WhatsApp rolls out UPI payments in India: Heres how to use it

The WhatsApp payment service was introduced in 2018 but it was not available to everyone. Just like PayTM or Google Pay, WhatsApp payments let you transfer money using UPI (Unified Payments Interface). The feature is now live to all users in India.

In a blog post, WhatsApp says, “Starting today, people across India will be able to send money through WhatsApp. This secure payments experience makes transferring money just as easy as sending a message. People can safely send money to a family member or share the cost of goods from a distance without having to exchange cash in person or going to a local bank”.

In a video post, Mark Zuckerberg says, “Now you can send money to your friends and family through WhatsApp as easily as sending a message. There’s no fee, and it’s supported by more than 140 banks. And because it’s WhatsApp, it’s secure and private too. Digital payments are really important right now. It’s safer than handing someone cash and eliminates the need from standing in line at the bank. So, you can quickly send money to families and friends that may be miles away across the country”.

UPI payment is supported by 160 banks and if the sender and receiver both have UPI linked bank account, they will be able to send and receive money.

How to send money using WhatsApp

To send money, users need to click on the attachment icon in a chat window. This is the same one used to send contacts, media, location, etc.). 

Here, click on the option called payments. If your contact does not have payments enabled in WhatsApp, you can send them a message to set it up. 

To set up your own payment, go into settings, then payment and follow the onscreen instructions. 

Once you and the receiver have set up payment, you will be able to send money. It’s as simple as sending an attachment. 

If you already have a UPI ID, you will be prompted to enter your UPI pin before the transaction is complete.

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