Making UPI Payments on WhatsApp: A Step-by-Step Guide

There is no doubt that Unified Payments Interface (UPI) has made digital payments very convenient. Now many Indians are preferring big and small transactions through UPI. It is no rush to say that UPI has revolutionized the world of digital payments. In 2020, WhatsApp introduced UPI-based payment functionality as a pilot project. After its success, it introduced UPI payments for its Indian users.

WhatsApp app’s key advantage of its UPI service is its huge subscriber base in India, which is believed to reach 535.8 million by 2024. However, WhatsApp still lags behind Google Pay and PhonePe when it comes to person-to-person transactions.

If you have been thinking about activating UPI payment through WhatsApp, here are the simple steps:

– Open the WhatsApp chat window of the person you want to make the payment to. Click the attachment icon.

– Select the ‘Payment’ option and accept the terms.

– Enter the amount to be transferred, enter the UPI code and wait for the payment to be processed.

This way, paying has become as simple as sending a text message or documents. The payee and recipient will receive a notification about the payment in their WhatsApp chat window. However, if someone wants to confirm the status of the payment, they can check the bank transfer details from the text message or confirm the transaction details through the bank.

How to set WhatsApp UPI

– Open WhatsApp and go to Settings.

– Select the Payments option

– Select the “Add new account” option.

– Choose your bank from the mentioned options. Make sure your selected bank account is also linked to your UPI account.

– After selecting the bank account, you will be asked to set the UPI pin.

– Set UPI pin and you are ready for WhatsApp UPI transactions.

Amidst UPI payments, one can also use the WhatsApp QR scan feature to transfer funds.

How to make UPI payments via WhatsApp QR scan

– Open Whatsapp and go to Settings.

– Select the New Payments option.

– Select the Scan QR Code option.

– Point your camera at the QR code.

– Enter the amount you want to transfer and make the payment after entering the UPI PIN. Payment is made.

WhatsApp may soon become a powerful payment option for millions as the platform is testing international UPI payments wherever the service is available.