WhatsApp LLC (“WhatsApp,” “our,” “we,” or “us”) provides messaging, Internet calling, and other services to users around the world, including the ability to send and receive payments (“Payments”) through the use of Meta Pay, a service provided by Meta Platforms, Inc., and payment processing services provided by third-party payments service providers or financial institutions (“Payments Processors”). Payments is a “Service” as defined in the WhatsApp Terms of Service (“WhatsApp Terms”) or a “Business Service” as defined in the WhatsApp Business Terms of Service (“WhatsApp Business Terms”). The following WhatsApp Payments Terms of Service (“WhatsApp Payments Terms”) supplement the WhatsApp Terms or WhatsApp Business Terms, as applicable, when you use Payments. By using Payments, you agree to the following WhatsApp Payments Terms. If there is any conflict between these WhatsApp Payments Terms and the WhatsApp Terms or WhatsApp Business Terms, these WhatsApp Payments Terms control solely with respect to your use of Payments and only to the extent of the conflict.
Our Role. We provide a convenient platform for you to set up and use payment methods on Meta Company Products, and relay transaction instructions for processing, as permitted in your jurisdiction. Once you have set up Payments, you are able to send and, where available, receive money from other WhatsApp users who have set up Meta Pay on WhatsApp or make payments to sellers. We are not a licensed financial or payment institution; do not receive, transfer, process, or store any funds in connection with Payments; and do not act as service providers to Payments Processors. You may not be able to register for payments or may experience limited functionality depending on your financial or payment institution. The ability to send or receive messages with a payment is a Service provided by WhatsApp.
Meta Companies’ Role. When you use Payments, Meta Platforms, Inc. will save your payment method for use on Meta Company Products, relay your transaction instructions, and provide other services to you according to the Meta Terms of Service and other terms referenced therein. In connection with Payments, Meta Companies do not receive, transfer, process, or store your funds.
Payments Processors’ Role. When you use Payments, Payments Processors receive, transfer, process, or store funds; charge your payment credentials; obtain a pre-approval from your financial or payment institution; or provide other services in connection with Payments in accordance with their own terms. The services provided by Payments Processors with respect to Payments may be subject to the supervision of financial regulators.
Age. You must be at least 18 years old to use Payments.
Credits. You may be credited for certain purposes, including rewards and special offers, for which separate terms may apply.
Fees and Taxes. You must pay any applicable fees arising out of your use of Payments, including any overdraft, transaction, or other fees charged by your financial or payment institution or the Payments Processor. You must comply with applicable tax laws in connection with your use of Payments, including reporting and payment of any taxes related to transactions made through Payments and any income received from such transactions. WhatsApp is not responsible for withholding, collecting, reporting, or remitting any sales, use, value added, or other tax arising from any transaction you complete using Payments.
Payments in Brazil. In Brazil, personal Payments to friends and family are provided in WhatsApp through Meta Pay in cooperation with Facebook Pagamentos do Brasil Ltda. (“Facebook Pagamentos Brasil”), a Brazilian limited liability company authorized by the Brazilian Central Bank that operates as a payment institution in the modality of payment initiator service provider. Facebook Pagamentos Brasil is not a Payments Processor under these WhatsApp Payments Terms. The Facebook Pagamentos Brazil Terms of Service also apply to personal Payments to friends and family in Brazil. Users in Brazil may view the Payments Processor’s terms here.
Payment Amount. You are responsible for the total payment amount for your transactions using Payments. You must ensure that you have sufficient funds before executing any transaction through Payments.
Acceptable Use of Payments. You must access and use Payments only for legal, authorized, and acceptable purposes, according to our WhatsApp Terms or WhatsApp Business Terms, as applicable, and posted policies, including merchant policies as may be published from time to time. We may impose limits on your ability to send or receive payments, including by setting transaction limits. Deleting WhatsApp or your payment method before a transaction is complete may result in that transaction failing. WhatsApp may also cancel any transaction if we believe the transaction violates the WhatsApp Terms, WhatsApp Business Terms, these WhatsApp Payments Terms, posted policies, Meta Companies’ terms or privacy policies, or the Payments Processor’s terms, or if we believe doing so may prevent financial loss or fraud, or protect the security of our users and others. When registering for or using Payments, you must provide accurate, current, and complete information and keep your information updated.
Selecting Recipients. Not all WhatsApp users are ready or able to receive payments. If you send a payment to a user who has not registered for Payments, the Payments Processor may deduct or place a hold on your payment until the recipient registers and performs all the steps needed to receive funds, or until the payment expires, after which the Payments Processor will reverse the payment or release the hold. You may contact the recipient before sending payments to verify whether they are ready to receive payments.
Purchase Transactions. Purchase transactions may not be available in every country and require the seller to have a merchant account. If you use Payments to pay for goods or services, you agree to make legitimate purchases and to be bound by any terms of sale that the seller might offer. We have no responsibility for any goods or services purchased using Payments, including for any claims, damages, losses, liabilities, chargebacks or disputes associated with transactions. WE MAKE NO WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, WITH RESPECT TO ANY PRODUCTS OR SERVICES PURCHASED USING PAYMENTS.
Business Use of Payments. You may not use Payments to receive business, commercial, or merchant payments, such as for the sale of goods or services. To receive business, commercial, or merchant payments, you must register for a merchant account, meet specific requirements and agree to separate terms of service as a business when this service is available in your country.
Payment Transactions Are Final. Once you submit a payment through Payments, it is final. WhatsApp does not have control over the payment and therefore cannot provide refunds or facilitate chargebacks. WhatsApp is not responsible for service interruptions or failures or acts or omissions of other Meta Companies, Payments Processors, or payment systems, or financial or payment institutions, including the payment, settlement, and clearance of funds or for unauthorized transactions. We assume no responsibility for the underlying transaction. of funds, or the actions or identity of any Payments recipient or sender.
We may amend or update these WhatsApp Payments Terms. We will provide you notice of amendments to our WhatsApp Payments Terms, when appropriate, and update the “Last Modified” date at the top of our WhatsApp Payments Terms. Your continued use of Payments confirms your acceptance of our WhatsApp Payments Terms, as amended. If you do not agree to our WhatsApp Payments Terms, as amended, you must stop using Payments. Please review our WhatsApp Payments Terms from time to time.