Whatsapp recently launched their payment feature which you can use to send payment directly to your friends family and relatives.It is a handy feature and it is different from all other digital wallets such as paytm mobikwik etc. In paytm you need to have the paytm id of the person whom you want to send money or in case of any other digital wallets.But in whatsapp you can directly send to the contact number of the person in condition pf that the person whom you are sending should be using the whatsapp payment feature also.So how to set it up.So the payment features are available to only beta users of the playstore. The payment feature is on testing so only limited users have been able to access it.If you are a beta user u might have got the update you can join the beta program but it is full of queue.You can open your whatsapp application got the settings page their you can see a option pf payments taping on it will take you to a home page and ask you to link banka/c it will only be registered if your sim which is linked to your whatsapp account is linked with your bank a/c also. Then you can send direct payments.So pros_ direct payments to anyoneEase of payment.Cons-you might have send messages by mistake to your friends, so you may have sent out the money also.But overall it is a revolutionary feature by an messaging app