How to Set Up Facebook Payments in Messenger

February 14, 2019

Like over 133 million Facebook users, I frequently use the Messenger app to exchange messages (or the occasional viral video) with friends and family.

Facebook Messenger may have started as a simple social media platform, but the app has since expanded. It now includes more advanced features such as video calling, chatbots, and Facebook secret conversations.

In 2015, the social media giant added a new feature to Messenger that allows users to easily send and request money without ever having to open a separate cash transfer app or interrupt your conversation.

This article will cover everything you need to know about making Facebook Payments through Messenger, and step-by-step instructions for how to use the feature.

About Facebook payments

Through Messenger, users are now able to send or request money from their Facebook friends directly within a chat conversation. This peer-to-peer payment system is a convenient way to pay friends without having to exchange cash or download a separate money transfer application.

The platform requires users to be Facebook friends in order to send or request payments from each other. You can send money to individual users, or groups of friends. To combat potential service fees, the feature is only available for use with a debit card or a verified PayPal account, so you can’t use a credit card. The upside? It’s completely free.

Is it safe to pay friends with Messenger?

When it comes to keeping your information safe, Facebook has taken all the necessary measures to make sure their peer-to-peer payment feature is secure for users. All of your payment information is encrypted and stored in a secure environment.

For additional security, you have the option to create a PIN and set up two-factor authentication for your account. You can also enable Touch ID on Apple devices. It’s important to remember never to send or receive money from friends you don’t know, and report any activity that appears suspicious.

Not sure how? Follow this guide to learn how to report someone on Facebook.

Setting up Facebook payments

If you frequently use Messenger to chat with your friends, then using the Facebook Payments feature can be a quick and hassle-free way to complete a transaction without interrupting your existing conversation. If you already have a Facebook account, you can get started right away.

To get started, you’ll need to navigate to your profile screen in the Facebook Messenger app. You can do this by clicking your profile picture in the top-left corner of the screen.Access your Profile Settings

Select payments

Once in your profile settings, scroll down and tap Payments.

payments in Facebook Messenger settings

Fill out your payment information

From there, you will be prompted to fill out your payment information. At this point, choose to add a debit card or sync your PayPal account. Keep in mind, the account you enter in this field is where your funds will be pulled from.

Optional: Include a personal identification number for added security. If you choose to set up a PIN, make sure this is a number that is unique and not easy to guess. For users with iOS devices, you can also enable Touch ID. 

payment security settings in Facebook Messenger

Once you do this, you are done with the set up and are now able to start sending and receiving money. Since payment is transferred directly through a debit card or PayPal account, there is no fee for either user.

How to send or request a Facebook payment

To send or request a payment from a friend, start a conversation with them by searching their name. Once the conversation is open, tap the money icon that appears to the left of the text box.

money icon in Facebook Messenger


Select the amount, add a note (e.g. groceries) and click “Request” or “Pay” to complete your transaction.

pay or request in Facebook Messenger


With either action, the payment details will show up in the conversation and can easily be actioned by the other party. If your friend denies your payment request, you will receive a notification.

There’s no limit on the amount of money that a user can send or request, so it’s up to you to decide the amount you’d like to transfer. You can’t cancel money after you’ve sent it, so always make sure to double-check the amount before finalizing your payment.

How to receive a Facebook payment

If a friend completes your payment request or sends you a new payment, you will be notified via the Messenger app. Unlike other popular money transfer applications, Facebook never holds the money. Instead, it will immediately be transferred to the debit or PayPal account that you provided in your settings. Both parties will be notified when the status of a transaction changes.

Note: Your bank may take several business days to process the transaction before the money shows up in your account.

Make a group payment

To make a payment to a group of Facebook friends, you’ll need to start a group conversation. Once you have the conversation open, tap the money icon.

money icon for group Facebook payment 
The next step is to choose who you want to send or request money from. You can select the entire group, or only a few members.

select friends for facebook payment

From here, the process is the same as paying an individual user. You’ll enter the amount, add a note and submit your request. Similar to individual payments, you can track the status of the group’s transactions in the conversation. 

You’re ready to make your first payment!

Now that you’re all set up, paying your friends back or splitting that dreaded group dinner bill is as easy as opening Messenger and starting a new conversation.

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