WhatsApp UPI Payments

WhatsApp UPI Payments Feature Spotted in The Beta Version

Facebook Owned WhatsApp, the world’s most popular messaging application with over 200 million active users in India has started implementing payment platforms for sending and receiving money in the Beta testing version of their Android app. WaBetaInfo reported that the feature is being tested in the latest beta version 2.17.285 and it’s still hidden for normal users. The payment platform will be based on WhatsApp UPI Payments Which works on IMPS protocol.

It is also confirmed by a senior official in the Indian government, that WhatsApp will integrate the UPI (Unified Payments Interface) payment system which is developed by NPCI (National Payments Corporation of India). NCPI had recently confirmed that the UPI payments were over 11.93 million in July.

Read More: Whatsapp Introducing Digital Payments for Indian Users

About WhatsApp UPI Payments

UPI required sending payments through someone’s VPA (Virtual Payment Address) which depends on Aadhar because its UPI bank to bank transfer will be Instant but it’s still not clear how WhatsApp is going to implement them.


The hidden Payments interface says that “Immediate bank to bank transfer with UPI” with a button that says “Accept and Continue” which will allow users to press in order to Agree with WhatsApp’s Payment Terms and Conditions as well as Bank’s Payment Terms and Conditions.

Several other popular messaging services already support payment systems like Hike messenger and Wechat. Wechat allows payment using QR code, while Hike has its own Wallet. Other applications like Facebook also added the payment to its messenger application a while ago in the US.

Truecaller, which is a caller ID Application with over 150 million users In India also implemented payment service which allows users to user transfer in partnership with ICICI bank which also utilizes UPI. There are also several other wallet services already in the race like PayTM, Freecharge and Mobikwik also the Popular Telecom operator Bharti Airtel also entered the market with its payment bank.

Demonetization last year has shown an exponential growth in the number of Transaction and new users for apps such as Paytm and Mobikwik but they don’t have such a huge user base of active users like WhatsApp. WhatsApp will also verify business accounts and users will see a green badge next to their names, to get into the race WhatsApp will be launching the payments service within six months.

Source: WaBetaInfo