In today’s fast-paced digital world, sending money should be as simple as sending a text. With WhatsApp Payments, that’s now a reality! Whether you’re splitting the dinner bill or receiving payment for freelance work, WhatsApp makes transactions quick, safe, and hassle-free — all within the app you already use daily.

In this complete guide, we’ll walk you through how to send and receive money using WhatsApp on both Android and iOS, with detailed screenshots, tips, and security advice. 🔐

✅ Table of Contents

1. What is WhatsApp Payments?
2. Is WhatsApp UPI Safe to Use?
3. Requirements to Use WhatsApp Payments
4. How to Set Up WhatsApp Payments on Android & iOS
5. How to Send Money on WhatsApp
6. How to Receive Money on WhatsApp
7. Troubleshooting Tips
8. Final Thoughts

📲 What is WhatsApp Payments?

WhatsApp Payments is a built-in UPI-based money transfer feature powered by National Payments Corporation of India (NPCI). It allows users to send or receive money directly from their linked bank accounts using UPI (Unified Payments Interface) — no extra app needed.

Unlike traditional banking apps, you don’t need to remember account numbers, IFSC codes, or worry about long waits. All you need is a contact on WhatsApp.

🔐 Is WhatsApp UPI Safe to Use?

Yes, WhatsApp Payments is 100% secure. It uses India’s UPI infrastructure regulated by the Reserve Bank of India (RBI) and encrypted end-to-end communication for safe transactions. WhatsApp partners with leading banks like ICICI, HDFC, SBI, and Axis to facilitate these payments.

🛠️ Requirements to Use WhatsApp Payments

Before we dive in, ensure you have the following:

• A WhatsApp account (latest version)
• A valid Indian mobile number linked to your bank account
• A bank account that supports UPI (most Indian banks do)
• An active debit card (for UPI setup)
• Internet connection (mobile data or Wi-Fi)

🧾 How to Set Up WhatsApp Payments (Android & iOS)

Step 1: Open WhatsApp

Launch the latest version of WhatsApp on your Android or iPhone.

Step 2: Go to Settings

• Tap the three-dot menu (Android) or bottom-right Settings icon (iOS).
• Select ‘Payments’.

Step 3: Add a Payment Method

• Tap ‘Add Payment Method’.
• Select your bank name from the list.
• WhatsApp will fetch your account linked to the phone number.

Step 4: Verify Your Mobile Number

• Allow SMS permissions.
• WhatsApp will automatically send an SMS to verify your number.
• Once verified, your UPI account is linked.

Step 5: Set UPI PIN

• If you don’t have a UPI PIN yet, you’ll be asked to create one.
• Enter your debit card details (last 6 digits and expiry date).
• Create a 4- or 6-digit UPI PIN. Done!

💵 How to Send Money on WhatsApp

Method 1: From Chat Window

1. Open the Chat of the contact you want to send money to.
2. Tap the ₹ icon (or Attach > Payment).
3. Enter the amount and an optional note.
4. Tap Send and enter your UPI PIN.
5. You’ll receive a confirmation instantly!

✅ Pro Tip: You can also scan a QR code or use UPI ID to pay if the person isn’t in your contacts.

💰 How to Receive Money on WhatsApp

You don’t have to do anything special to receive money.

Method 1: Direct Transfer

• If someone sends you money on WhatsApp, you’ll get a notification in your chat.
• Tap the notification to check your transaction history.

Method 2: Request Payment

1. Go to the contact chat.
2. Tap ‘₹’ > Request Payment.
3. Enter the amount and tap Request.
4. The person gets a prompt to send you the money.

✅ Note: You can also request payment using your UPI ID or share your QR code directly.

🛠️ Common Troubleshooting Tips

Issue 1: Payment failed?

• Check your internet connection.
• Make sure your bank supports UPI.
• Re-enter your UPI PIN correctly.

Issue 2: Can’t see ‘Payments’ in WhatsApp?

• Update WhatsApp from Play Store / App Store.
• Payments may not be available to business accounts.

Issue 3: SMS verification not working?

• Ensure SIM is in the primary slot.
• You have enough SMS balance.
• Grant all required permissions to WhatsApp.

🔄 WhatsApp UPI Transaction Limits (India 2025)

✅ Final Thoughts: Why Use WhatsApp Payments?

WhatsApp has over 500 million users in India, and its payments feature offers:

• Ease of use
• Real-time money transfer
• No additional app or login required
• Secure transactions backed by Indian banks

Whether you’re paying rent, groceries, or splitting a cab fare — WhatsApp Payments is the future of personal digital payments in India.

Related articles :

1. Best UPI Apps in India

• 2. Google Pay vs PhonePe vs WhatsApp Pay