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Help Article | How to send money | Android

You can send money after you've added your bank account to WhatsApp.
To send money:
  1. Open a chat with the contact you want to send money to.
  2. Tap the Payments
  3. Enter the rupee amount you'd like to send > tap Next > Send Payment.
  4. Verify the payment by entering your UPI PIN.
Alternatively, you can send money by following these steps:
  1. Open a chat with the contact you want to send money to.
  2. Tap Attach
     > Payment.
  3. Enter the rupee amount you'd like to send > Next > Send Payment.
  4. Verify the payment by entering your UPI PIN.
  • You will be asked to confirm your UPI PIN before sending a payment.
  • If you haven’t set up a UPI PIN yet, you’ll be asked to do so by verifying the last 6 digits of your debit card and the expiration date.
  • The description for the payment is optional and won't show up on your bank statement.
  • Once the payment is sent, the transaction details will be listed in the chat, including a transaction ID.
  • You might receive a confirmation SMS from your bank after the payment has been completed.
  • You won't be able to send money if your contact doesn't have payments enabled. You'll see the following pop-up message when trying to send them money: "To receive a payment, [your contact] needs to set up payments in WhatsApp by tapping Settings > Payments".
  • To use payments, make sure you're using the latest version of WhatsApp. If you're having trouble downloading it through the Google Play Store, visit
For iPhone, read this article.


WhatsApp Features


Simple, Reliable Messaging

Message your friends and family for free*. WhatsApp uses your phone's Internet connection to send messages so you can avoid SMS fees

* Data charges may apply. Contact your provider for details.


Groups to keep in touch

Keep in touch with the groups of people that matter the most, like your family or coworkers. With group chats, you can share messages, photos, and videos with up to 256 people at once. You can also name your group, mute or customize notifications, and more.



Keep the Conversation Going

With WhatsApp on the web and desktop, you can seamlessly sync all of your chats to your computer so that you can chat on whatever device is most convenient for you. Download the desktop app or visit to get started



Speak Freely

With voice calls, you can talk to your friends and family for free*, even if they're in another country. And with free* video calls, you can have face-to-face conversations for when voice or text just isn't enough. WhatsApp voice and video calls use your phone's Internet connection, instead of your cell plan's voice minutes, so you don't have to worry about expensive calling charges.

* Data charges may apply. Contact your provider for details.



Security by Default

Some of your most personal moments are shared on WhatsApp, which is why we built end-to-end encryption into the latest versions of our app. When end-to-end encrypted, your messages and calls are secured so only you and the person you're communicating with can read or listen to them, and nobody in between, not even WhatsApp.


Share Moments that Matter

Send photos and videos on WhatsApp instantly. You can even capture the moments that matter to you most with a built-in camera. With WhatsApp, photos and videos send quickly even if you're on a slow connection.



Document Sharing Made Easy

Send PDFs, documents, spreadsheets, slideshows and more, without the hassle of email or file sharing apps. You can send documents up to 100 MB, so it's easy to get what you need over to who you want.


Say What's On Your Mind

Sometimes, your voice says it all. With just one tap you can record a Voice Message, perfect for a quick hello or a longer story.



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