
WhatsApp Payments is a convenient way to send and receive money directly within the WhatsApp app. It's available in several countries, including India, Brazil, and Mexico.
To use WhatsApp Payments, you need a compatible device and a bank account linked to your WhatsApp account. This feature is only available on select phones and devices.
Once you've got everything set up, you can send money to friends and family by tapping the "Payments" option in the chat window. You can also request money from others using the same feature.
In India, for example, WhatsApp Payments is integrated with popular payment systems like UPI and BHIM. This allows users to send and receive money using their UPI IDs or mobile numbers.
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What Is WhatsApp Payments?
WhatsApp Payments is an in-app feature that lets users send and receive money from others as easily as sending a text message.
This payments service is a convenient way to manage money transfers without needing third-party apps.
As of May 13th, 2023, the feature is only available in India and Brazil.
What Is?
WhatsApp Payments is an in-app feature that allows users to send and receive money from other users and businesses.
It's a convenient way to manage money transfers without having to use third-party applications.
The payments service lets users transfer money as easily as sending a text message.
As of May 13th, 2023, the feature is only available in India and Brazil.
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How It Works
WhatsApp Payments are powered by financial partners that vary depending on the country you're in. In India, the feature is enabled by the BHIM UPI platform.
These platforms process payments through partners like SBI, Axis Bank, HDFC Bank, and others. This setup ensures that WhatsApp Payments can operate without any fees.
In Brazil, WhatsApp Payments are enabled by Meta Pay. Payments are processed by trusted local partners.
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Availability and Expansion
WhatsApp payments are expanding to new regions, offering users a convenient way to make transactions. Brazil is one such country where the payment feature is available.
In Brazil, WhatsApp users can pay merchants directly through the app, allowing businesses to quickly and securely collect payments from their customers. This is a great tool for local commerce as there are no fees involved.
The payment feature in Brazil has a business use as well, enabling small businesses to accept payments from their customers.
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Now Available in the US
Unfortunately, WhatsApp Pay is not available in the United States or other North American countries.
For now, it's not possible to use WhatsApp Pay in the US, but there are alternative solutions available.
You can make payments on WhatsApp with the help of SleekFlow, which offers a workaround for this limitation.
Zuckerberg Expands to More Countries
In 2016, Facebook expanded to 100 countries, making it a truly global platform. This was a significant milestone for Mark Zuckerberg and his team.
The company's focus on growth and expansion led to the launch of Facebook Lite in 2015, a lighter version of the app designed for users with slower internet speeds.

Mark Zuckerberg's vision for a more connected world drove the expansion into new markets.
The number of Facebook users in India, for example, grew from 100 million to over 200 million between 2016 and 2018.
Facebook's expansion into Africa also brought the platform to millions of new users.
In 2017, Facebook launched Marketplace, a platform for buying and selling goods locally, in over 100 countries.
The launch of Facebook's digital literacy program in 2016 helped educate users in emerging markets on how to use the platform safely and effectively.
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Countries Where WhatsApp Payments Is Available
WhatsApp Payments is available in India and Brazil, making them the two countries where you can use this feature without any restrictions.
In India, WhatsApp Payments has been available since 2018, initially in beta mode, and later expanded to 1 million users by 2022.
In Brazil, WhatsApp Payments is fully available, allowing users to make payments to individuals and businesses alike.
In Singapore, WhatsApp Payments is only available for payments to businesses, with no plans for individual transactions.
You can use WhatsApp Payments in ten regional Indian languages, making it accessible to a wide range of users in India.
WhatsApp Payments can be used by both Android and iOS users, giving you the flexibility to use it on your preferred device.
Setting Up and Using WhatsApp Payments
To set up WhatsApp Pay, you need to have a WhatsApp account linked to your mobile phone number. Businesses and customers can generate a payment request or send a payment link to each other through the chat conversation.
To set up WhatsApp Pay, you can follow these steps: Open WhatsApp and click on the three dots in the top right corner, select Payments → Add new payment method, and choose your bank from the list provided. Verify your phone number and set up a UPI PIN if you don’t already have one.
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Once set up, sending and receiving money on WhatsApp Payments via UPI is very simple. Open the chat with the person you’d like to exchange money with, click on the paperclip or the ➕ button, select Payment, enter the payment amount, and follow the on-screen prompts to verify your UPI pin.
Here are the steps to sign up for WhatsApp Payments in India:
- Open WhatsApp and click on the three dots in the top right corner.
