WhatsApp Finally Launches Digital Payments - You can Now Send and Receive Money in Brazil

WhatsApp has released a new payment feature to its popular instant messenger for users in Brazil earlier this month, which provides a faster and more efficient way to send and receive money to/from friends. Hopefully, there will be a wider roll-out to other countries—including Nigeria—in the nearest future.


  • -Whatsapp Finally Launches Digital Payment to Begin In Brazil First
  • - Brazil To Get The Whatsapp Payment Feature First Before Been Available To Other countries

The payments are enabled through Facebook Pay, which parent company Facebook said last year it would be rolling out to Instagram, Messenger, Facebook, and eventually WhatsApp.

The WhatsApp payment system was announced in 2018, it was supposed to be launched during the fourth quarter of last year but was postponed. Thank God, it is finally available, you can now send and receive money through WhatsApp securely within your chat with family, friends, and businesses if you live in Brazil.

According to a blog post from Whatsapp,
The payments service — which currently is free for consumers to use (that is, no commission fee taken) but businesses pay a 3.99% processing fee to receive payments — will work by way of a six-digit PIN or fingerprint to complete transactions.

The payment was built with security, and a six-digit PIN or fingerprint will be required before transactions can be completed. This is to prevent unauthorized transactions.
At the moment, WhatsApp payment is supported by Visa and Mastercard debit and credit cards from Banco de Brasil, Nubank, and Sicredi. WhatsApp also says it is working with Cielo, Brazil’s leading payments processor, and has built an open model to make it easy for more partners to join in the future.

The service is already rolling out to users and should arrive for everyone in the coming weeks.


Although WhatsApp has in theory been working on payments for years; from what we understand, there were a lot of delays in part due to how and where Facebook wanted WhatsApp to implement it. Now that it’s launching with Facebook Pay, it seems that we know how that struggle landed.

"We’re continuing to roll out Facebook Pay on Facebook to more countries outside the U.S. for existing payment experiences, which vary by country and may include experiences such as in-game purchases and fundraisers where already available,” a Facebook spokesperson said. “As we’ve said previously, our goal is to bring Facebook Pay to more people and places over time.”

A WhatsApp spokesperson declined to say more when asked for more specific details about future plans beyond Facebook CEO Mark Zuckerberg’s “More to come soon!”, from his own announcement. But given the link with Facebook Pay, one obvious guess might be that we’ll see payments rolled out in WhatsApp in markets where the former service is now live, which include the U.S. and U.K.
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