WhatsApp Pay

WhatsApp Pay launched in India: How to use it

Facebook-owned WhatsApp has finally launched WhatsApp Pay in India. The feature is available both on Android and iOS devices.

The company is testing WhatsApp Pay in India since 2018 but was facing regulatory hurdles to launch the payment service in India. National Payments Corporation of India (NPCI) announced on Thursday, they have grant approval to WhatsApp to launch a payment service in the Indian market.

Image: WhatsApp Pay

WhatsApp Pay will face stiff competition from other payment services including Paytm, Phonepe, Google Pay, and more. It will use a unified Payments Interface (UPI), a real-time payment system supported by over 100 banks in India. WhatsApp started the payment service with a base of 20 million users. It will gradually expand in a phased manner and expected to touch around 400 million users across the country. It has partnered with ICICI Bank, HDFC Bank, Axis Bank, the State Bank of India, and Jio Payments Bank.

How to use WhatsApp Pay

  • Update your WhatsApp with the latest version.
  • Your WhatsApp number should be the same as the number that is registered with your bank account.
  • Add your bank account
  • Then create your UPI Pin
  • Once you enabled the feature, you can tap on the contact to which you want to send the amount
  • Then tap on the attachment icon on Android and + icon on iOS
  • Tapping them will show the payment option
  • Enter the required amount. You can add the comment as well but the comment field is optional
  • Authenticate using UPI pin

How to add your Bank account

  • Tap More options > Settings > Payments > Add new account.
  • Tap Accept and Continue to accept our Payments Terms and Privacy Policy.
  • From the list of banks, tap the name of your bank.
  • Tap Verify via SMS > Allow. If WhatsApp already has permission to make and manage phone calls, you won’t need to grant permission.
  • Tap the bank account you want to add to send and receive payments with WhatsApp.
  • Tap Done.

WhatsApp said, your UPI Pin and bank details all are end-to-end encrypted and neither Facebook nor WhatsApp can see the information. All information is encrypted by software provided by the National Payment Corporation of India. The social messaging app said they won’t use the WhatsApp payment information for commercial purposes.