- Select Payments → Add new payment method.
- Choose your bank from the list provided.
- Verify your phone number.
- Once verified, set up a UPI PIN if you don’t already have one.
Note: If you need to sign up for WhatsApp Payments, you can follow the same steps as above.
How to Send and Receive Money
To send and receive money on WhatsApp, you'll need to have a WhatsApp account linked to your mobile phone number. Businesses and customers can use WhatsApp Pay to send and receive money, but you'll need to set it up first.
To send money, open the chat with the person you'd like to exchange money with and click on the paperclip or the ➕ button. Then, select Payment and enter the payment amount. Next, follow the on-screen prompts to verify your UPI pin, and you'll see a message confirming that the transfer has been made.
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You can also receive money on WhatsApp by following the same steps. If you need help signing up for WhatsApp Payments, you can refer to the steps below.
To set up WhatsApp Payments, open WhatsApp and click on the three dots in the top right. Then, select Settings → Payments → Facebook Pay → Add New Card. Enter your card details, such as your debit or credit card number, and accept the terms and conditions. At this point, you'll need to verify your card by entering a verification code sent via SMS to the phone number connected to your bank account.
Here's a summary of the steps to send and receive money on WhatsApp:
- Open the chat with the person you'd like to exchange money with.
- Click on the paperclip or the ➕ button and select Payment.
- Enter the payment amount and follow the on-screen prompts to verify your UPI pin.
- Enter the verification code sent via SMS to verify your card (if needed).
- Accept the terms and conditions and create a six-digit Facebook Pay PIN.
How to Set Up
To set up WhatsApp Pay, you'll need to follow these steps:
First, open WhatsApp and click on the three dots in the top right corner. This will open the menu where you can access the Payments feature.
Select Payments and then click on Add new payment method. From there, choose your bank from the list provided.
You'll then need to verify your phone number, which is a crucial step in setting up WhatsApp Pay. This will ensure that your account is secure and ready for use.
Once verified, you'll need to set up a UPI PIN if you don't already have one. If you have a UPI PIN, you'll need to enter it to complete the setup process.
In India, WhatsApp Pay works with the government's BHIM UPI platform, processed by payment partners such as HDFC, SBI, Axis Bank, and others. This makes sending and receiving payments through WhatsApp extremely easy in India.
In Brazil, WhatsApp Pay was enabled by working with local banks including Nubank, Sicredi, Cielo, and Banco do Brasil. It was officially green-lighted in March 2023, enabling small businesses to both communicate and sell products directly through the app.
To set up WhatsApp Pay in Brazil using the WhatsApp Business App, you'll need to verify your card with a verification code sent to the number connected to your bank account via SMS.
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Here's a summary of the steps to set up WhatsApp Pay in India and Brazil:
In India, WhatsApp Pay was first released in 2018 in beta mode, initially available to 1 million users. After a successful reception, it has become a major payment method available in 10 different major regional languages across the country.
Brazil WhatsApp Payments
Brazil WhatsApp Payments is a convenient and efficient way to transfer money and make purchases. Users can split and pay bills, settle debts among friends, and even pay small businesses directly within the app.
WhatsApp has a large user base in Brazil, with the country hosting its second-largest user base. The system operates through partnerships with major local financial institutions, adhering to the country's regulatory requirements.
In Brazil, users can pay merchants through the app, allowing companies to quickly and securely collect payments from their customers. This feature is a great tool to accept payment, boosting local commerce.
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To pay a business on WhatsApp in Brazil, you need to set up WhatsApp Pay first. Then, you can search for a company or brand in the WhatsApp business directory and make a payment in just a few taps.
WhatsApp Pay in Brazil was enabled by working with local banks, including Nubank, Sicredi, Cielo, and Banco do Brasil. It was officially green-lighted in March 2023, enabling small businesses to both communicate and sell products directly through the app.
To set up WhatsApp Pay for a WhatsApp Business Account in Brazil, you need to follow the steps provided by WhatsApp. This includes verifying your card with the verification code sent to the number connected to your bank account via SMS.
Frequently Asked Questions
Can WhatsApp do international payments?
No, WhatsApp Pay is currently limited to domestic transactions within India. International payments are not supported at this time.
Can you send money through WhatsApp from the US to Mexico?
Yes, you can send money from the US to Mexico through WhatsApp with Remitly. This service allows for fast and secure money transfers to Mexico and other eligible countries.
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