WhatsApp UPI Payment : All You Need To know

WhatsApp has introduced UPI payments features in India.
Now Whatsapp user in India can make payments through their favorite messenger without leaving the conversation with their friends.
Facebook owned-company has rolled out this update for both Android and IOS users.
It was in beta testing for Android and now it's up for everyone out there

Whatsapp isn't the only player in the market that offers UPI based payments, there are many like Hike, Google Tez, PhonePe and Paytm etc., who offers the same.

Being a popular messenger this feature can be hit for Whatsapp.

Whatsapp UPI Payment: How Does it work?

Payment option is not present on every Android smartphone till now, the one who has updated his app has it.

If you are not able this feature in your WhatsApp messenger then update your app to the latest version  ( 2.18.8).

It can be seen in the setting menu of the WhatsApp messenger and can be easily set up.

From the setting, menu tap on Payment

  

After that accept the term and conditions offered by Whatsapp, then verify your number linked to your bank account.

It will send a  message to the bank for the UPI registration and then select the bank and that's it.
Your account is set up and now you can send or receive money from your friends who have created their UPI account on WhatsApp.
 To send money you have open the chat of that friend and click the attachments icon then select  UPI Payment option.
Later, fill the amount to pay and enter UPI pin that's it.

Comparison with Google Tez and Paytm

Google Tez is a complete payment oriented app, it can transfer fund to Tez user, other VPA addresses, bank accounts as well and other bill payment like electricity, DTH, IRCTC and much more.

While Whatsapp can only transfer funds to the WhatsApp users and other  VPA addresses.
Money transfer to a bank account using Account number is not possible in Whatsapp UPI payment option.

Where Paytm is also providing the same functionality as Tez does but at the same time it can be used as the messenger.

Paytm seems to be a complete app than the other two.

How to get UPI Payment Feature in Your WhatsApp

You should get this feature as soon as you update your app to its latest version. Every user is not getting this feature after updating their app, there nothing wrong with your phone or the app so don't worry about it, just ask your friend to pay you through UPI and then you will get this feature in your Whatsapp.




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