How to Setup WhatsApp UPI payments on your Android Phone

This blog post will walk you through how simple it is to setup UPI payments in your WhatsApp account.

UPI (Unified Payments Interface) is one of the best things that happened as part of the Digital India initiative. You can instantly send money to another person using a VPA (Virtual Payment Address) which is more like an email address linked to your bank account. When a person sends money to your VPA, it will be directly deposited to your bank account.

If you do not have a UPI ID, you can create one using your bank account or even create one using the government issued BHIM app.

Even though there are several apps through which you can send and receive UPI payments (including the BHIM app which is an awesome alternative), the newly launched UPI payment feature in WhatsApp is a game changer.


First off, everyone has WhatsApp. Second, it is convenient to have everything in one place. It is a very strategic move by Facebook to drive usage. With more features in the way, WhatsApp will be used like how WeChat is being used in China.

Okay, enough history and geography about UPI and Whatsapp. Let’s cut to the chase and see how to setup UPI-based payments in WhatsApp.

Note: I’ve checked this only for Android phones


Update your WhatsApp to the latest available version from Play Store.

How to:

  • Head to Settings and click on Payments. 
  • Under Bank Accounts, click on + New Bank Account. 
  • In the following screen, you will be shown a list of banks. Choose the bank which you wish to integrate with your WhatsApp account.


  • You will be asked to provide permission to send SMS. Click Allow. If you have dual SIM in your phone, choose the SIM to which your WhatsApp account is attached.
  • An OTP will be sent, and upon verification, your bank accounts will be fetched. (I guess this happens if you had already setup your UPI account previously)


  • Choose the bank account you wish to attach with your WhatsApp, and Bam! your setup is complete. You will now be able to instantly send money to your friends.
  • You can also check the payment history from the Payments section.

Try this and see if you are able to set it up successfully. If you’re able to find out it may be due to the phased rollout of the feature to all users. In that case, don’t worry. You will get the feature in the upcoming days.

Until next time.


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