Do you know how to SEND MONEY via WhatsApp? YOU NEED TO KNOW!

The feature is very easy and practical to use. Learn how to register and how to send money!

With our busy lives, we need more and more practicality, right? And for that, we can count on WhatsApp, which is the favorite app among Brazilians, both for sending text messages instantly and for the other features that the platform contains.

Among the platform's main features is the payments feature, which allows you to send and receive money in a very simple way. This procedure can be done directly from the chat, without needing a banking app, aiming to make our routine even easier.

If you don't know, or don't know how to use this feature, learn now and change the way you make payments!

WhatsApp Payments

WhatsApp It is an easy-to-use application that greatly helps in interacting with other people in our daily lives, whether for personal or professional matters. We cannot deny that the application has several very useful functions and has been bringing new updates constantly to further improve its use and user experience.

With this in mind, WhatsApp launched a feature some time ago that allows users to send and receive money through the app itself, without having to open a banking app. With this feature, WhatsApp aims to bring more convenience to users, who can do everything through the platform.

It's very easy to use, but you first need to know if your financial institution is a partner of the payment service. WhatsApp Pay currently works with debit cards from Inter, Banco do Brasil, Bradesco, Mercado Pago, Itaú, Next, Nubank, Santander, Sicred and Woop.

The WhatsApp feature is similar to the Pix system, where the money leaves the account of the sender and is credited to the recipient's account, without fees. However, for the transaction to work, the recipient must also have their account registered in the system, as well as the payer.

Careful

The app has already stated that the payments feature was created for transfers between friends and family, in person, and for the purchase of goods and services, and not for receiving money for sales.

If the user receives money from sales outside of the “Receive payments for sales” function on WhatsApp Business, their account may be blocked.

How to register

Android devices

1. Enter the three-dot menu in the upper right corner;
2. Click on the “Payments” option;
3. Click “Start” and “Continue”;
4. Create a six-digit PIN, which will be used for transactions;
5. Click “Next”;
6.  Enter your name, contact and CPF and click “Next”;
7. Enter your card details – name, number, expiry date and security code;
8. Click “Save”.

When registering your card, click on “Verify now” to verify your card. You can choose whether verification will be done via text message, email or through the bank’s app. A code will be generated using the chosen method and must be entered into WhatsApp. After the procedure, payments can now be made through WhatsApp Pay.

iPhone

1. Click on “Settings”;
2. Select the “Payments” option;
3. Click “Start” and “Continue”;
4. Create a six-digit PIN that will be used for transactions;
5. Click “Next”;
6. Enter your name, contact and CPF and click “Next”;
7. Enter your card details – name, number, expiry date and security code;
8. Click “Save”;
9. Verify your card details via SMS, email or through the bank app, enter the code on WhatsApp and that's it.

How to make payments

Android

1. After registering, open the conversation of the person you want to send money to, tap the attachment icon and select the “Payments” option;
2. Enter the amount you want to send, and if you wish, describe the payment;
3. Click on “Pay”;
4. Authenticate with code;
5. After this procedure, the receiving contact must accept the payment. Payments or receipts cannot be made through WhatsApp Web, just through the mobile app.

iPhone

1. Access the conversation of the person you want to send money to;
2. Click on the “+” icon and click on “Payment”;
3. Enter the amount you want to send, and if you wish, describe the payment;
4. Click on “Pay”;
5. Authenticate with the code;
6. Your contact needs to accept the payment, and that's it, the amount will be sent.