Unified Payments Interface (UPI) is becoming the primary mode of money transfer for all small or big transactions. From buying vegetables from roadside vendors to paying electricity bills or even booking travel tickets. UPI has literally taken over cash and cards. UPI apps like Google Pay, PhonePe, and Paytm not only offer hassle-free money transfer but are also secure and offer slew of other features like tracking monthly payments. But what if these conventional apps ditch you at the last minute due to low server? Or you are unable to pay as your app needs updating but you are unable to do so on mobile data? Well, there is another app through which you can initiate UPI payments, and that too without downloading the app. Because the app we are talking about is already installed on your mobile phone. We are referring to WhatsApp UPI transfer feature called WhatsApp Payments.
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The WhatsApp UPI payment feature was launched a few months ago and allows users to transfer money at the same convenience as sending a message. So, without even downloading an app you can easily send money to a mobile number or by scanning QR code. Here is the step-by-step guide to setting up payments on WhatsApp in the chat interface window.
How to step-up WhatsApp Payments
Step 1: Open WhatsApp app on your Android or iOS smartphone.
Step 2: Now open the chat of the person you want to transfer money to. You can also tap directly to Payments by tapping on the three dots on the top right corner.
Step 3: Now tap on “Add your payment method” and then click on “Add bank account”.
Step 4: Select the Bank you have a savings account with.
Step 5: Next, you have to verify your phone number. Notably, you should have your registered mobile number on your phone. If you have the registered mobile number, the same as the WhatsApp number, then WhatsApp will automatically verify it.
Step 6: Now add your bank account details.
Step 7: Allow WhatsApp to send and receive money via a registered mobile number.
Step 7: Click on Continue. Now, your bank is connected to processing UPI payments via WhatsApp.
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How to send money using WhatsApp UPI Payments
Step 1: Open the chat of the contact you want to send money to or open Payments directly from the three-dot button.
Step 2: Choose payment using a number or QR code.
Step 3: Now enter the amount you want to send.
Step 4: Enter your UPI pin set for the registered bank and click on Send payment.
You can also check your payment status in the chat itself and you can also keep track of the transactions in the chat. WhatsApp also offers a wide variety of stickers and backgrounds to customise and make payments fun. To add these stickers and backdrops, just tap on the “Sticker” icon.
