Instagram isn’t just about filters and followers anymore—it’s becoming a platform where social interaction and digital payments collide. Whether you’re a content creator, a small business owner, or just someone who wants to split the bill with a friend, Instagram now offers various ways to send and receive money directly through the app. In this guide, we’ll explore how Instagram payments work, what methods are available, and how you can start receiving or withdrawing funds using the app.

 

Can You Send Money Through Instagram?

Yes, Instagram now supports sending money, primarily through its built-in Meta Pay system. Meta Pay, previously known as Facebook Pay, allows users to send money directly through Instagram’s messaging feature in select regions. This feature works similarly to sending money through apps like Venmo or Cash App but with the added benefit of doing it inside a social media platform you already use daily.

To send money:

• Open a chat with the person you want to pay 
• Tap the “$” or “Pay” icon 
• Enter the amount and payment method 
• Hit send—it’s that easy 

Both users need to have Meta Pay enabled. The transaction happens inside the chat and is confirmed with a receipt message, making the process seamless and social.

 

Instagram Payment Methods

Instagram offers a variety of payment methods depending on how you intend to use the platform:

1. Peer-to-Peer Transfers

Using Meta Pay, you can transfer money to another user within a direct message. All you need is a connected debit card or PayPal account. This is ideal for casual payments like splitting lunch or paying for a shared subscription.

2. Shopping & Business Transactions

Instagram Shopping allows creators and businesses to tag products in posts and stories. When a user taps on a tag, they can check out using Meta Pay without leaving the app. Businesses can connect their Instagram Shop with external services like Shopify or BigCommerce to streamline this process.

3. Donation and Creator Payments

Users can also send money to creators during Live videos using badges. These small digital purchases help fans support their favorite influencers while increasing engagement.

4. External Payment Links

While Meta Pay is Instagram’s native system, creators and sellers often add third-party links like PayPal, Stripe, or Linktree to receive payments for services, digital products, or commissions.

 

How to Receive Payment on Instagram

Receiving money on Instagram is simple once you’ve completed a few setup steps. Whether you’re a creator offering digital content, an online seller, or someone sharing expenses with a friend, you can receive funds through the app.

Here’s how to get started:

1. Switch to a Professional Account: Go to Settings → Account → Switch to Professional Account. 
2. Enable Meta Pay: Under your profile settings, access Meta Pay and connect a payment method (like a debit card or PayPal). 
3. Receive Payments in Chat: If someone sends money through a DM, it will appear instantly in your Meta Pay balance or transfer to your chosen payment method. 

If you’re running a business account, you can also receive funds from product purchases or Instagram Live badges. These earnings are viewable under the Professional Dashboard and are paid out based on Instagram’s payout schedule.

 

How Do I Withdraw Money from Instagram?

Money sent through Instagram is processed via Meta Pay, which is linked to your preferred payment method. You can withdraw funds in two primary ways:

1. Linked PayPal or Debit Card

If you’ve linked a PayPal account or debit card, money sent to you through Instagram DMs will be deposited there. Withdrawals from PayPal to your bank typically take 1–3 business days.

2. Instagram Earnings (for Businesses/Creators)

If you’re earning through features like badges or Instagram Shopping:

• Go to your Professional Dashboard 
• Tap on Payouts 
• Add your bank account details 
• Instagram transfers eligible funds on a monthly basis 

You can monitor payout history and make changes to your withdrawal method at any time.

Bonus: Tips for Safe Transactions on Instagram

1. Only transact with trusted users 
2. Enable two-factor authentication 
3. Use secure payment methods like Meta Pay or PayPal 
4. Avoid sharing personal financial details in chat 

These precautions ensure your transactions are smooth, secure, and protected from fraud.

 

Instagram as a Business Tool

If you’re looking to monetize your content or build a side hustle, Instagram can be a powerful business tool:

• Sell digital or physical products directly through your profile 
• Offer paid promotions or brand deals 
• Host live sessions with badge support 
• Drive followers to external payment platforms for custom services 

With Instagram’s growing e-commerce features, even small creators can start earning from their following without a traditional store setup.

 

Grow Your Audience First

While Instagram gives you the tools to earn, one thing still matters most: your audience size. A larger, more targeted audience means more meaningful engagement, higher conversion rates, and stronger brand partnerships.

If you’re ready to level up your growth, consider the smart move to buy targeted Instagram followers. This allows you to attract users who are genuinely interested in your niche, increasing the visibility and impact of every post you share.

By focusing on quality followers aligned with your content, you’ll not only boost your reach but also maximize how much revenue you can generate through Instagram’s built-in payment and monetization features.

Final Thoughts

Instagram’s payment features bring convenience, creativity, and commerce into one space. From casual money transfers to running a digital storefront, the platform continues to evolve into a one-stop hub for creators, consumers, and entrepreneurs.

To fully capitalize on these opportunities, many users choose to buy Instagram followers as a strategic way to boost visibility, build social proof, and attract more paying customers.

By understanding how Meta Pay works, enabling the right tools, and strengthening your audience, you can turn likes into leads—and followers into customers.

FAQ’s About Sending Money on Instagram

Can you send money through Instagram DM?
Yes. If both parties have Meta Pay set up, money can be transferred securely through a Direct Message.

How do I enable money on Instagram?
Go to Settings → Accounts Center → Payments, then connect your debit card or PayPal account to activate Meta Pay.

Why can’t I pay on Instagram?
You may be in a country where Meta Pay isn’t supported yet, or your app may need updating. Also, ensure your payment method is valid and active.