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Whatsapp Payments: Everything You Need To Know



Whatsapp Payments

Whatsapp is a messenger application that millions of people use. But now they have launched the popular UPI payment system in their app. Through the UPI system, WhatsApp making a challenge to current UPI apps. Their biggest advantage is their huge user base in India. Are you curious about how WhatsApp Payments work? Here’s how we can configure WhatsApp payments and everything you need to know about it.

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Whatsapp Payments?

Whatsapp payment feature is available to select users right now. You must have the latest version of Whatsapp on your mobile. That’s Version 2.18.22 in iPhone and v2.18.41 in Android. First, open any WhatsApp chat window and check for Payments option in Settings. If you have that option, Great you can now access the Whatsapp Payment Feature. We are providing latest apk version link below for Android users

Whatsapp Upi payments

Let’s Get Started

Whatsapp Payments UPI

  1. Open Settings>Payments inside Whatsapp
  2. Now Open Bank Accounts and select the Add New Account Option
  3. Tap Accept and Continue
  4. Click on Verify Via SMS and follow the instructions on the screen                         (NOTE: Same as other UPI apps, You must have bank registered mobile number in your handset)
  5.   Select Your Bank and after SMS  sent you can see your account connected to your selected Bank just Tap on It
  6.  If you have multiple accounts linked to the same number select the accounts you need one by one.


You will have to enable your UPI Account which is linked with your bank account number and that account number will be linked with your mobile number which must be on your mobile obviously. GUIDE is already posted above.

  • After enabling UPI
  • TAP on Attachement>Payment

Whatsapp Send Money

  • Enter the amount of money which you want to send and then write a note if you want ( eg. RENT ..)

And the money will be sent immediately


At a time on WhatsApp, you can send a maximum of 5000RS. You cannot send anything more than 5000 as of now. whereas when it comes to Google Tez it supports payments up to 99,999Rs. So that is the limitation of WhatsApp, Whatsapp may lift the transaction limit in future, But right now it 5000 as of February 2018. When Whatsapp increase the transaction we will update the same here.


Will it stay in my WhatsApp wallet or something like that?

Never. Because when it comes to UPI there is no wallet involved. If I am transferring money to my friend, Money will be transferred from my Bank Account to that person’s Bank Account. WhatsApp will not store any type of payments


It will take 5 to 10 Seconds only. UPI Payments are extremely fast as compared to NEFT Payments which can take a few hours. UPI Payments is we Personally prefer and that is we are using

(UPDATED) How To Link Aadhaar Card With Mobile Number Online


When it comes to any UPI Transaction there is one UPI Pin that will be known only to you. So do not keep UPI Pin as your birthday,123456 or anything of that sort. Don’t choose easy pin at all. Do keep your UPI pin very safe do not message that to someone else. Anyways if someone wants to hack your UPI Payments Application they will need access to your device, sim card. Because a  message will be sent from your device itself and UPI cannot be activated from a device does not have the same SIM Card which the Bank Account is linked. So UPI Payments is completely safe. Just make sure that you keep your UPI Pin something which is a little bit awkward and very difficult.

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When it comes to setting up UPI you have to select your bank. Nationalised Banks such as SBI, HDFC, ICICI all these banks are listed also many small banks are also listed over there but when it comes to some urban banks like Grameen bank they may not be listed on the UPI payments. Unfortunately, if the Bank is not listed, You Won’t be able to use the UPI feature in any Application. But Majority of good banks are present over there

If you still have any more doubts, issues, or queries regarding WhatsApp payments which I not mentioned in this article. Do let me know that in the comment section below I will try my best to answer your question

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1 Comment

1 Comment

  1. Pdn Sanam

    July 26, 2019 at 1:33 pm

    It is a nice post, Thank you for providing important information. I have read the post and it’s very useful to me. Thank you

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