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We Chat Pay can be used for digital payments, as well as payments from participating vendors.In 2014 for Chinese New Year, We Chat introduced a feature for distributing virtual red envelopes, modelled after the Chinese tradition of exchanging packets of money among friends and family members during holidays.Vetted third parties, known as "official accounts", offer these services by developing lightweight "apps within the app".

A month after its launch, We Chat Pay's user base expanded from 30 million to 100 million users, and 20 million red envelopes were distributed during the New Year holiday.

In 2016, 3.2 billion red envelopes were sent over the holiday period, and 409,000 alone were sent at midnight on Chinese New Year.

Users can acquire a balance by linking their We Chat account to their debit card, or by receiving money from other users.

Users who link their credit card can only make payments to vendors, and cannot use this to top up We Chat balance.

The service account is for businesses or organizations to access more advanced features on We Chat.

It offers more Application Programming Interfaces (APIs) than subscription accounts, and companies and organizations can create their own applications based on We Chat APIs.

Users can send previously saved or live pictures and videos, namecards of other users, coupons, lucky money packages, or current GPS locations with friends either individually or in a group chat.

We Chat's character stickers, such as Tuzki, resemble and compete with those of LINE, a Japanese messaging application.

Privacy in We Chat works by groups of friends - only the friends from the user's contact are able to view their Moments' contents and comments.

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