Earlier this week, WhatsApp started rolling out its long-awaited digital payment service in India with limited beta users on Android and iOS platforms. Now, the company has rolled out the feature for everyone on both the platforms.

"WhatsApp payments in India"

The WhatsApp Payments service has been built in partnership with NPCI (National Payments Corporation of India), and it is based on UPI (Unified Payments Interface) payments service. It supports over 70 banks, like HDFC, Axis, ICICI, SBI, Yes Bank, Allahabad Bank, Punjab National Bank, etc. Paytm Payments Bank and Airtel Payments Bank are also on the list.

How to send money using WhatsApp Payments:

Here we can see how to use WhatsApp Payments to send money. Before that, you need to remember that both the sender and receiver need to have the WhatsApp Payments option enabled for a transaction to be made, and also your WhatsApp number needs to be linked to your Bank account.

Step 1: Go to Settings > Payments to set up WhatsApp Payments or Go to a contact and click the Attachment icon next to the text field and select payments option. (This doesn’t work if your friend doesn’t have Payments set up)

"WhatsApp Payments step 1"

Step 2: Now Accept the terms, Verify your phone number and Click Done. Now the Setup is Complete

"WhatsApp Payments step 2"

Step 3: Add your Bank account from the list. If you don’t have UPI account, you will be asked to create one along with security pin for authentication. If you already have one, you will just need to verify it with SMS (costs apply). Your mobile number that you are using on WhatsApp must be linked to your bank, otherwise you have to contact your bank to link your number.

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"WhatsApp Payments step 3"

Step 4: Select the person you want to send money, select the account which you want to send the money from (if you have more than one), Enter the UPI PIN and the transfer will be over in seconds, and the amount should reach your friend’s bank account.

"WhatsApp Payments step 4"

Step 5: You can view details about the completed transaction by clicking it within the chat. You will also get a transaction id. The help option lets you raise any complaints regarding the transaction. You can view the payment history from the settings and also change the UPI PIN or remove the bank account anytime by clicking the respective bank account.

"WhatsApp Payments step 5"

The WhatsApp Payments feature is rolling out gradually and should roll out to everyone in the coming weeks.

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