WhatsApp Payment Option Not Showing on iPhone? Here’s How to Fix It!

WhatsApp Payment Option Not Showing on iPhone? Here is the solution for you What You Can Do. WhatsApp is the most popular instant messaging app, used by millions for daily conversations, business interactions, and group communications. Over the years, WhatsApp has introduced various features. Such as voice and video calls, status updates, disappearing messages, and WhatsApp Payments.

The WhatsApp Payment feature allows users to send and receive money directly within the app using the Unified Payments Interface (UPI) framework developed by the National Payments Corporation of India (NPCI). UPI enables seamless transactions between bank accounts without requiring additional apps or services.

However, many users have reported a common issue: The WhatsApp Payment option not showing on their devices, even after updating the app. If you are facing this problem, don’t worry! Here Raj Tech Blog, will explain why this happens and provide three effective solutions. That enables WhatsApp Payments on your iPhone.

Why is the WhatsApp Payment Option Not Showing on iPhone?

Before jumping to the solutions, let’s first understand why the WhatsApp Payment option might not be available on your iPhone. Here are some of the most common reasons:

Whatsapp App Not Updated: WhatsApp frequently releases updates that include new features. If your app is not updated, the Payments option might not appear.

Gradual Rollout: WhatsApp Payments is being rolled out in phases due to regulatory and competitive concerns.

Feature Activation Delay: Some users may receive access to the Payments feature only after they receive a payment from an existing WhatsApp Payment user.

Device or OS Compatibility Issues: Your iPhone’s software settings or outdated iOS version might prevent new features from appearing.

Let’s explore the three best solutions to fix this issue.

Solution 1: Update WhatsApp on Your iPhone

The first step to enabling WhatsApp payments is to update your WhatsApp app. When you update your WhatsApp, you will be added to the latest features. Remember that if you are running an older version of the app, the Payments option may not be available.

How to Update WhatsApp on Apple iPhone:

Open the iPhone App Store: From the Home screen, open the App Store icon and select Updates.

Refresh the Updates Page: Swipe down to refresh the list of available updates.

Update WhatsApp: If an update is available, tap UPDATE next to WhatsApp Messenger.

Once the update is complete:

Open WhatsApp and Click on Settings (at the bottom right).
Look for a new “Payments” tab.
If you still don’t see the Payments option, proceed to the next solution.

Solution 2: WhatsApp is Rolling Out the Payments Feature Slowly

Even if your app is updated, you may still not see the WhatsApp
Payments option. This is because WhatsApp is slowly rolling out the feature, instead of making it available to everyone.

Why is WhatsApp Limiting the Rollout?

The NPCI (National Payments Corporation of India) has allowed WhatsApp to roll out its payment service in phases. Here’s why:

Preventing Market Monopoly:

WhatsApp has over 400 million users in India. If the Payments feature was made available to everyone at once. It could dominate the UPI market and crush smaller competitors like Google Pay, PhonePe, and Paytm.

Regulatory Compliance:

The Reserve Bank of India (RBI) and NPCI are monitoring WhatsApp’s payment system to ensure fair competition and prevent security risks.

Testing and Improvement:

WhatsApp launched the Payments feature in beta mode for 1 million users in 2018. To ensure a smooth experience, the full-scale rollout is being tested in multiple phases.

Limited User Access:

WhatsApp has been allowed to activate Payments for only 20 million (2 crores) users in the first phase.
If you are not part of this group, you will have to wait until the next phase of the rollout.

What Can You Do?

If you have updated WhatsApp but still don’t see the Payments option, you might have to wait until WhatsApp expands the rollout. However, Solution 3 below might help you enable it sooner.

Solution 3: Ask Any Friend to Send You Money Through WhatsApp

This workaround has worked for many users. If the WhatsApp Payments feature is not enabled on your account. Then receiving a payment request from someone who already has it might activate the feature for you.

How to Try This Method:

Ask any Friend/Family Member to send you a small amount through the WhatsApp payment.

If your friend or family member sees this message, which says, “The recipient needs to update WhatsApp,” that means you need to update your WhatsApp.

After receiving the payment request:

Force close WhatsApp, restart your iPhone, and open WhatsApp again.
Go to Settings and check if the Payments tab appears.

While this method does not guarantee immediate activation, it has helped many users get the feature sooner than waiting for an official rollout.

Alternative Methods to Enable WhatsApp Payments

If the above solutions did not work for you. Then there are some additional troubleshooting steps:

1. Join the WhatsApp Beta Program

WhatsApp sometimes allows users to join its beta testing program where new features are tested before public release.
On iPhone, the beta program is managed via TestFlight, but slots fill up quickly.
Check for available beta slots by visiting WhatsApp’s official beta page.

2. Check UPI and Bank Account Linking

Ensure your phone number is linked to a UPI-enabled bank account.
If the Payments tab appears in WhatsApp, try linking your bank account manually.

3. Reinstall WhatsApp

Sometimes, uninstalling and reinstalling WhatsApp can trigger the Payments feature.
Backup your chats before uninstalling the app to avoid data loss.

Conclusion

The WhatsApp Payment option not showing the issue is mainly due to the gradual rollout rather than a technical problem. While updating WhatsApp and receiving money from a friend might help enable it sooner, the best option might be to wait until the rollout expands.

As WhatsApp continues working with NPCI and the Indian government, we can expect wider availability soon. Keep your app updated, check for announcements, and try the alternative methods (which are mentioned above).

More Insights

Recently, Mark Zuckerberg, CEO of Meta (formerly Facebook), praised India’s UPI system, calling it a “game-changer” for digital payments. WhatsApp aims to make payments more accessible, secure, and widely available in India.

Frequently Asked Questions (FAQs)

Are WhatsApp Payments Safe?

Yes, WhatsApp Payments uses UPI, which is regulated by NPCI and follows all security guidelines. Your transactions are end-to-end encrypted and secure.

Why can’t I see the WhatsApp Payments option even after updating the app?

WhatsApp Payments is rolling out slowly. If updating did not work, try Solution 3 or wait for the next rollout phase.

Does WhatsApp Payments work on Android?

Yes, WhatsApp Payments is available on both iPhone and Android, but the rollout is gradual for all devices.

Are there any transaction fees for WhatsApp Payments?

No, WhatsApp Payments does not charge any transaction fees for UPI transfers.