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Easy guide to making payments using WhatsApp Pay

whatsapp digital payment

In recent times, Whatsapp has been carrying out a lot of activities on how to make payments on their platform. Facebook started testing a new feature that lets you send digital payments from persons to persons using Whatsapp. This has actually kicked off in India.

If tests go well WhatsApp could roll out the feature to users across the globe. The new feature works off a widely-used digital payments system developed by a UPI (consortium of Indian Banks).

This Whatsapp payments feature will allow people to send money to other WhatsApp users, but this exclusive right excludes merchant accounts.

Users can now link their bank account (as seen with Access bank whatsapp banking and the UBA whatsapp banking in use in Nigerian Banks) to their WhatsApp account via Unified Payments Interface (UPI) and begin making payments straight to another user’s bank account through a WhatsApp chat.

Whatsapp P2P was first launched in India as it is their largest market with over 200 million users active daily users.

How to add bank accounts for WhatsApp Payments

(Exclusive to India for now)
  • First go to Settings -> Payments inside WhatsApp.
  • In the Bank Accounts sub-head, select the Add New Account option.
  • Click Accept and Continue if you agree with the terms.
  • Click the Verify via SMS and follow the prompts to send an SMS to start the linking process.
  • On the next screen, select the bank whose account you want to add.
  • If you have an account (or multiple accounts) linked with the number that you just sent the SMS from, you will be presented with your account (or accounts) from that bank.
  • If everything goes smoothly, you will see the UPI Setup Complete screen.

setup whatsapp payment

These steps can be repeated if need be when you want to add multiple bank accounts to WhatsApp. If you have multiple accounts added, you can designate one of them as the primary account (if none is selected, by default the account you added first).

Read Also : Facebook digital currency to power money transfer on Whatsapp

How to send money via WhatsApp Payments

For you to use Whatsapp for payment, you must have setup and activated the necessary settings before this can be effective. WhatsApp payment feature works only if the recipient has setup their bank account within WhatsApp – ensure to send this guide to your friends and family to help them get started!

You can also send money to individual group members in a group chat, provided they have enabled the Payment option within the scope of the app.

Besides, you cannot pay money to verified business accounts (such as springforthevents or any of such business accounts) because the service only for person to person.

Your guide to sending your first (and subsequent) payments via WhatsApp:

  1. Go and open the chat of the WhatsApp contact to whom you want to send money.
  2. On Android device, click the Attach button. If you are on iPhone, select the Plus button.
  3. To send money, just click the Payment option, and enter the amount you want to send. You can also add a note to the message if you want.
  4. To authorise the payment, just enter the UPI PIN of the bank account from which you are trying to send money.
  5. Once the money is sent, the amount (and the text note, if any) will show as a message as part of the conversation.

whatsapp payment plan

Very Important Notice ” WhatsApp will maintain a log of all your transactions – the money you sent and the money you received – using the Payments option under Settings. To check the log, just go to Settings, click on Payments and select the View History option.”


Whatsapp for payment as seen from the above post is for sending and receiving money from person to person and not for business account names. Also it can be seen to be active if both sender and receiver activates it on their mobile devices.

Hence you may need to share this post so as to enable others know how to setup Whatsapp pay and enable transfer of money.

Conclusively, it is now running in India for now and once this test is a success, it will go global and be sure that i will update you about it first hand.


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