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How to enable WhatsApp Pay UPI and Shopping?

The app that once revolutionized texting will now make payments convenient.
WhatsApp has a global user base exceeding 2 billion. That is more than 25.64% of the entire global population! This statistic is a solid proof of its significance and popularity in the market. Recently, WhatsApp introduced two significant features: WhatsApp payments and WhatsApp shopping. Both of which have the potential to make it one of the world’s largest payment and shopping platform. These are very important tools for businesses. Hence, in this article we discuss how to enable WhatsApp Pay UPI and WhatsApp Shopping.


What is WhatsApp Pay UPI?

In November 2020, WhatsApp released a new feature (WhatsApp Payments) which allows users to send and receive payments through UPI on the app itself. This feature had been in development for over 3 years and released only recently. As of November 2020, it is available only in India.

How to enable WhatsApp Pay UPIWhat is WhatsApp Shopping?

An increment to WhatsApp Businesses, this feature lets users view the catalog of all products and services offered by the concerned business. On WhatsApp business accounts with a catalog, the call button would be replaced with a store button (android)/ (iOS). Clicking on it would open up the catalog of the business. Instead of two different call buttons one for voice and the other for video, there would be a single call button which opens up to offer both the calling options.

This is a very important feature since it would prompt users to buy products and that too conveniently. Combined with WhatsApp payments, this would provide a very seamless experience to buyers and sellers alike. Especially in countries like India where the unorganized retail sector is dominant, WhatsApp Pay and WhatsApp Shopping would indeed revolutionize payments.

Like WhatsApp is making payments easy, Zapingo is making it easy to find offers 😉 

WhatsApp ShoppingHow WhatsApp shopping will help businesses against COVID

WhatsApp Shopping and WhatsApp Pay helps Small Business owners and other players in the unorganized retail segment to curb the losses arising from COVID.

The COVID scare has led people to refrain from going out on shopping sprees. Until the aftermath of COVID is taken care of and businesses are up and running again, WhatsApp can be effective in reviving demand and help businesses get on track (provided the delivery or receipt of goods and services is taken care of by the involved parties). WhatsApp Shopping is akin to an interface that helps buyers and sellers meet and transact in the local market. For instance, a kirana store serving a small locality of people would much rather prefer to deal to people of his locality through WhatsApp Business rather than going online to find buyers. With the option to curate a catalog, the store owner will easily let the customers know what they can buy. Realizing the significance and the potential of this feature, we sought to educate our readers on how to enable WhatsApp Pay UPI on their accounts.

How to use WhatsApp for Business

Not every business owner or player in the unorganized retail segment is tech-savvy. However, they have to keep up with the advancements in technology since they know all too well the expense of missing out on newer practices. This means they have to create business listings, maintain a website and their social media profiles! Isn’t that a whole lot of work? With WhatsApp business enabling users to buy and sell through the app itself, the need to have a website or social media profile would decrease to some degree. The exact impact of which would obviously be much more clear in the following months.


How to use WhatsApp pay?

Now, let us discuss how to set up WhatsApp Pay and how to send money through it. It is important to remember that users can send money only to their contacts. However, they can scan QR codes to send money to people outside their contact list. Note that the person the money is being sent to (the recipient) must have enabled WhatsApp Payments in order to receive it. If the recipient has not enabled WhatsApp payments and linked his/her UPI enabled bank account, they would not be able to receive the payment. The sender can however prompt the user to do so by sending them a notification on WhatsApp.

How to enable WhatsApp pay UPIHow to enable WhatsApp pay UPI?

In this section, we will explain the process of setting up WhatsApp Pay. Note that this process is same for WhatsApp Business Accounts and WhatsApp users alike.

WhatsApp Pay UPI payment setup-

  1. Download WhatsApp on your phone and set up your account using the same number as the one associated with your bank account.
  2. Go to options and then payments OR open any chat click on the attach button and tap on payments.
  3. Choose add payment method.
  4. Select your bank and verify your phone number through OTP.
  5. Verify your Debit card linked to your account by typing in the last 6 digits and the expiry date.
  6. Set up your UPI PIN. (You will be required to enter this every time you make a UPI payment.) 

How to enable WhatsApp Pay UPI - ZapingoWhatsApp payment feature

How to send money through WhatsApp pay to contacts

  1. Open the chat of the person you want to send money to.
  2. Tap the payment button.
  3. Enter the amount you want to send.
  4. Enter your UPI PIN.
  5. Hit send.

How to send money to UPI users

To send money to any UPI user regardless if they use PhonePe, Google Pay, etc. through WhatsApp, follow these steps:

  1. Open WhatsApp -> Settings -> Payments.
  2. Click on New Payment -> Send to a UPI ID.
  3. Enter UPI ID and click on verify.
  4. Enter the amount and then the UPI PIN and then hit enter.

How to setup WhatsApp Shopping catalog for your business

After the payment profile is set, let us set the catalog.

  1. Go to options -> Business tools -> Catalog -> Add product or service.
  2. Add images, title, description, link to website, product code and the price.
  3. Tap save.

You can share any product out of your catalog with anyone by tapping on the attachment icon and choosing catalog and then the product. So next time a user comes-a-knockin be sure to show them your products.

How to set WhatsApp catalog

WhatsApp Catalog - Zapingo Final take – How to enable WhatsApp Payments and Shopping

If you are running a business, you should definitely run a WhatsApp business account with enabled payments and shopping functionality. The National Payments Corporation of India (NPCI) has allowed WhatsApp to register 20 million (2 crore) UPI IDs. After this limit is reached, users might not be able to opt in this service. Though NPCI may later extend this limit but there are no updates regarding it as of now. Now that you’ve learned how to enable WhatsApp Pay UPI, Don’t wait any more, Enable WhatsApp Payments and Shopping now!


Team Zapingo

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