Imagine if you could send and receive money simply through WhatsApp, without installing a separate app and that too in a completely secure way?
This feature is WhatsApp Payment. Many people know the name, but how it actually works, what documents are required, how secure it is, and how to send money—all of this remains unclear.
In this post, you’ll learn about WhatsApp Payment in simple terms:
- What it is
- How it works
- How to set it up
- How to send money
- How much security is there
- What is the limit
What is WhatsApp Payment?
WhatsApp Payment is a Unified Payments Interface (UPI)-based feature that allows users to send and receive money directly from their bank account within a WhatsApp chat.
In simple terms:
WhatsApp Payment = WhatsApp + UPI Money Transfer
(Just like PhonePe, GPay, and Paytm, WhatsApp also works)
WhatsApp Pay is approved by NPCI in India, so it is completely secure and operates in accordance with government regulations.
How Does WhatsApp Payment Work?
WhatsApp Payment uses the UPI system.
UPI = Your Bank + Your Mobile Number + Your UPI PIN
When you set up a payment on WhatsApp:
- WhatsApp verifies your mobile number with your bank
- Creates your UPI ID (e.g., name@wa)
- You set a UPI PIN
- Now you can send money to anyone in your chat.
No wallet, no recharge – direct bank-to-bank transfer.
How to Set Up WhatsApp Payment? (Step-by-Step Guide)
Follow these easy steps:
1. Open WhatsApp
The latest version is required.
2. Go to Settings
Triple dots at the top → Settings → Payments
3. Click “Add Payment Method”
4. Select your bank
The bank account you want to send/receive money from.
5. Mobile number will be verified.
The SIM card number used to access WhatsApp must be the same one registered with the bank.
6. Your UPI ID will be created.
Example:
kundan@wa
yourname@wa
7. Set a UPI PIN.
That’s it! Your WhatsApp payment is ready.
How to send money on WhatsApp?
This is the easiest way.
Steps:
1. Open a contact’s chat on WhatsApp.
2. ₹ (rupee icon) will appear below.
3. Enter the UPI PIN.
4. Enter the amount.
5. Payment sent.
You can also select the payment option from the “Attach” button.
Is WhatsApp Payment Safe?
Yes WhatsApp Pay is completely safe and secure.
- Approved by NPCI
- Complies with RBI regulations
- Same security as GPay/PhonePe
- No payment can be made without a password/UPI PIN.
- WhatsApp cannot see your bank details.
Your money and your PIN remain with your bank.
WhatsApp Payment Limits
According to NPCI regulations:
You can transfer up to ₹1,00,000 (1 lakh) per day.
Limited transactions are allowed per day (approximately 10–15).
Limits may vary depending on the bank.
Benefits of WhatsApp Payment
1. No extra app needed
WhatsApp itself becomes your payment app.
2. Faster than any UPI app
Send money within the chat → faster
3. Zero charges
UPI payments are always free.
4. Secure & trusted
Follows NPCI + RBI guidelines.
5. Business-friendly
Ideal for shopkeepers, sellers, and small businesses.
FAQ Section
1. In which countries is WhatsApp Pay available?
Mainly available in India and Brazil.
2. Will WhatsApp Payments work without internet?
No, internet is required for UPI transactions.
3. Is WhatsApp Payment like PhonePe/GPay?
Yes, it runs on the same system (UPI).
4. Does WhatsApp store money in my bank account?
No, WhatsApp is not a wallet.
Money goes directly from bank to bank.
5. Will payments be safe if I lose my phone?
Yes, because no one can make payments without a UPI PIN.
Final Conclusion
WhatsApp Payments is a simple, fast, and secure UPI-based payment system that lets you send and receive money within WhatsApp chats without a separate app. It’s completely secure and takes just 1–2 minutes to get started.
If you use WhatsApp daily, this could be the easiest payment method for you.