经过两年多的监管障碍，WhatsApp已开始在^(WhatsApp)印度^(India)提供其支持 UPI 的支付^(Payment)功能。与消息类似， ^(Similar)WhatsApp Pay允许用户在^{(WhatsApp Pay)}WhatsApp聊天中即时汇款或收款。该功能建立在印度^(India)国家^(National)支付^(Payments)公司^{(Corporation)}的统一^(Unified)支付^(Payments)接口^(Interface)( UPI ) 协议之上。

在这个方便的指南中，我们展示了您需要了解的有关WhatsApp付款的几乎所有信息，包括如何设置WhatsApp Pay 、如何在^{(WhatsApp Pay)}WhatsApp聊天中汇款或收款、如何在WhatsApp中添加或删除银行账户等等。

在开始之前，您应该知道 WhatsApp现在可以访问您的以下数据，甚至可以与所有 Facebook 拥有的公司共享这些数据——无论您是否使用 Facebook：

• 您的帐户注册信息。
• 交易^{(Transaction)}和付款数据——包括您的银行余额
• 有关您如何与他人互动的信息。
• 移动设备信息。
• 您的 IP 地址。

如何设置，开始使用WhatsApp 付款^{(WhatsApp Payment)}

借助WhatsApp Pay^{(WhatsApp Pay)}，用户无需亲自兑换现金或前往当地银行，即可在聊天中汇款或收款。WhatsApp Pay支持与 160 多家受支持的银行进行交易，包括ICICI 银行^{(ICICI Bank)}、HDFC 银行^{(HDFC Bank)}、Axis 银行^{(Axis Bank)}、印度^(India)国家银行^{(State Bank)}等。支持 UPI 的支付系统现已在最新版本的Android和 iOS版WhatsApp上可用。

阅读^(Read)：印度进行在线支付的最佳移动钱包列表^{(List of Best Mobile Wallets in India to Make Online Payments)}

如何在WhatsApp中添加或删除您的银行账户^(WhatsApp)

只有在您将银行账户添加到WhatsApp后，您才能汇款或收款。确保您在支持^(Make)UPI的印度银行拥有账户，并且您的WhatsApp电话号码必须与您要添加的银行账户相关联。

首次设置WhatsApp付款^(WhatsApp)

1. 打开WhatsApp > Tap More Options> 付款 >添加^(Add)新帐户。
2. 接受 WhatsApp 的付款条款和隐私政策^(Policy)。
3. 选择您的银行。
4. 点击通过短信验证 > 允许。
5. 点按您要添加的银行帐户。
6. 点击完成。

您可以同时将多个银行账户添加到WhatsApp

1. 打开WhatsApp > Tap More Options> 付款。
2. 点击付款方式下的“添加付款方式”。
3. 选择您的银行。
4. 点击通过短信验证 > 允许。
5. 点按您要添加的银行帐户。
6. 点击完成。

您可以删除已添加到 WhatsApp 的银行账户

1. 打开WhatsApp > Tap More Options> 付款。
2. 在付款^(Payment)方式下点击您要删除的银行帐户。
3. 点按^(Tap)更多选项 >删除^(Remove)付款方式。
4. ^{(Tap Remove)}提示确认时点击删除。

如何在WhatsApp^(WhatsApp)聊天中汇款或收款

只有在您将银行账户添加到WhatsApp后，您才能在聊天中汇款和收款。

如何向您的WhatsApp联系人汇款

1. 转到WhatsApp并打开您想与之汇款的聊天
2. Tap Attach > Payment（此选项仅在双方都设置了WhatsApp Pay时才会出现。
3. 在“支付^(Pay)”下，输入金额并添加备注，这是可选的。
4. 输入您的 PIN 码。确保您已经设置了UPI PIN。
5. 交易完成后，您可以查看付款详情。

如果您是第一次设置WhatsApp Pay，它可能会要求您验证您的借记卡信息，这是设置UPI PIN所必需的。

在 WhatsApp 上收款

同样，您也可以选择在WhatsApp^(WhatsApp)上向某人索款：

1. 转到WhatsApp并打开您想与之收款的聊天。
2. Tap Attach > Payment > Navigate到请求^(Request)。
3. 输入您要请求的金额并添加可选注释。
4. 该请求将在 6 天后到期。

