How to use WhatsApp for Digital Transaction

WhatsApp Payments is in beta stage currently working Indian users to send and receive digital transaction through WhatsApp.

Take a look at how to send and receive money simple with WhatsApp Payments.

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Prerequisites for WhatsApp Payments

  • You require WhatsApp activated on you any smartphone.
  • You require an Indian Mobile contact number with which WhatsApp is activated
  • You require an active Indian bank account that supports UPI (Unified payment interface).
  • You require the mobile phone number (associated with Whatsapp) to be linked to the bank account

How to add a bank account to Whatsapp payments

Tap Settings > Payments > Add New Account.

Tap Accept and Continue to accept our Payments Terms and Privacy Policy.

Tap Verify via SMS.

A pre-filled SMS with a verification code will open up on your phone.

Tap Send button to send this message and verify your account. Don’t make any edits to the content of this message.

From the list of banks, tap the name of your bank.

Tap the bank account you want to add to send and receive payments with WhatsApp.

Tap Done.


For the digital transaction, you will also need to verify the last 6 digits of your debit card and the expiration date.

You will only have to accept the Payments Terms and Privacy Policy during your initial bank set up.

If you don’t see your bank listed, it may not be supported.

if you don’t find payment option in settings

If you can’t find the payments option, don’t worry. The easy fix will be to just find someone who’s activated the payments feature and get them to try and send you money.

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