Facebook’s WhatsApp messaging service rolled out a system across Brazil on Monday that will allow users to send money to individuals or local businesses within a chat, attaching payment as they would a photo or video.

WhatsApp tested the payment system in India beginning in 2018. The Brazil launch will be the first nationwide roll-out and will introduce the ability to directly pay a business.

The company has over 120 million individual users in Brazil, its second largest market behind India.

“WhatsApp is heavily used there, both by people and small businesses,” Matt Idema, chief operating officer of WhatsApp, said of Brazil.

“We think we can help grow digital payments, help grow the digital economy with small businesses, and help support financial inclusion,” he said. Many of Brazil’s small businesses already use WhatsApp as a marketing tool to answer questions or send catalogs, Idema said.

Facebook CEO Mark Zuckerberg said in April that the company was expanding tools for businesses in WhatsApp.

The roll-out in Brazil was long planned, but may help users who are shut in during the coronavirus pandemic, Idema said.

“We can’t have the kind of interactions with each other that we normally would, if you want to lend someone cash or if you want to buy something from a local business,” he said.

Fee to receive

The payment system will use Facebook Pay and be free to individual users, while charging businesses a fee for receiving payments.

Initially, the system will accept payments from debit and credit cards from Banco do Brasil, Nubank and Sicredi, and is working with Cielo to process the payments.