Process Of Sending Money Through WhatsApp व्हाट्सएप से पैसा ट्रान्सफर करने की प्रक्रिया

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Process Of Sending Money Through WhatsApp व्हाट्सएप से पैसा ट्रान्सफर करने की प्रक्रिया

भारत में 6 नवम्बर 2020 से व्हाट्सएप का नया फीचर व्हाट्सएप पे/ WhatsApp Pay शुरू हो गया है। यानी अब व्हाट्सएप से मेसेज, विडियो कालिंग के अतिरिक्त पैसे का लेनदेन भी किया जा सकेगा। इस एप से पैसा भेजना मेसेज भेजने के जितना हीं आसान है। भारत में व्हाट्सएप पे फीचर को लागू करने के लिए एनपीसीआई/NPCI के अनुमोदन का इन्तजार था। नेशनल पेमेंट कारपोरेशन ऑफ़ इंडिया द्वारा अप्रूवल तो दिया गया। किन्तु  केवल 20 मिलियन उपभोक्ताओं तक इस सेवा के उपयोग की सहमति प्राप्त हुयी है। जिसके कारण अभी भारत में व्हाट्सएप के पेमेंट फीचर का उपयोग केवल 20 मिलियन यूजर्स हीं कर सकेंगे। गौरतलब है कि भारत में व्हाट्सएप के 400 मिलियन से अधिक यूजर्स हैं। एनपीसीआई द्वारा इस प्रतिबन्ध को लगाने का कारण किसी भी पेमेंट बैंक के यूपीआई पर एकाधिकार को रोकने के लिए किया गया है। नेशनल पेमेंट कारपोरेशन ऑफ़ इंडिया द्वारा 1 जनवरी 2021 से सभी थर्ड पार्टी एप पर 30% का कैप लगाने के नए नियम को जारी किया जाएगा। वर्ष 2021 से थर्ड पार्टी पेमेंट एप के कुल ट्रांजेक्शन का 30% यूपीआई ट्रांजेक्शन की इजाजत होगी। आइये जाने व्हाट्सएप से पेमेंट करने की विधि।

WhatsApp  Pay kya Hai  व्हाट्सएप पे क्या है

व्हाट्सएप पे फीचर की सहायता से पैसे का लेन देन किया जा सकेगा। व्हाट्सएप पे एक यूपीआई बेस्ड पेमेंट इंटरफ़ेस है। यूनिफाइड पेमेंट इंटरफ़ेस नेशनल पेमेंट कारपोरेशन ऑफ़ इंडिया द्वारा जारी किया गया। इससे पैसे का लेन देन करना सुरक्षित और आसान है। व्हाट्सएप पे के जरिये पैसा यूपीआई का प्रयोग करने वाले सभी उपभोक्ताओं को भेजा जा सकेगा। व्हाट्सएप का प्रयोग नहीं करने वाले उपभोक्ता को भी आप अपने व्हाट्सएप के जरिये पैसा सेंड कर सकेंगे। पैसा भेजने के साथ मेसेज भी लिखकर भेजने की सुविधा है।

WhatsApp Pay Activation Terms & Condition  व्हाट्सएप पे प्रयोग करने की शर्तें

  • यूपीआई  पिन एक्टिवेट होना चाहिए।
  • बैंक अकाउंट और व्हाट्सएप अकाउंट का एक हीं मोबाइल नंबर होना चाहिए।
  • व्हाट्सएप पे से पैसे का लेनदेन करने के लिए दोनों पार्टी का यूपीआई पिन एक्टिवेट होना आवश्यक है।

WhatsApp  Pay Setting Process  व्हाट्सएप पे सेटिंग की प्रक्रिया

  • सबसे पहले स्मार्ट फ़ोन में दिए प्ले स्टोर पर जाकर व्हाट्सएप एप्लीकेशन को अपडेट करना होगा।
  • इसके बाद साइड में सर्च आइकॉन के पास दिए तीन डॉट्स पर क्लिक करना है। इसके बाद मेन्यु में Payments का आप्शन यदि दिखेगा, तभी आप पेमेंट की सेटिंग कर सकेंगे।

Screenshot_2020-11-09-15-37-42-016_com.whatsapp

 

  • अब add payment method विकल्प पर क्लिक करना है।
  • इसके बाद बैंक के नाम का लिस्ट खुल जाएगा। इसमें से अपने बैंक अकाउंट वाले बैंक के नाम का चयन करना है।
  • इसके बाद verify via sms विकल्प पर क्लिक करना है।
  • फिर आपके बैंक अकाउंट से लिंक्ड मोबाइल नंबर पर मेसेज प्राप्त होगा कि आपका रजिस्ट्रेशन यूपीआई एप के लिए शुरू हो गया है।
  • अब आप व्हाट्सएप के जैरिये पैसे का लेनदेन कर सकेंगे।
  • अब यदि आपका यूपी आई पिन अच्तिवाते नहीं है तो यूपी आई पिन सेटअप का विकल्प आएगा।
  • इसके बाद आप व्हाट्सएप पे फीचर का उपयोग कर सकेंगे।
  • पैसा भेजने के लिए उपभोक्ता का मोबाइल नंबर व्हाट्सएप में सेलेक्ट करना होगा। फिर मेसेज लिखने के स्थान पर अटैचमेंट का आइकॉन बना होगा। इस आइकॉन पर क्लिक करने के बाद payment विकल्प पर क्लिक करना होगा। इसके बाद धनराशी लिखना होगा। फिर दूसरे स्क्रीन पर ENTER UPI PIN विकल्प पर क्लिक करना होगा। इसके बाद UPI PIN लिखना होगा और सेंड पर क्लिक करना होगा।

अधिक जानकारी के लिए विडियो देखिये For more information watch video below:

अन्य योजनायें पढ़िए हिंदी में :

मुख्यमंत्री श्रमिक सेवा (प्रसूति सहायता) योजना

एसबीआई स्वधन प्लस बीमा योजना

बिहार मुख्यमंत्री एससी एवं एसटी उद्यमी योजना 2020

 

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