How to activate whatsapp pay ? How to use whatsapp Pay? Tutorial video in Gujarati

How to activate whatsapp pay ? How to use whatsapp Pay? Tutorial video in Gujarati

After a two-year wait, WhatsApp has finally been allowed to start rolling out its payments service — WhatsApp Payments — in India. The National Payments Council of India (NPCI) has given a green signal to the Facebook-owned app’s payments venture and suggested that the service can now go live in a ‘graded manner.’ Read on to know more about the new WhatsApp feature and how you can use it.

WhatsApp Payments official in India

As approved by NPCI, WhatsApp Payments will allow for UPI-based transactions in a ‘graded manner.’ This means that it will initially be available for 20 million UPI users in India and will operate based on the multi-bank model. NPCI also introduced a cap of 30% on UPI transactions by third-party app providers (TPAP), starting January 1, 2021

WhatsApp payments: How to set up, send and receive money via WhatsApp Pay

WhatsApp payment

How to set up account
Step 1: For Android devices, open WhatsApp and click on the three dots appearing on the top right-hand side of the app. For iOS, click on the ‘Settings’ option on the bottom right-hand corner.

Step 2: Select the ‘Payments’ option. Select ‘Add Payment Method’. You will be asked to accept the WhatsApp Payment policies. Click on ‘Accept and Continue’.

Step 3: You will get the list of banks; select the bank from which you wish to make the payments. Further, if you have two bank accounts with one bank, select the bank account, with which you want to make the payments.
While selecting the bank, ensure that the WhatsApp mobile number is the same one linked to your savings bank account. This is because an SMS will be sent on this number for verification purpose.

Step 4: Once the verification is completed, you will be required to set up a UPI PIN for making future payments.

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How to send money via WhatsApp
Step 1: From your WhatsApp contact list, select the contact to whom you want to transfer money to. Open the chat option and then select the payment option. If the contact you have selected is not using the WhatsApp payment option, you can transfer the money using the person’s UPI ID of another platform say Google Pay, PhonePe etc. You will get a pop-up informing you that the contact is not using the WhatsApp payment mechanism, after which you can select the ‘Send to UPI ID’ option.

You can also transfer money using the Scan QR Code option.

Step 2: Enter the amount and your UPI PIN. Once the correct PIN is entered, the amount will be transferred to the receiver’s bank account.

Receiving money
If the sender has WhatsApp Pay: If the sender is transferring money to you via WhatsApp Pay, then all he/she has to do is follow the instructions above to transfer the money.

If the sender does not have WhatsApp Pay: If the sender does not have WhatsApp Pay, you can still receive money. You will be required to share your WhatsApp Pay UPI ID to the sender. The sender will enter your WhatsApp Pay UPI ID in the payment platform such as Google Pay, PhonePe Etc. to send you the money. WhatsApp Pay will inform you that you have received money.

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