WhatsApp Pay & Mobile Payment: News, Statistics and Developments

WhatsApp Pay, Facebook Libra or Apple Pay – the world of mobile payment is getting more and more exciting. In order to cover the entire customer journey on messengers such as WhatsApp, the topic of payment with phones is a gamechanger – all experts agree on this! Which messenger can score with its smartphone payment system?  

WhatsApp Pay / Mobile Payment Updates

Update 10. February 2022

Split Payments on Messenger from Meta is available for everyone in the U.S.

StĂ©phane Kasriel, Head of Novi, Meta’s FinTech unit, announced on Twitter that Split Payments has now been activated for all users in the USA. This allows money to be split between several people so that, as shown in the screenshot, joint purchases can be divided between friends and acquaintances, for example.

Update 20. December 2021

WhatsApp launches pilot for cryptocurrenccy payments in the U.S.

WhatsApp released a solution to send and receive money in the easiest way. Facebook’s digital wallet (Novi) allows any transaction to be made easily, securely, quickly and without fees via WhatsApp. Currently, this new feature is available in the US and limited in Guatemala (only via Novi app).

To enable sending money Novi uses digital currencies, once money is deposited in the Novi account it is converted into USDP (Pax Dollar). One USDP is equivalent to 1 US dollar on Novi. USDP (Pax Dollar) is a stablecoin issued by Paxos and is pegged to the US dollar at all times.

To ensure security, Novi performs several steps. Verification with an official photo ID serves as the identity check. A video selfie may also be requested. Additionally, Novi has fraud protection and several privacy features.

All you have to do is to create an account and deposit money into it. After that, you select a contact, enter the amount to be transferred, and then the transaction is verified and you can add a personal note.






Update 14. September 2021

 Only 6% use Apple Pay!

The mobile payment service Apple Pay has been hyped for years – but the actual usage figures seem to be lower than expected, at least if a U.S. survey of more than 3,600 consumers is to be believed: According to the survey, only 6.1 percent of users in the U.S. who have activated Apple Pay on their iPhones actually use the system to pay at the store checkout.

Even the Corona pandemic has not had a strong effect here; in recent years, the percentage has fluctuated between 5.1 and 6.9 percent. Apple Pay is therefore growing primarily because the absolute number of users is increasing as more people activate the function.

Update 19. August 2021

Facebook-Wallet Novi is ready for launch!?

Facebook’s own digital wallet “Novi” is said to be about to launch. David Marcus, CEO of Facebook Financial, announced this in a blog post! He did not reveal an exact date for the launch.

Facebook presents Novi as a simple way to transfer money between people. Such a digital payment system, he said, is a “global, open, interoperable, near real-time, cheap” and “compliant global protocol for money”

Novi is said to be distinct from the cryptocurrency service Libra, now called Diem, as well as the Calibra wallet announced in 2019. Thus, he said, Novi is the wallet provider that deals in a stablecoin linked to real assets and issued by the Diem Association.

David Marcus was the head of Facebook Messenger for a long time and so it can be speculated when the topic of WhatsApp Pay / Messenger Pay will also be integrated here!

Update 30. March 2021

WhatsApp Pay now also launches in Brazil!

After going On – Off with WhatsApp Payment in Brazil in June 2020, WhatsApp pay has now launched with 30 institutions. Facebook Payments has been approved as a “payment initiator” in Brazil. This is reported by the Brazilian newspaper globo.com.

The Central Bank (BC) granted on Tuesday the operating authorizations that will allow WhatsApp to carry out bank transfers. Visa and Mastercard also received approvals for two open “payment agreements” such as wire transfer, deposit, prepayment and domestic. WhatsApp will also be part of the agreement, which will allow transfers through the messaging app.

Under the model approved by the Central Bank, WhatsApp will only initiate transactions between customer accounts at the financial institutions where they are account holders. The credential to be used in the application is the Visa or MasterCard debit or prepaid card number.

However, according to BC, transactions can be made from the date WhatsApp makes the functionality available to the customer, and the rate charged for the bank transfer is set by the application.

Statement WhatsApp:

“with great satisfaction we welcome today’s decision of the Central Bank to make this WhatsApp feature available in Brazil as soon as possible”

WhatsApp Pay brings companies one step closer to conversational commerce. However, it is not yet known when a rollout for WhatsApp Payment is planned in Germany!

