WhatsApp Payments feature which is based on UPI has started rolling out in India which will mean that you will be able to send money to your friends and family right from WhatsApp. The most widely used messaging service across globe, started rolling out the UPI-based Payments feature in India to select users last week. The app is already popular with Indian users across different age groups who love to send “good morning” texts to kick start the day and adding the Payments feature just makes more sense for the messaging app.
It was no secret as WhatsApp was reportedly in talks with top Indian banks for months to integrate Unified Payments Interface (UPI). Unlike previously believed, the WhatsApp Payments feature is being rolled out to both Android as well as iOS users simultaneously.
How to send money using WhatsApp payments
The WhatsApp Payments will be limited to peer-to-peer payment and does not offer merchant payment, as of now.
Before getting started with WhatsApp Payments, users will have to note few things like:
- For WhatsApp Payments to work, both sender and receiver should be running the latest WhatsApp version as well as have WhatsApp Payments option enabled.
- Another important fact is WhatsApp number should be same as your mobile number linked to your bank account with UPI option support as well.
WhatsApp users who have already received the feature can head to Settings > Payments to start setting up the Payments option. As of now, WhatsApp Payments is working on an invite basis which means those who have received the Payments feature can activate for others by choosing the option from chat.
Users then will have to verify their phone numbers by choosing “Verify via SMS” and that can be done by tapping on the green coloured send button on the next screen to send a verification SMS from your phone. It’s worth noting that the SMS charges will be applicable.
Once the WhatsApp number has been configured then add your bank from a vast list of over 70 banks. WhatsApp has managed to get all major banks for its new WhatsApp Payments feature on-board which include Axis Bank, HDFC Bank, ICICI Bank, State Bank of India, Yes Bank, Airtel Payments Bank, Allahabad Bank, Andhra Bank, Bank of Baroda, and more.
If you already have UPI option enabled with your bank then you will need to verify with SMS.
New users need not to worry as WhatsApp Payments offers an option to create a UPI account with a pin (much like your ATM pin) for authenticating the payments. This can be done in less than 10 minutes by just following the instructions.
Users need to remember that the WhatsApp number and the mobile number registered with your bank should be same or else you need to get it linked with your bank before proceeding with WhatsApp Payments.