WhatsApp finally launches UPI based payments system - currently for 2 crore users

- Now exchange money with message!

Ahmedabad. 9 November 2020, Monday

Earlier, as the days of Diwali approached, the elders of the house would take up a special task - to get fresh notes from a well-known employee of the bank. Then, during the festive days, when all the members of the household feel at their feet, they also get a crisp note with blessings!

Now if you send salutations to other elders of the family on WhatsApp on Diwali, the reply can be accompanied by blessings as well as money dripping, from WhatsApp's payment service, which is not new!

After a wait of almost two and a half years, WhatsApp has launched a Unified Payments Interface (UPI) based payment service. So now in this app, just like good morning images or emojis, exchanging money has also become very easy.

If you connect your bank account with WhatsApp's payment service then there is nothing to do to get the rupee in it, just tell the sender of the rupee your mobile number.

On the other hand, if you want to send money to someone and that person has also connected his bank account with WhatsApp payment service, we will only have to give our UPI PIN to send money to him. Then, in Kaun Banega Crorepati, Bachchanji says, "Just click and you're done!"

The banking system in India has undergone as many changes in the last four years as it has in the previous 40 years. Here, too, UPI and WhatsApp-to-UPI payments seem to be a huge game changer in the whole thing.

Like a message in WhatsApp, after knowing this news about rupee transactions, many questions will start playing in your mind, such as ...

WhatsApp is good for saying good morning to everyone and forwarding various messages, images, videos, but can it be trusted for rupee transactions? Will it be safe?

How to use payment feature in WhatsApp?

Well, what exactly is this UPI itself?

How many people are cheating in the name of UPI, how many fake, fake links are circulating in WhatsApp too - isn't it more dangerous if both UPI and WhatsApp are combined in this?

Here we understand the steps of how to use it in WhatsApp. All the remaining questions are answered in the box below.

Use of payment in WhatsApp

Before knowing the steps for this, let's discuss one more important question - why use payment in WhatsApp ?! In general, if you are familiar with UPI and use any other app, you will not need to use it in WhatsApp either. Your work will continue from another app. Other UPI apps like your own bank or GooglePay, Paytm or PhonePay are now more useful for mobile or other service recharge, ticket booking, online shopping, other bill payment etc. WhatsApp does not currently have specific explanations for payments other than person-to-person payments. Yes, WhatsApp payment is useful for you if you have to exchange money frequently in your WhatsApp contacts. Also, WhatsApp has the facility to scan various QR codes and make payment from UPI, so it is also useful in that way. So with such a background, let's understand the use of payment in WhatsApp.

(1) Turn on WhatsApp in your smartphone and go to its settings.

(2) Does the 'Payments' option appear in the settings? If seen, you are 'one in a million, not one in two million'! Over the last one-and-a-half years, WhatsApp has been able to facilitate payments to 1 million people. Now 20 million people have found it, but the total number of WhatsApp users in India alone is 400 million!) It is possible that you will have to update the WhatsApp app.

(3) After clicking 'Payments', you will see a button linking your bank account to UPI accepting your terms. It will see a list of banks involved in UPI. Select your account and mobile number with WhatsApp which is given in the bank. The system will verify the number by exchanging SMS.

(4) WhatsApp will become your UPI ID (it will be a bit confusing, but you don't have to remember it, people will only be able to send you payments from your WhatsApp number).

(5) In doing so, if someone else is sending us money, the money will be credited directly to our bank account through WhatsApp.

(6) Now if you want to send money from WhatsApp to someone from our bank account through payments, you will need a UPI PIN for that account. If you are taking advantage of UPI system in another UPI app from the same bank account and mobile number then no other procedure will be required.

(7) If you have previously set up a UPI PIN in an app for a bank account, payment can also be made using the same in WhatsApp.

(8) If you are connecting a bank account with UPI for the first time in WhatsApp, to set a new UPI PIN for it you have to state the last six digits of the bank debit card and the expiry month / year (some banks will also ask for the ATM PIN of the debit card). If all goes well we will be able to generate a new UPI PIN. This ritual has to be done once. After generating the UPI PIN, we just have to remember it forever. The same procedure has to be repeated when changing the UPI PIN.

(9) As it happens, our Payments account in WhatsApp is ready to take and send money!

(10) Now to send money to any person, just like everyday message find that person's name / number and click on attachment in the message box. It will show the payment option, select it.

(11) After typing the payment amount, you can add any message in the message box. At the top, you can see to whom and from which bank account you are sending money.

(12) Upon sending the message, UPI PIN will be asked. Given that, the amount will be transferred immediately.

(13) By clicking on the amount message in the chat, its status will be known and from which account you can send the amount to whom and on what date.

(14) Alternatively, you can also view your entire payment history and transaction ID in the Payments option in Settings whenever you want (if there is a problem it should be given to the bank).

(15) In this way, if you want to order money from someone in WhatsApp, you can send a request with the amount. In this case the person in front will accept our request by giving their UPI PIN to the app, i.e. send us the amount in WhatsApp, which will go directly to our bank account!

The number of transactions from UPI, on which WhatsApp payments are based, crossed the two billion mark last month.



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