WhatsApp UPI payment feature: Here’s how you can transfer money using the app

WhatsApp has finally begun testing its payment service in India. Available to a select number of users at the moment, the feature allows one to send and receive money via the Unified Payment Interface (UPI) platform.

The official roll-out for general public is expected to be announced very soon. But if you don’t wish to wait for that long, there’s already a workaround to get the WhatsApp UPI payment feature right away.

The process of getting the payment feature is very similar to WhatsApp’s voice calling feature, which debuted approximately three years ago. So, if one of your friends who already has received the UPI update on their WhatsApp, you can ask them to invite you to seed the feature.

Note that the feature is only available to the mobile version of the application and not on WhatsApp Web. Also, the payment interface supports UPI services from all major banks including HDFC Bank, ICICI Bank, State Bank of India, Yes Bank, and Airtel Payments Bank.

Here’s the step-by-step guide on what you have to do to enable WhatsApp UPI feature on your phone:

  1. Users who already have the feature need to go to their friend’s profile on WhatsApp.
  2. Once there, they simply need to tap the attachment (paper clip-shaped) button.

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