Welcome to Techgues. Sending money has become as simple as sending a text. With WhatsApp now offering in-app payment services, you can quickly transfer money to your contacts without needing to switch between apps. If you’re an iPhone user, this guide will show you exactly how to send money through WhatsApp in just a few easy steps.
What is WhatsApp Pay?
WhatsApp Pay is a secure, UPI-based payment feature integrated into the WhatsApp app. It allows users to send and receive money directly within chats, using their linked bank accounts. Currently, WhatsApp Pay is available in countries like India and Brazil, with support for expansion to other regions in the future.
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What You Need Before Getting Started
Before you can send money through WhatsApp on your iPhone, make sure you have the following:
- An iPhone with the latest version of WhatsApp installed
- A valid phone number linked to your WhatsApp account
- A bank account that supports UPI (for Indian users)
- SMS capability for verification
- A stable internet connection
How to Set Up WhatsApp Pay on iPhone
Follow these steps to set up payments on WhatsApp:
- Open WhatsApp on your iPhone.
- Go to Settings in the bottom-right corner.
- Tap on Payments.
- Select Add Payment Method.
- Choose your bank from the list.
- WhatsApp will verify your phone number by sending an SMS.
- Once verified, your UPI ID will be created.
- If prompted, set up your UPI PIN to complete the setup.
✅ Now you are ready to send and receive money through WhatsApp!
How to Send Money Through WhatsApp on iPhone
Method 1: Sending Money in a Chat
- Open the chat of the person you want to send money to.
- Tap the “+” icon next to the text input field.
- Choose Payment from the menu.
- Enter the amount you want to send.
- (Optional) Add a note for reference.
- Tap Send, then enter your UPI PIN to confirm the payment.
You and the recipient will both receive confirmation once the transaction is complete.
Method 2: Using the Payments Section
- Go to WhatsApp Settings > Payments.
- Tap Send Payment.
- Choose a contact from your list.
- Enter the amount and confirm using your UPI PIN.
How to Receive Money on WhatsApp
Receiving money is automatic:
- Once someone sends you money via WhatsApp Pay, the amount is directly credited to your linked bank account.
- You will get a notification and chat confirmation of the transaction.
If you have not set up WhatsApp Pay, you will be prompted to complete the setup before claiming the money.
Is WhatsApp Pay Safe?
Yes, WhatsApp Pay is built on the highly secure Unified Payments Interface (UPI) framework and complies with government and banking regulations. Each transaction requires a UPI PIN, and WhatsApp does not store your card or account information.
Security Tips:
- Never share your UPI PIN with anyone.
- Enable Face ID or Touch ID for extra security on your iPhone.
Troubleshooting Tips
Payment option not visible?
- Make sure WhatsApp is updated to the latest version.
- WhatsApp Pay may not yet be available in your region.
SMS verification failed?
- Check your mobile plan includes SMS services.
- Ensure your WhatsApp number matches your bank-registered number.
UPI transaction failed?
- Try again later or use a different bank account.
- Check if your bank’s UPI services are temporarily unavailable.
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Where is WhatsApp Pay Available?
As of now, WhatsApp Pay is available in:
- India (powered by UPI)
- Brazil (powered by Facebook Pay)
Meta is gradually expanding this feature to other countries, so availability may increase in the future.
Conclusion
Sending money through WhatsApp on iPhone is fast, secure, and incredibly convenient. Whether you’re splitting bills, paying rent, or sending a gift, WhatsApp Pay lets you handle transactions right from your chat screen. With just a few taps, you can complete financial tasks without ever leaving the app.
If you have not tried WhatsApp Pay yet, now’s the perfect time to set it up and experience a whole new level of mobile banking convenience.
