WhatsApp Pay FAQs

WhatsApp is building a new payment feature for India that will enable people to easily send money yo each other vis WhatsApp. The beta testing feature is only available to a limited number of people in India. The official launch will be anytime before the end of the year 2019

The WhatsApp Payment will use the UPI platform as a payment service. UPI stands for Unified Payment Interface which is a national payment system developed by NPCI (National Payments Corporation of India) and supports all the major banks in India.

WhatsApp Pay will use the phone number associated with your account to identify your bank account information.

For questions about a specific transaction, tap the payment message > Help.
If you have any questions or concerns about your bank account, contact your banking institution.
For all other payments questions open WhatsApp Settings > tap Payments > Help

Make sure your bank supports UPI if you can’t find your bank name on the list.

If still, you are having issues adding your bank account, check the following.
Make sure your WhatsApp number and the phone number linked to your bank account is the same. if not, contact your bank and update your mobile number first.
Make sure you have selected the correct bank.
You can send and receive SMS.
You are connected to a reliable internet connection.
If you have a joint or NRI bank account, it may not be supported. Contact your bank for more information.
If you have a dual SIM phone on a version of Android less than 5.0: Open your phone’s Settings > Make sure the SIM set as default matches the phone number you use for WhatsApp.

You won’t be able to send the money to the user who has not activated WhatsApp Pay on their phone.

You’ll see the following pop-up message when trying to send them money:

To receive a payment, [contact name] needs to set up payments in WhatsApp by tapping Settings > Payments

Make sure you have sent it to the correct contact number. Some times it happens the contact has two mobile numbers and accidentally, you have sent payment to the wrong mobile number.

In some cases, it’s possible that the money transfer isn’t instant. It can take up to 4 business days for the transfer to complete. To get more information on the status of your payment, contact WhatsApp support. To contact support, tap the payment message > Help.

If the payment was unsuccessful, the app will notify you. At the same time, your bank should process a refund in up to 4 working days. You may check your bank account to check the refund status.
You may contact WhatsApp PAy support by tapping Payment message > Help

WhatsApp Pay creates the necessary connection between the sender and recipient of the payment. It uses Facebook infrastructure to pass the transaction information to the bank partner (payment service provider) and NPCI (National Payment Corporation of India).

Facebook doesn’t use WhatsApp payment information for commercial purposes. It simply helps pass the necessary payment information to the bank partner and NPCI.

No, it doesn’t. WhatsApp sends the encrypted UPI PIN to the bank partners. WhatsApp cannot see and doesn’t store the UPI PIN. Your UPI PIN is encrypted by software provided by the National Payment Corporation of India (NPCI).

WhatsApp also doesn’t store other sensitive payment details like a one-time password (OTP), account number and full debit card details.

WhatsApp Pay takes the utmost care when it comes to security. But your security is in your hands. Follow the below-mentioned points and you will not face any security issues.

You must send money if the phone number on your device matches the number associated with the bank account.
You must provide accurate bank account details.
Don’t share your UPI PIN or ATM password to anyone.
You should only make payments to reliable third parties. Only accept offers or click on any links from contacts you trust.