WhatsApp Pay is now available to All users in India: Here’s how to set it up and send money

WhatsApp Pay, the payment service powered by UPI, has officially expanded its availability to all Indian users. Previously, this service was limited due to user limits imposed by the National Payments Corporation of India (NPCI), but this barrier has now been removed. Anyone in India can now use WhatsApp Pay after NPCI eased restrictions.

For the past two years, WhatsApp Pay has been limited to a maximum of 100 million users. NPCI has imposed this limit to ensure security and smooth functioning of the service. However, with the new development, WhatsApp Pay can now provide UPI services to all users in India.

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“We are pleased to announce that WhatsApp Pay can now offer UPI services to all users in India,” NPCI said in a press release. With this move, WhatsApp users can now send and receive money directly through the app, offering the same convenience as other UPI services. WhatsApp Pay allows users to send and receive money directly through the app, making transactions smooth without having to leave the platform. Similar to other UPI enabled apps, users can send money requests or transfer money to contacts using various UPI apps like Google Pay, PhonePe and Paytm.

Meanwhile, NPCI has delayed its plan to impose a 30% market share limit on UPI players, aimed at supporting companies like PhonePe, which currently holds over 47% market share. The new cut-off date is set for December 2026, giving companies more time to adapt to the new regulations.

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How to set up WhatsApp Pay:

1. Open WhatsApp.
2. Tap the three dots in the upper right corner.
3. Select “Your Payment”.
4. Click “Add payment method”.
5. Accept the payment terms and click “Accept”.

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How to send money:

1. Start a chat with the recipient.
2. Click $ icon in the lower right corner.
3. Enter the amount you want to send.
4. Use your UPI PIN to confirm the transaction.
5. Payment will be confirmed via text message.

With these simple steps, users can now easily access WhatsApp Pay and start sending and receiving money directly through the app.