WhatsApp Payments feature based on UPI 

The new feature whats payment with UPI has ben spotted in Android & IOS beta version of the app. Gizmo times reported about the whatsapp UPI based payments while FoneArena highlights the versions where the feature appears to be live.

Some users on Twitter also posted screenshots of the new WhatsApp payments feature. As per the images, the new ‘Payment’ option is listed in the app settings and tapping on it opens a new window where users needs to accept terms and conditions, before enabling the feature. Then, similar to the other UPI based payments apps like Tez and PhonePe, users need to verify their mobile number and add their bank account details to use the payments system.

Reports of WhatsApp testing the new feature surfaced last year in October. The feature was reported to be “intuitive, simple and similar to sending an image, location or a video”. The new feature integrated within the online chat app will surely make payments easier for over 200 million monthly active users in India. It will allow users to transfer funds without exiting the app.

We were not been spoted the feature on the beta version of whatsapp on our android mobile phones.According to reports  iOS beta version v2.18.21 has the UPI-based payment option, while WhatsApp Android running version v2.18.41 has this option reflecting for some users. The option for UPI-based payments shows up in the attachments segment next to Documents, Gallery, Audio, Location, Contact, etc. Based on the screenshots share it looks like once a user taps on Payment, the app will show a list of supported banks. UPI, which stands for United Payments Interface, relies on direct transfers from the bank. A user needs to input their account details, UPI pin for authorising every transaction on the platform.

WhatsApp and Facebook are both working towards UPI-based integration. Facebook, which owns WhatsApp, is expected to bring this feature to its Messenger app. WhatsApp has already gone live with a Business app in India which is aimed at SMEs in the market. A payments feature within the regular version of the app could also add a new use case for small businesses, enterprises which decide to use the WhatsApp Business app to connect with customers.

The GizmoTimes report also adds they were unable to add the bank account to the WhatsApp account for carrying out any transaction. The reason could be that the feature is not yet full supported and WhatsApp is still completing the integration. WhatsApp has been working on UPI payments since last year as it was reported by many publications.



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