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This is how you can make payments through WhatsApp

The US company Facebook launched a digital payments feature to its WhatsApp messaging service on Monday, starting in Brazil but with a view to expanding worldwide.

WhatsApp users in Brazil will now be able to use the encrypted mobile messaging service to send money or make purchases, Facebook said in a blog post.

The new service is not only useful for sending money to family and friends, but in India it can also be used to buy in some small businesses that already offer their services in the messaging app.

This is what payments made through WhatsApp will look like, according to a photo posted by Mark Zuckerberg, creator of Facebook. Photo: Mark Zuckerberg's Facebook.

Facebook sees the long-term potential to make money by making its social media and messaging apps places for businesses to engage in online conversations and transactions with customers.

"The more than 10 million small and micro enterprises are the heart of the communities of Brazil," said WhatsApp.

Digital payments on WhatsApp will be tied to Visa or MasterCard credit or debit cards issued by certain banks, and transactions will require special six-digit identification codes or fingerprint verification.

Payments made through Facebook Pay are processed by partner companies, such as PayPal in the United States, or Cielo in the case of WhatsApp in Brazil.

WhatsApp Pay isn’t available for all users in India. WhatsApp beta users will most likely have the feature on their app. To start using the service, a WhatsApp Pay user needs to initiate a payment to a contact. Once the request is received, the user can set up their UPI account on WhatsApp. Users can then send and receive money on WhatsApp itself

The objective of transactions through WhatsApp not only improves the possibility of being able to send the amount we want to someone but also avoids contact between people as part of the strategy to stop the spread of covid-19.

An active account at an Indian bank that supports UPI (Unified Payment Interface). The primary phone number associated with this bank account must match the phone number of your WhatsApp account.

Then use the steps that we have shared with you


  • Tap More options (three dots) > Settings Payments Add new account.
  • Tap Accept and Continue to accept WhatsApp Payments Terms and Privacy Policy.
  • From the list of banks, tap the name of your bank.
  • Tap Verify via SMS > Allow. If WhatsApp already has permission to make and manage phone calls, you won't need to grant permission.
  • Tap the bank account you want to add to send and receive payments with WhatsApp.
  • Tap Done.


Sending money through WhatsApp is very simple. Once you add your Bank account then everything will be very easy and fast. To do this, do these steps:

  • Open the chat with whom you'd like to send money > tap Attach > Payment.
  • Tap Continue to verify your debit card information.
  • Enter the last 6 digits of your debit card number and expiration date > tap Done > Set Up UPI PIN.
  • The OTP (One Time Password) may be pre-filled. If not, an SMS containing the OTP may be sent to your phone. Type the OTP under ENTER OTP. To send another OTP to your phone, tap Resend OTP.
  • Create a UPI (Unified Payment Interface) PIN (Personal Identification Number) and enter it under SETUP UPI PIN > tap Submit.
  • Once UPI Setup is complete, tap Done.
  • Open the chat with whom you'd like to send money > tap Attach > Payment.
  • Enter the rupee amount you'd like to send.
  • Enter a description for the payment > tap Send.

You will see a confirmation message appear directly in the chat window once the transaction is done.

Source: WhatsApp Blog, Internet

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