Step 1: For Android users, launch WhatsApp on your mobile and click on the three dots on the top right corner of the app. iOS Users must click on the ‘Settings’ option on the bottom right corner.
Step 2: Click on the Payments option and then select ‘Add Payment Method‘.
Step 3: You will be prompted to accept the WhatsApp Payment policies. Read and accept the terms and conditions carefully before giving approval. Click on Accept and Continue if you wish to move forward with the process.
Step 4: Select your bank from the list of banks given to you. Further, if you have multiple accounts with the same bank, select the account on which you want to activate the UPI facility. However, please make sure that you have the same number linked with your bank account and WhatsApp.
Step 5: WhatsApp will verify your account and number by sending an SMS.
Step 6: After verification, you will have to create a UPI PIN in case of new UPI registration for future payments.
Then, to send money through WhatsApp, you will have to go to the ‘Payment‘ option where you will be asked to select the contact to whom you wish to send money. You can also send money using a QR code or UPI address of the receiver in case they are not using WhatsApp payment.