收到款项后，您可以通过点击交易信息查看付款详情。

如何在WhatsApp中更改或设置新的UPI PIN

1. 打开WhatsApp > Tap More选项 >点击^(Tap)付款。
2. 选择^(Select)银行账户以修改UPI PIN。
3. 点击更改 UPI PIN^{(Tap Change UPI PIN)}或忘记 UPI PIN^{(Forgot UPI PIN)}。

如果您选择忘记 UPI PIN^{(Forgot UPI PIN)}，请点击继续^(CONTINUE)并输入借记卡号码的最后 6 位数字和到期日期。在某些情况下，您的银行可能会提示您输入CVV号码。如果您选择更改 UPI PIN^{(Change UPI PIN)}，您只需输入现有的UPI PIN。然后，WhatsApp将提示您输入新的UPI PIN。现在，确认新的UPI PIN。

如何在WhatsApp中使用^(WhatsApp)UPI ID或二维码汇款或收款

信不信由你，您还可以使用UPI或扫描WhatsApp中的二维码来汇款或收款：

1. 打开WhatsApp > Tap More选项 > 付款 >新付款^{(New Payment)}。
2. 选择至UPI ID或扫描二维码^{(Scan QR Code)}（如果您选择了UPI ID选项，请输入UPI ID）。
3. 如果您选择了二维码^{(QR Code)}选项，请扫描二维码。
4. 点击发送或请求资金。
5. 输入^(Enter)您要发送或请求的金额。>输入^(Enter)备注（可选）
6. 点击箭头图标。

如何找到与您的WhatsApp Pay关联的二维码

WhatsApp为每个^(WhatsApp)支付^(Payment)账户分配一个唯一的二维码。其他人可以扫描该二维码，通过WhatsApp Pay UPI^{(WhatsApp Pay UPI)}向您汇款：

1. 打开WhatsApp > Tap More选项 > 付款。
2. 在屏幕顶部，您会找到您的WhatsApp Pay 二维^{(WhatsApp Pay QR)}码。

您^(Are)是否使用WhatsApp Pay在^(Pay)WhatsApp聊天中汇款或收款？到目前为止，您的WhatsApp Pay体验^(Pay)如何？^(How)在下面的评论中让我们知道。

WhatsApp Payments: How to set up, send, receive money in WhatsApp

After more than two years of regulatоry hurdles, WhatsApp has started offering its UPI-enabled Payment feature in India. Similar to messages, WhatsApp Pay allows users to send or receive money instantly in WhatsApp chats. The feature is built on top of the National Payments Corporation of India’s Unified Payments Interface (UPI) protocol.

In this handy guide, we have demonstrated nearly everything you need to know about payments in WhatsApp including how to set up WhatsApp Pay, how to send or receive money in WhatsApp chats, how to add or delete a bank account in WhatsApp, and more.

Before you begin, you should know that WhatsApp will now be able to access your following data and even share them with all Facebook-owned companies – whether you use Facebook or not:

• Your account registration information.
• Transaction & payments data – including your bank balance
• Information on how you interact with others.
• Mobile device information.
• Your IP address.

How to set up, get started with WhatsApp Payment

Thanks to WhatsApp Pay, users can send or receive money in chats without exchanging cash in person or going to a local bank. WhatsApp Pay enables transactions with more than 160 supported banks including ICICI Bank, HDFC Bank, Axis Bank, the State Bank of India, and more. The UPI-enabled payment system is now available on the latest version of WhatsApp for Android and iOS.

Read: List of Best Mobile Wallets in India to Make Online Payments

How to add or remove your bank account in WhatsApp

You can send or receive money only after you have added your bank account to WhatsApp. Make sure you have an account at an Indian bank that supports UPI, and your WhatsApp phone number must be associated with the bank account you want to add.

Setting up WhatsApp Payments for the first time

1. Open WhatsApp > Tap More Options > Payments > Add new account.
2. Accept WhatsApp’s Payments Terms and Privacy Policy.
3. Select your bank.
4. Tap Verify via SMS > Allow.
5. Tap the bank account you want to add.
6. Tap Done.

