In 2025, WhatsApp continues to make digital payments easier and more secure through its UPI-based service, WhatsApp Pay. Whether you're sending money to friends or making payments to businesses, WhatsApp Pay offers a seamless, cashless experience directly within the app.
Why Choose WhatsApp Pay?
WhatsApp Pay provides a simple, quick, and secure way to transfer funds. Using UPI (Unified Payments Interface), it ensures fast transactions without leaving the app. You can send money to anyone with a WhatsApp account or pay bills, split expenses, and more—all with just a few taps.
How to Set Up WhatsApp Pay
Setting up WhatsApp Pay is easy and can be done in a few simple steps:
Open WhatsApp: Launch the app on your phone or tablet.
Go to Settings: Tap on the three dots (Android) or the gear icon (iPhone) to access settings.
Select Payments: In the settings menu, select "Payments."
Add Payment Method: Tap on "Add new payment method" and choose your bank from the list of supported banks.
Verify Your Number: You’ll receive an OTP to verify your phone number.
Link Your Bank Account: Allow WhatsApp to access your bank details and complete the verification process. Once verified, your bank account will be linked to WhatsApp Pay.
Sending Money via WhatsApp Pay
Once your account is set up, sending money is just as easy as sending a message:
Choose the Recipient: Open the chat of the person you want to send money to.
Tap the ₹ Icon: Located in the bottom-right corner, this is where you’ll input the payment details.
Enter the Amount: Specify how much you want to send.
Enter Your UPI PIN: For security, you’ll need to enter your UPI PIN to complete the payment.
Confirmation: A message will confirm the successful transaction.
Receiving Money
To receive money, ensure your WhatsApp is up to date. Here's how to accept payments:
Open WhatsApp: Make sure you have the latest version of WhatsApp.
Select 'Accept Payment': If it's your first time, you’ll need to accept the terms and conditions.
Verify Your Account: WhatsApp will ask you to verify via SMS.
Link Your Bank: Choose the bank you want to link for receiving payments.
Key Benefits of WhatsApp Pay
Instant Transactions: Send and receive money in real-time, making it ideal for both personal and business use.
Secure: Powered by UPI, every transaction is encrypted and requires an additional PIN for added security.
Convenient: No need to switch between apps—everything happens right within your WhatsApp chat.
Cashless and Cost-Free: Enjoy easy, cashless transactions with no hidden fees.
WhatsApp Business API Integration
If your business gets an official WhatsApp API with a platform like Heltar. They could automate their customers’ entire buying journeys, making the entire process extremely convenient and efficient. Imagine a payment solution right within the app you use for everyday communication. That’s exactly what WhatsApp Payments offers, making transactions as simple as sending a message.
Whether you're in e-commerce, education, or running a subscription service, WhatsApp Payments can be a game changer for your business.
E-commerce: A Seamless Shopping Experience
Imagine a customer browsing your product catalog on WhatsApp, selecting items, and completing the entire purchase—all within the chat. No need to visit an external website, just a smooth, direct payment through WhatsApp. This frictionless experience not only increases conversion rates but also enhances customer satisfaction, making your e-commerce process simpler and more efficient.
Travel Agencies: Easy Booking & Payment
Travel agencies can make booking and payments simpler with WhatsApp Payments. From booking flights to securing hotel stays or tour packages, everything can be handled within the same WhatsApp chat—from discussing itineraries to confirming payments. This streamlined approach reduces complexity and offers travelers a smooth, hassle-free experience.
Healthcare: Hassle-Free Payment for Appointments
For healthcare providers offering telemedicine or online consultations, WhatsApp Payments offers a convenient way to collect payments. Patients can pay consultation fees before or after their appointments, all within the WhatsApp chat, eliminating the need for switching apps or navigating complicated payment systems. This streamlined process improves patient satisfaction and helps healthcare professionals manage billing efficiently.
Fintech: Simplifying Recurring Payments
Managing recurring payments or service fees is often a headache for fintech businesses. WhatsApp Payments simplifies this process by automating transactions. Whether it’s monthly account maintenance fees or premium service charges, businesses can send automatic reminders and collect payments directly through WhatsApp—making it easier for customers to stay on top of their payments.
Restaurants & QSR: Speedy Ordering & Payment
Restaurants and takeaways can benefit from WhatsApp Payments by allowing customers to browse menus, place orders, and pay—all within the same chat. No more long phone calls or navigating complicated apps. This makes the ordering process faster and more convenient for customers, ensuring a smoother experience and happier diners.
Online Classes & Workshops: Effortless Fee Collection
For tutors, trainers, and workshop organizers, collecting fees can be time-consuming. WhatsApp Payments allows you to send instant payment requests to students, streamlining the process. Your students can register for courses and pay their fees within the same conversation—leaving more time for learning and less for managing payments.
Event Organizers: Streamlined Ticket Sales
For event organizers, WhatsApp Payments simplifies ticket sales and reservations. You can send payment requests directly through WhatsApp, eliminating the need for external ticketing platforms. With this simple, direct method, both organizers and attendees enjoy a seamless, hassle-free experience.
Conclusion
WhatsApp Pay is revolutionizing digital payments, offering a seamless, secure, and fast method of transferring money. With an easy setup process and a user-friendly interface, WhatsApp Pay makes financial transactions convenient for everyone. Whether you’re sending money to family, paying bills, or running a business, WhatsApp Pay is a go-to solution for fast, cashless payments.
Ready to start? Set up WhatsApp Pay today and enjoy hassle-free transactions. To leverage the full benefit of this payment ecosystem as a business, setup your WhatsApp business API account with Heltar today.