Update 05. November 2020

WhatsApp Pay launched in India!

WhatsApp Payment in Indien bezahlen per Messenger

Now WhatsApp is launching its payment feature in India. A blog article says: “Starting today, people across India can send money via WhatsApp. This secure payment method makes transferring money as easy as sending a message. People can securely send money to a family member or share the cost of goods remotely without having to exchange cash in person or go to a local bank”

WhatsApp developed the payments feature in partnership with the National Payments Corporation of India (NPCI) and using the Unified Payment Interface (UPI), one of the first real-time payment systems in India that enables transactions with over 160 supported banks.

To send money via WhatsApp in India, it is necessary to have a bank account and a debit card in India. WhatsApp sends instructions to banks, which initiate the money transfer via UPI between sender and recipient bank accounts. In doing so, WhatsApp Pay partners with five leading banks in India: ICICI Bank, HDFC Bank, Axis Bank, the State Bank of India and Jio Payments Bank.

Update 22. September 2020

Samsung Pay launched in 25 countries

With Samsung Pay, you can use mobile payment on your Samsung smartphones. You simply register credit and debit cards as well as customer cards via the app. Samsung Pay is accepted at all points of sale where you can make contactless payments.

Samsung Pay is available in around 25 countries, including Spain, Sweden, and Switzerland, for example. Even though Samsung Pay has not yet officially announced its launch, there is no doubt that mobile payment will soon be available in Germany as well. A registration page has been set up on Samsung’s website, where you can sign up for the next scheduled test run.

Samsung Pay will work similar to Apple Pay and less like WhatsApp Pay. Thus, it will not be about sending money like WhatsApp Payment – but about paying via deposited credit card. Samsung Galaxy Watch owners in particular would benefit from Samsung Pay. Although contactless payment services have long been available from other providers, Samsung has so far refrained from integrating the function for smartwatch users as well.


Update 24. June 2020

WhatsApp Pay: Brazilian central bank stops WhatsApp’s online payment service!

After the launch of WhatsApp Pay, WhatsApp’s online payment service in Brazil on 15.6.2020, it has now been announced a week later that the central bank has suspended WhatsApp Pay, which is built on the Facebook Pay online payment system, for the time being. The reason is a “preliminary analysis of market supervision” that would have to take place. In addition, the Brazilian central bank sees “potential competitive risks” from WhatsApp Pay. Brazil is the world’s second largest market for the messenger, with over 120 million users. Ahead of Brazil, India is in first place with +400 million WhatsApp users.

WhatsApp reiterated in an initial statement that it will work closely with all relevant players for its WhatsApp Payment solution in Brazil to enable an early relaunch.

Our goal is to make digital payments available to all WhatsApp users in Brazil in an open model, and we will continue to work with local partners and the Central Bank to make this possible. In addition, we support the Central Bank’s PIX project for digital payments and, together with our partners, are committed to working with the Central Bank to integrate our systems once PIX is available.

PIX is an instant payment system developed and tested by the Brazilian Central Bank. During the test phase, PIX already had around 1000 financial companies participating. About 30 of these financial service providers alone had over 500,000 customers each. In terms of transaction costs for companies, PIX is lower than WhatsApp. Experts expect PIX to reach around 20 million users in its first year. The launch is planned for November.


Worth knowing: Development of WhatsApp Pay

WhatsApp has been gradually opening up to businesses for a few years now. In 2018, the WhatsApp Business App was introduced, which was only aimed at smaller companies and businesses. Subsequently, the WhatsApp Business API was introduced, which was developed specifically for medium and large companies, but is only available through selected partners, so-called WhatsApp Business Solution Providers, such as MessengerPeople.

WhatsApp Pay and mobile payment: In parallel with the opening of the business side, a test phase for the company’s own mobile payment service has been running in India since February 2018. The test began in June 2018 with one million users. WhatsApp has teamed up with various Indian banks for this purpose.

Incidentally, WhatsApp’s second-largest market, Brazil (+120 million users with a population of 212 million), has not been idle when it comes to WhatsApp Pay either. The country’s oldest bank, Banco do Brasil, had started early to successively introduce financial transactions (e.g., money transfer, account balance, etc.) via WhatsApp. for example, a cash service was launched in 2019, allowing customers to withdraw amounts worth up to 80 euros from an ATM. This 15th service, which the bank is implementing via WhatsApp, works quite simply via chatbot, as ZDNET explains.

