WhatsApp Pay 2025: How to Send & Receive Payments Securely

In 2025, WhatsApp Pay remains a convenient way to send and receive payments directly through the app. Initially launched in India and Brazil, it has expanded to more regions, making digital transactions easier than ever.

WhatsApp Pay is an in-app payment feature that allows users to transfer money as easily as sending a message. It uses the Unified Payment Interface (UPI) system in India, enabling direct bank-to-bank transfers without third-party apps.

Follow these steps to start using WhatsApp Pay:

1. Open WhatsApp: Ensure you have the latest version installed.
2. Go to Payments:
   • Tap the three-dot menu (More options) at the top-right corner.
   • Select ‘Payments’.
3. Add a Payment Method:
   • Tap ‘Add payment method’.
   • Accept the terms and conditions.
   • Choose your bank from the list.
4. Verify Your Account:
   • WhatsApp will verify your phone number linked to your bank via SMS.
   • Complete the verification to link your bank account.
5. Set Up UPI PIN:
   • If you don’t already have one, set a UPI PIN.
   • This PIN is required to approve all transactions.

Once set up, you’re ready to send and receive payments.

1. Open a Chat: Select the person you want to send money to.
2. Initiate Payment:
   • Tap the attachment icon (paperclip) or the ‘+’ icon.
   • Select ‘Payment’.
3. Enter the Amount: Type in the amount you want to send.
4. Add a Note (Optional): Include a brief description for reference.
5. Confirm Payment: Enter your UPI PIN to complete the transaction.

The recipient will receive a notification, and the funds are transferred instantly.

As of 2025, WhatsApp Pay operates in several countries, including:

WhatsApp continues to expand its payment services globally.

WhatsApp Pay uses advanced security features to protect transactions:

• End-to-End Encryption: Ensures payment data remains private.
• Two-Factor Authentication (2FA): Requires UPI PIN for every transaction.
• Fraud Monitoring: Monitors transactions for suspicious activity.

To stay secure, keep your UPI PIN private and report any unauthorized transactions immediately.

Convenience

Make payments directly from your WhatsApp chats without switching between apps.

Speed

Transactions are processed instantly, ensuring fast transfers.

No Extra Charges

WhatsApp Payment doesn’t charge transaction fees for peer-to-peer transfers.

Regional Availability

It is only available in selected countries, limiting access worldwide.

Transaction Limits

Some countries impose restrictions on the amount you can send or receive.

Bank Compatibility

Your bank must support UPI for WhatsApp Payment to work.