#Kolkata: Unified Payment Interface or UPI is becoming the primary mode of money transfer for all small or large transactions. From buying vegetables from roadside vendors, paying electricity bills to booking travel tickets, UPI has literally taken the place of cash and cards.
UPI apps like Google Pay, PhonePe and Paytm not only offer hassle-free money transfers but are also secure and offer other features like tracking monthly payments. But these traditional apps drop customers at the last minute due to server lag or customers unable to pay to update their apps. Also it is not possible to do this when the customer’s mobile data is exhausted.
At that point another app can be used, through which customers can initiate UPI payments and that too without downloading that app. Because the app in question is already installed on the customer’s mobile phone. That is WhatsApp UPI transfer called WhatsApp Payments.
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WhatsApp is constantly offering new features to its users. Not only is it one of the most popular chat apps around the world, the company is also launching various features to provide convenience and security to users. Necessary features like cash transactions have also been added to this. In fact, WhatsApp launched their UPI payment feature a few months back and helps users transfer money with the same facility as sending messages. So, without downloading an app, customers can easily send money to any mobile number or by scanning a QR code. The chat interface window contains step-by-step instructions for setting up WhatsApp payments. Let’s take a look at that way.
How to send money through WhatsApp –
Step 1 – First of all, open the WhatsApp app on your Android or iOS smartphone.
Step 2 – Then open the WhatsApp chat of the person to whom the money is to be transferred. Direct payment can then be clicked on by clicking on the three dots in the upper right corner.
Step 3 – Then click on “Add your payment method” option and then click on “Add bank account”.
Step 4 – Then choose the bank where you have your savings account.
Step 5 – After that you have to verify your phone number. Notably, one should have the same mobile number registered in their phone. If there is a registered mobile number, like a WhatsApp number, WhatsApp will automatically verify it.
Step 6 – Next add your bank account details.
Step 7 – Allow WhatsApp to send and receive money through that registered mobile number.
Step 8 – Then click on ‘Continue’ option. In this way own bank account will be linked with UPI payment processing through WhatsApp.
How to send money using WhatsApp UPI Payment –
Step 1 – The person to whom money needs to be sent should open the chat or open the payment option directly from the three-dot button.
Step 2 – Then choose the payment option using a number or QR code.
Step 3 – Next enter the amount that needs to be sent.
Step 4 – Enter your UPI PIN set for registered bank and click send payment.
One can check their payment status in WhatsApp chat itself and also track money transactions in their chat. WhatsApp also offers a variety of stickers and backgrounds to customize and make payments fun. To add these stickers and backgrounds, just click on the “Stickers” icon
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