You can have more than one bank account added to WhatsApp simultaneously

1. Open WhatsApp > Tap More Options > Payments.
2. Tap the ‘Add payment method’ under the payment method.
3. Select your bank.
4. Tap Verify via SMS > Allow.
5. Tap the bank account you want to add.
6. Tap Done.

You can delete the bank account you have added to WhatsApp

1. Open WhatsApp > Tap More Options > Payments.
2. Tap on the bank account you want to remove under Payment methods.
3. Tap More Options > Remove payment method.
4. Tap Remove when prompted for confirmation.

How to send or receive money in WhatsApp chats

You can send and receive money in chats only after you have added your bank account to WhatsApp.

How to send money to your WhatsApp contact

1. Go to WhatsApp and open the chat with whom you would like to send money
2. Tap Attach > Payment (This option will appear only when both parties have set up WhatsApp Pay.
3. Under ‘Pay,’ enter the amount and add the note, which is optional.
4. Enter your PIN. Make sure you have already set the UPI PIN.
5. Once the transaction is complete, you can check the payment details.

If you are setting up WhatsApp Pay for the first time, it might ask you to verify your debit card information, which is required to set up the UPI PIN.

Receiving money on WhatsApp

Similarly, you can also choose to request money from someone on WhatsApp:

1. Go to WhatsApp and open the chat with whom you would like to request money.
2. Tap Attach > Payment > Navigate to Request.
3. Enter the amount you want to request and add an optional note.
4. The request expires in 6 days.

Once you have received the money, you can check the payment details by tapping the transaction message.

How to change or set up new UPI PIN in WhatsApp

1. Open WhatsApp > Tap More options > Tap Payments.
2. Select the bank account to modify the UPI PIN.
3. Tap Change UPI PIN or Forgot UPI PIN.

In case you select Forgot UPI PIN, tap CONTINUE and enter the last 6-digits of the debit card number and the expiry date. In some cases, your bank might prompt you to enter the CVV number. If you selected Change UPI PIN, all you need to do is enter your existing UPI PIN. Then, WhatsApp will prompt you to enter a new UPI PIN. Now, confirm the new UPI PIN.

How to send or request money using UPI ID or QR code in WhatsApp

Believe it or not, you can also send or request money using UPI or by scanning QR code in WhatsApp:

1. Open WhatsApp > Tap More options > Payments > New Payment.
2. Select To UPI ID or Scan QR Code (If you selected the UPI ID option, enter the UPI ID).
3. If you selected the QR Code option, scan the QR code.
4. Tap either Send or Request money.
5. Enter the amount you want to send or request.> Enter the note (optional)
6. Tap the Arrow icon.

How to find QR code associated with your WhatsApp Pay

WhatsApp assigns a unique QR code to each Payment account. Others can scan that QR code to send you money over WhatsApp Pay UPI:

1. Open WhatsApp > Tap More options > Payments.
2. At the top of the screen, you will find your WhatsApp Pay QR code.

Are you using WhatsApp Pay to send or receive money in WhatsApp chats? How is your WhatsApp Pay experience so far? Let us know in the comment below.

Related posts

• 在Signal，WhatsApp，Telegram上注册，无需使用phone number

• 如何知道您是否在WhatsApp上被阻止？

• 如何从被攻击停止我的WhatsApp消息？

• 如何识别WhatsApp Scams and Spam messages

• 如何移动WhatsApp Group Chats给Signal app

• Best WhatsApp Web tips & tricks您可以使用

• WhatsApp Voice Messages不是Working？这是该做什么

• 如何在Whatsapp Status发布或Upload Long Video？

• 当你在WhatsApp静音某人时会发生什么

• 如何发送WhatsApp message而不通过PC or Phone保存数字

• WhatsApp Desktop App：安装，Use and Features

• WhatsApp未显示Windows 10上的通知

• 如何转移旧WhatsApp聊天到您的新手机

• WhatsApp安全吗？ WhatsApp Privacy and Security issues

• 如何更改WhatsApp中的Font Style [逐步]

• 如何在WhatsApp上取消阻止当Blocked

• 如何Record WhatsApp Video and Voice calls？

• 附件Size Limits用于Outlook，Gmail，Yahoo，Hotmail，Facebook，WhatsApp

• 如何将Windows Phone传输WhatsApp消息到Android

• Does WhatsApp如何工作？ （初学者指南）