Como transferir dinheiro para amigos no WhatsApp


Recurso no aplicativo permite fazer transferências bancárias sem sair das conversas. Em breve, será possível fazer pagamentos de usuários para empresas usando cartões de crédito, de débito e pré-pagos. Blog mostra o que fazer caso o WhatsApp não consiga receber e enviar informações pelo Wi-Fi.
REUTERS/Thomas White
A autorização do Banco Central para o WhatsApp lançar o recurso em que usuários podem comprar com cartões de crédito, de débito e pré-pagos dentro de conversas voltou a chamar atenção para o serviço de pagamentos do aplicativo.
Lançado em maio de 2021, o recurso do WhatsApp permite fazer transferências instantâneas e sem taxas, mas dependia dessa liberação para poder ser usado em pagamentos para empresas.
O BC determinou na última quinta-feira (2) que, mesmo com a autorização, o app deverá aguardar no mínimo 30 dias antes para disponibilizar a funcionalidade. Segundo a autarquia, esse intervalo é necessário para informar todos os parceiros, respeitando princípios concorrenciais.
O chefe do WhatsApp para a América Latina, Guilherme Horn, informou que o pagamento de usuários para empresas em conversas no aplicativo será liberado “em breve”.
Enquanto isso não acontece, só é possível fazer transferências entre pessoas físicas. Confira abaixo como configurar o recurso do WhatsApp que permite enviar dinheiro para amigos.
Na tela da conversa, toque sobre o ícone “R$” – outra opção é clicar no ícone do clipe de papel e selecionar “Pagamento”;
Digite o valor da transferência e, se quiser, escreva um recado;
Na primeira transferência pelo WhatsApp, é preciso cadastrar um cartão clicando em “Começar”;
Na tela seguinte, leia os detalhes sobre o recurso e selecione “Continuar”;
Marque a caixa de seleção para indicar que você concorda com os termos e toque em “Continuar”;
Crie uma senha de seis dígitos e confirme a opção – também é possível cadastrar a impressão digital se o celular tiver o leitor;
Insira seus dados (nome completo, CPF e CEP) e toque em “Avançar”;
Adicione seu cartão de crédito;
Verifique seu cartão pelo app do banco ou por e-mail;
Para concluir a transferência, toque em “Enviar pagamento” – se quiser completar o processo, mas não quer fazer a transferência, toque em “Continuar”.
Recurso de pagamentos do WhatsApp
Reprodução/WhatsApp
Também é possível pedir uma transferência de um contato. Para isso, basta clicar no ícone de “R$”, selecionar a aba “Solicitar” e informar o valor desejado.
Depois de configurar seu método de pagamento, é possível adicionar ou remover cartões a qualquer momento. Para revisar os dados cadastrados, basta clicar em ⋮ (Mais opções) no Android ou em “Configurações” no iPhone e, em seguida, selecionar a opção “Pagamentos”.
ATENÇÃO: criminosos podem roubar perfis de WhatsApp para pedirem dinheiro para os contatos da vítima. Se você receber algum pedido de dinheiro pelo aplicativo, o mais indicado é conversar com a pessoa por outro meio, como telefone, para confirmar que ela realmente enviou a mensagem.
LEIA TAMBÉM
Comunidades, conversar com você mesmo e mais: veja as últimas novidades do WhatsApp
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Fonte: Folha | G1 | Olhar Digital

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