Gpay or PhonePe not working? How to send money with WhatsApp

WhatsApp allows UPI payments via phone numbers or by scanning QR codes. Users can also send money to their contacts simply by sending chat messages without downloading any additional app.

Divya Bhati

New Delhi,UPDATED: December 21, 2022 1:23 PM IST

By Divya Bhati: Unified Payments Interface (UPI) is becoming the primary means of payment for all small and large transactions. From buying vegetables from street vendors to paying utility bills to booking travel tickets. UPI has literally taken over cash and cards. UPI apps like Google Pay, PhonePe, and Paytm not only offer hassle-free money transfers, they are secure and offer a range of other features like monthly payment tracking. But what if those traditional apps drop you at the last minute due to low server? Or you can’t pay because your app needs an update, but it can’t be done on mobile data? Well, there is another app that you can use to initiate UPI payments, and that too without downloading the app. Because the app we are talking about is already installed on your mobile phone. We are referring to WhatsApp’s UPI transmission feature called WhatsApp Payments.

The WhatsApp UPI payment feature was introduced a few months ago and allows users to transfer money just as conveniently as sending a message. So you can easily send money to a mobile number or by scanning a QR code without downloading an app. Here is the step-by-step guide to set up payments on WhatsApp in the chat interface window.

How to improve WhatsApp Payments

Step 1 Open WhatsApp app on your Android or iOS smartphone.

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Step 2: Now open the chat of the person you want to transfer money to. You can also tap Payments directly by tapping the three dots in the top right corner.

Step 3: Now tap on “Add payment method” and then on “Add bank account”.

Step 4: Select the bank where you have a savings account.

Step 5: Next, you need to verify your phone number. In particular, you should have your registered mobile number on your phone. If you have the registered mobile number which is the same as WhatsApp number, WhatsApp will verify it automatically.

Step 6: Now add your bank account details.

Step 7: Allow WhatsApp to send and receive money through a registered mobile number.

Step 7: Click Next. Now your bank is connected to processing UPI payments through WhatsApp.

How to send money with WhatsApp UPI Payments

Step 1: Open the chat of the contact you want to send money to or open Payments directly from the three dots button.

Step 2: Choose payment with a number or QR code.

Step 3: Now enter the amount you want to send.

Step 4: Enter your UPI pin set for the registered bank and click Submit Payment.

You can also check your payment status yourself in the chat and track the transactions in the chat. WhatsApp also offers a wide range of stickers and backgrounds to customize and make payments more fun. To add these stickers and backgrounds, just tap on the “Stickers” icon.