WhatsApp is a free messaging app available for Android, iOS, Windows platforms. WhatsApp uses your phone Internet connection or Wi-Fi to let you message and call friends and family. Switch from SMS to WhatsApp to send and receive messages, calls, photos, videos, documents, and Voice Messages, video calls, and many features. WhatsApp also provide desktop version released months ago.
WhatsApp started testing out UPI (Unified Payment Interface) based payments feature in India. This payment option only available for selected WhatsApp beta users on iOS and Android. This new interface help to users send and receive money using the Indian government’s UPI standard. This feature available on latest WhatsApp beta version 2.18.21 for iOS, and version 2.18.41 for Android. WhatsApp is largest messaging app in India, more than millions of peoples using in India. Currently many Mobile Banking and Wallets available India. But after WhatsApp new payment payments platform’s integration may give another boost to digital payments.
Before send money though WhatsApp payment, users select their preferred bank account to connect with UPI. After done connect with UPI, you will be asked to create an authentication pin (please keep this pin secret). If you have not yet used the UPI payments platform before, you will have to create a UPI account through the UPI app (PhonePe, BHIM, BHIM SBI Pay, BHIM PNB, etc) or your respective banks official website/applications.
Both the sender and receiver need to have the WhatsApp Payments to successfull transactions. Users have reportedly been facing issues linking their bank accounts to WhatsApp payment, although this is expected from a feature available in beta. WhatsApp invite reports from users, to fix any bugs in this release.