  1. Store contact (phone number) of the bank in the address book and ask for withdrawal.
  2. A chatbot with IBM Watson technology asks for the amount of the withdrawal as well as the PIN, which the customer must enter
  3. After verification, the customer receives a code that must be entered in the ATM and is valid for the day of the request

Finally, Facebook announced in late 2019 that it was launching Facebook Pay, a unified online payment system for its “Family of Apps,” which includes WhatsApp, Facebook Messenger, the Facebook App, and Instagram.

Brazil: WhatsApp Pay stopped after launch

WhatsApp Payment Brasilien

In Brazil, private WhatsApp users can now send money or pay for products directly in WhatsApp

Update: Today (24.06.2020), WhatsApp Pay was stopped by the Brazilian Central Bank for the time being.

Surprisingly and in contrast to previous developments, WhatsApp announced in a blog post that from June 15, 2020, more than 10 million small and medium-sized businesses and individuals in Brazil will be able to pay and send money via WhatsApp Pay.

For individuals, paying and sending money will be free of charge. For businesses, a small processing fee of 3.99% of the amount is planned, which businesses previously had to pay when processing payments by credit card, for example.

Next to India, Brazil is the second largest market for WhatsApp. More than 91% of Brazilians who have downloaded WhatsApp on their smartphone use the messenger several times a day. In the background of WhatsApp Payment / WhatsApp Pay, Facebook Pay enables the online payment feature on WhatsApp (and not the UPI approach that was used in India).

WhatsApp Pay: First WhatsApp Business App, than WhatsApp Business API?

WhatsApp Pay in Brazil is currently not yet possible for companies via the WhatsApp Business API, but only via the WhatsApp Business app and for private WhatsApp users.

In the long term, Facebook wants to equip its “Family of Apps” with the uniform online payment system Facebook Pay. The advantage of this will be that users of several of these services, such as Facebook Messenger, the Facebook app or Instagram, will only have to deposit one credit card in order to use the payment or sending function across all apps.

India: WhatsApp Pay not yet launched

India has over 400 million active WhatsApp users per month. For the messaging app, this means that India represents the largest market. So it makes sense to carry out such a test there.

In addition, there is another aspect, because the country seems to be predestined for such a test after its cash reform. India also has a large proportion of “mobile-only” users. Over 70% of Internet users in India do not own a PC. While in this country many online purchases are still only made after a mobile search via desktop, mobile payment is leading in India.

In India, users of the latest WhatsApp messaging app can get the payment option (WhatsApp Payment). This applies to both Android and iPhone app users. During the setup process, the user has to confirm their mobile number, and then they can select the appropriate bank.

WhatsApp Pay: Unified Payment Interface (UPI) for WhatsApp payments in India


Source: WABetaInfo

The screenshot shows the setup for WhatsApp Payment via Unified Payment Interface (UPI) in India. This is a real-time payment system developed by the National Payments Corporation of India. UPI enables direct money transfer on mobile platforms. After confirmation by the user, the desired amount is debited from the bank account linked to the mobile number and credited to the recipient.

As the system is independent of opening hours, Sundays or public holidays, it is very popular among the Indian population and is obviously used as a popular alternative for standard transfers.

Europe: Online payment service from WhatsApp also soon in Germany?

Since the new WhatsApp online payment service WhatsApp Pay is so far only available in Brazil via Facebook Pay (as of 24.6.2020: WhatsApp Pay has been stopped in Brazil for the time being) and to a limited extent in India via UPI, the question is also being asked here in Germany whether German WhatsApp users will soon be able to enjoy the service as well. After all, 90% of German Internet users use Messenger, and 81% of them use WhatsApp.

If and when it will be possible to pay via WhatsApp Pay in Germany is currently unknown. Some news portals have already speculated about the future of the WhatsApp Pay service in the past.


Connect.de, for example, wrote in a report, “Whether and when a similar system will be introduced in Germany or Europe, on the other hand, is questionable, since the corresponding infrastructure is not yet established in this country.” However, BusinessInsider.de says, “It is considered likely that the service will also come to Germany.”

If there is more information about other European countries, we will update it here.

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