, verify your debit card details, using the last six digits of your debit card and its expiry date.
Step 9: After you create and confirm the PIN, you get a message that your UPI set-up is complete. You get a confirmation via SMS. Now, your Payments screen under the Settings option will display the bank details linked to payment. You can then start sending and receiving money.
Step 10: Then go to the payment option.Enter the details of your friend or relative like AC number, full name, IFC number, etc..Enter the amount you need to transfer. click on Submit button that’s your Transaction is completed Successfully.
The feature works in a group chat as well and you can choose a particular member in a group chat to send money. Don’t worry, if you are not sure whether the other party has WhatsApp Payments Feature activated for not. The app will alert you to that.
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