How To Use WhatsApp Payment Feature
Digital payments have become big business over the last few years, so it makes sense for WhatsApp to try and break into the market. If the messaging giant can produce a seamless experience that doesn’t take away from its core purpose, then digital wallet and payment apps like Paytm, Google Tez, etc. will have to start looking over their shoulders.
Have you already started sending digital payments using your phone? Would you be happy sending money over WhatsApp? Let us know in the comments below.
The payment option on WhatsApp will not just make transactions easy, but it will also boost the digital payment scene in India. Soon after demonetisation, we witnessed a surge in the demand and implication of digital payment methods. There was a time when PayTm held the monopoly in this sector, but soon after UPI became a reality, many e-payment solutions like Samsung Pay, Tez, BHIM, PhonePe sprung up.
Here’s How To Activate The WhatsApp Payment Feature On Your Phone.
How To Add Bank Accounts For WhatsApp Payments
Here’s how you can add your bank account to WhatsApp and get started with the payments feature:
Go to Settings -> Payments Inside WhatsApp
In the Bank Accounts sub-head, select the Add New Account option.
Tap Accept and Continue if you agree with the terms.
Tap 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.
You can repeat these steps to add multiple bank accounts to WhatsApp. If you have multiple accounts added, you can designate one of them as the primary account (by default the account you added first).
How to send money via WhatsApp Payments
You must remember that the WhatsApp payment feature works only if the recipient has setup their bank account within WhatsApp – 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. Moreover, you cannot pay money to verified business accounts (such as BookMyShow or MakeMyTrip) because the service is only peer-to-peer (i.e. person to person).
Here’s How To Send Your First (And Subsequent) Payments Via WhatsApp:
Open the chat of the WhatsApp contact to whom you want to send money.
On Android, tap the Attach button. If you are on iPhone, select the Plus button.
To send money, just tap on Payment, and enter the amount you want to send. You can also add a note to the message if you want.
To authorise the payment, just enter the UPI PIN of the bank account from which you are trying to send money.
Once the money is sent, the amount (and the text note, if any) will show as a message as part of the conversation.
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