WhatsApp payment had been a work in progress for a long time. The much-awaited peer-to-peer money transfer has gone live in India. It's based on India's Unified Payments Interface (UPI). Considering how eagerly many of you would be willing to use this feature, we’ve made a quick guide about how to set up and use WhatsApp payment on iPhone and Android.

First and foremost, you need to have the latest version of WhatsApp installed on your device to use the peer-to-peer money transfer. Your recipient must be running the updated version of the messaging app to be able to receive money. There are several popular banks including HDFC, Axis, ICICI, SBI, Yes Bank, Allahabad Bank, Punjab National Bank and more that support UPI. So, you won't have any problem in linking your bank account with WhatsApp Payment. Read on…

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How to Send Receive Money on WhatsApp on iPhone and Android

How to Set up and Use WhatsApp Payment on iPhone and Android

How to Set up and Use WhatsApp Payment on iPhone

Note: Many of you may not see this feature yet on your device. Hence, you will have to wait for a few days before you will be able to use it.

Step #1. Launch WhatsApp on your iPhone and tap on the Settings tab at the bottom right corner → Tap on “Payments.”

Tap on Settings then Payments in WhatsApp on iPhone

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Step #2. select “Add New Account.”

Tap on Add New Account in WhatsApp on iPhone

Step #3. Next, tap on “Accept and Continue.” Now, you need to verify your phone number via SMS.

Verify Phone Number using SMS on iPhone

Verify Phone Number for WhatsApp Payment on iPhone

Step #4. Once you have verified your phone number, a list of all supported banks will appear on the screen.

WhatsApp Payment Supported Banks India

Step #5. Next up, you have to select the bank and enter your account information.

Link Bank Account with WhatsApp on iPhoneSetup UPI PIN for WhatsApp on iPhone

Step #6. Tap on Done to confirm.

Set up WhatsApp Payment on iPhone

How to Set up WhatsApp Payment on Android

Step #1. Open WhatsApp on your mobile device.

Step #2. Now, tap on three dots at top right corner and select settings.

Step #3. Next, tap on “Payments.”

Step #4. Next, tap on “accept and continue.” Now, you will be asked to verify your number using SMS. Follow the instruction to verify your number.

Step #5. Once you have verified your mobile number linked to your bank account, and UPI, you should see a list of all the UPI supported banks.

Now, you need to select the bank account, which you wish to add to UPI on WhatsApp.  Then, enter the last six digits of your debit card number along with the expiry details to create a Virtual Payee Address (VPA).

That's it! You have successfully set up WhatsApp payment on your device.

How to Send/Receive Money using WhatsApp In Individual Chats on iPhone and Android

Step #1. Launch WhatsApp on your mobile device.

Step #2. Now, open any conversation.

  • On your iPhone, tap on the “+” button.
  • On Your Android device, tap on the “Clip” icon.

Step #3. Next, tap on Payment.

Send Money Using WhatsApp on iPhone

Step #4. Then, enter the amount and type in a note. Next up, tap on the send button.

Send Cash Money Using WhatsApp on iPhone

Step #5. You will be asked to confirm the 4-digit UPI pin. Authenticate the payment.

Send or Receive Cash using WhatsApp on iPhone or Android

That's it!

Whenever someone sends you money, it's directly credited to your account. Moreover, you also get an SMS from your bank about the money transfer.

The process of sending money in group chat is quite similar.

How to Send/Receive Money To Your Friends Using WhatsApp In Group Chats on iPhone and Android

Step #1. Open WhatsApp on your device.

Step #2. Next, open any group chat.

  • On your iPhone, “+” button.
  • On Your Android device, tap on “Clip” icon.

Step #3. Tap on Payment.

Send Money Using WhatsApp on iPhone or Android

Step #4. Now, you should see the group members. Select the person you wish to send the money to.

Tap on Group Member Name in WhatsApp on iPhone or Android

Step #5. Next up, enter the amount, note and pin and then send the money. In the end, authenticate the payment.

Send Money using WhatsApp on iPhone or Android
How to Send Money using WhatsApp Group Chats on iPhone or Android

How To Add A New Account to WhatsApp Payment on iPhone and Android

Adding a new account to the mix is so simple. Jump over here to know how it works.

How To Change or Remove WhatsApp Payment Bank Account on iPhone and Android

Managing WhatsApp Payment bank account isn't a big deal and you can get it done without breaking any sweat at all. Head over here to delete the ones you don't want to use any more or set a new bank account as your default option.

How to Change WhatsApp Payment PIN on iPhone and Android

It's always advisable to set a strong passcode to have added security. And if you feel that your WhatsApp Payment authentication PIN is a bit on the weaker side, jump over here to quickly change it.

How to View your WhatsApp Payment Transaction History on iPhone and Android

WhatsApp lets you easily access your entire transaction history right from inside the app. For instance, you can view who sent you money and when and be able to comfortably keep a tab on the transaction. Jump over to this quick guide for more info.

That's pretty much it!

Your take

I wish WhatsApp rolled out this feature everywhere sooner than later. Have any question? Feel free to shoot in the comments below.

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Jignesh Padhiyar is the founder of iGeeksBlog.com who has a keen eye for news, rumors and all the unusual stuff that happens around iPhone and iPad.