How to Instantly Enable WhatsApp Payments Feature on iOS & Android

As you may know, WhatsApp has been testing its UPI-based payments service in India to facilitate digital payments and match with the likes of Paytm and Google Tez. This feature promotes Indian government’s  UPI (Unified Payments Interface) program and will allow users to send and receive money through WhatsApp in a secure and seamless manner. As of now, WhatsApp hasn’t officially announced the payments feature but a set of WhatsApp Beta users have started noticing the Payments option. The option is found in the attachment menu between the Document and Gallery. Perhaps, even if you’re running a beta version of WhatsApp, then you might not see the Payment feature because it’s a server-side rollout.

WhatsApp Payment

Fortunately, you can activate WhatsApp Payment option on iOS and Android right now by following a simple trick stated below. This is similar to the invite system that allowed users to activate WhatsApp Voice Calling feature in the past. We’ve tried the process with few contacts and it worked like a charm.

Trick to Activate Payments Feature on WhatsApp for iPhone & Android –

1. Make sure your WhatsApp is updated to the latest stable version. You can simply check that on Google Play or App Store. We’ve tried this method on WhatsApp stable version 2.18.46.

2. Once WhatsApp is updated, you need the help of someone who already has WhatsApp Payment feature activated on their phone. That’s because Payments feature will be enabled only when a certain WhatsApp user who has Payments activated tries to send you a payment on your WhatsApp number. (Note: The sender doesn’t need to send any money to enable it for others).

3. Once the payment request is made, the feature will be automatically enabled for you. In WhatsApp, you will then notice the new Payment option in attachment menu and a new Payments option in app Settings.

WhatsApp Payments feature
Now go to Payments under Settings to set up payments. In the process, you need to verify your phone number > select your bank > select a bank account to add. Under Bank accounts, you can easily add new accounts and set up your UPI PIN (if not set up earlier) by verifying the debit card linked to that bank account. The WhatsApp Payments Settings page also shows the payment history, lets you set a primary account and remove a bank account. As you might have noticed, the UPI payments are processed by ICICI Bank.

Sending a Payment –

To try out, we tried sending a small payment and the process worked seamlessly. The recipient instantly got the money via UPI payment. It’s worth noting that both the sender and receiver need to have payments set up in order to send and receive money. You can currently transfer a maximum amount of Rs. 5000. Moreover, as of now one can only send payments but can’t make a payment request in WhatsApp.


How to Invite others to WhatsApp Payments –

Those who have Payment feature activated should follow our guide “How to Invite your Contacts to WhatsApp Payments“. This way you can enable WhatsApp Payment for others by sending them an invite or payment request. We’ve also made a video tutorial that shows how to invite others and send payment through WhatsApp.

Do try it and let us know! 🙂

Thanks @amit_meena


Mayur Agarwal is the founder and editor-in-chief of WebTrickz. As a Technology enthusiast and an Internet addict, he loves sharing useful How To’s and Tips & Tricks. Follow him @mayurjango on Twitter.

24 Responses

  1. alkesh says:

    Hello sir can u activation my payment pls


    Hey @amit_meena,
    Well I use Whatsapp Beta , currently running on 2.18.48 beta. But still no UPI nor conference video calling feature enabled.

  3. Bala says:

    Your email id??

  4. Abhishek Sarkar says:

    Pls invite me

  5. Rajat says:

    Plz send me ur email id so that I can share my mobile no

  6. Aditya pal says:

    Please try to send me money i want payment option

  7. Kiran Sarje says:

    Please activate my WhatsApp payment option

  8. Javed juneja says:

    Sir please activate payment in my whatsapp ios 11

  9. Rachit Kumar says:

    Can you activate payment mode on my whatsapp

  10. Arpit says:

    I have mailed you my phone number. Please help me out.

  11. Sharon says:

    Can you pls invite me to whatsapp payments

  12. Vikrant says:

    I want payment optn

  13. Aman Singhal says:

    i have downloaded the beta version of the whatsapp app but still i cannot see any payment option please help .

  14. Lalit Kumar Barik says:

    Can anyone please help me in activating the Payments feature of WhatsApp? I am on the version 2.18.48

  15. Devarsh says:

    I have pinged you pls enable WhatsApp payment

  16. Rahul says:

    Can you pls invite me to whatsapp payments

  17. Aniket says:

    Please invite me

  18. Jack says:

    I have just got it by telling one of my friend to transfer money. When he tried making payment he got an alert messsage \”XXX needs to update WhatsApp to be able to receive money.”
    and then I rebooted my device.

  19. Nimesh says:

    Can you pls invite me to whatsapp payments

  20. Mahendra Jale says:

    I ping you on WhatsApp. Please enable my WhatsApp payment options.

  21. Subham says:

    I ping you on WhatsApp. Kindly enable my WhatsApp payment options.

  1. February 26, 2018

    […] free, makes it very easy and quick to share text messages, photos, documents, voice notes, and even payments (only in India via UPI) without any […]

  2. March 14, 2018

    […] Also Read: How to Instantly Enable WhatsApp Payments Feature on iOS & Android […]

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