WhatsApp Payments Based on UPI Rolling Out in India


WhatsApp has reportedly started testing out its UPI-based payments feature in India. The new feature, available for select WhatsApp beta users on iOS and Android, enables users to send and receive money using the Indian government’s Unified Payments Interface (UPI) standard. This feature is said to be available on WhatsApp version 2.18.21 for iOS, and version 2.18.41 for Android.

The Facebook-owned messaging giant is looking to grab a share of the digital payments ecosystem of the nation. It will go up against the likes of Paytm, Flipkart’s Phone Pe and even Google Tez, all of which have adopted UPI to ease the payment process for the citizens of India.

As you can see in the screenshot below, the ‘Payment’ shortcut appears under the attachments list in a chat window.

WhatsApp Payment feature is rolling out in Android and iOS both, You can see the screenshot below

iOS Device:

Android Device:

How to use WhatsApp Payment

1. Open WhatsApp, tap on the three dots at the top right corner and navigate to the Settings > Payments window.

2. Tapping on the payment option will take you to a new window, where you’ll first need to verify your phone number to begin the UPI setup process. Your registered phone number on WhatsApp should be the same as the one used to register for UPI.

3. Once your number is verified, you will be shown a long list of banks. Here, you can go ahead and select the bank and account that you want to link with WhatsApp.

Note: As you can see in the footnotes on this screen, WhatsApp has partnered with ICICI Bank to process UPI payments across the platform.

4. Though it may take some time to process, you’ll see a ‘setup complete’ message on your screen to demarcate that your bank account has been linked and you can now make or receive payments in a conversation itself.