WhatsApp has launched person-to-person payments into beta in India

WhatsApp has launched person-to-person payments into beta in India

WhatsApp has launched person-to-person payments into beta in India

The NPCI has its own UPI-enabled payments app called BHIM. The feature is now in beta, according to sources familiar with the company's plans, but hasn't been publicly announced because it's not widely available at this time. A UPI -based person-to-person payment feature for both Android and iOS was recently spotted by WhatsApp beta testers in India.

The implementation appears to be very simple and straight-forward. After receiving a message, the other user should relaunch the app and Payments will reflect in WhatsApp's settings. The menu also holds a detailed log of your payment history, including the two parties and the bank involved.

Users must then configure the feature by first verifying their phone number via SMS and choosing a bank.

The potential for WhatsApp to dominate Indian P2P payments is strong, given that millions of people have come online in the region thanks to lower-cost data plans and cheap smartphones. Finally, after a few months of delay, some users in the Asian country already have this feature available on their mobile phones, according to the WABetaInfo specialist portal.

UPI works by checking the mobile number with which your bank account is linked. Now to send money to your contact, tap the attachment button, a grid will open containing gallery, send a contact, share location and Payment options etc. It will rely on India's UPI to allow for direct bank transfers. Users have been complaining about problems with linking their bank accounts to UPI, which is to be expected considering the beta status of the feature. Notably, you will be asked to create an authentication pin if you haven't yet used the UPI payments platform. WhatsApp has about 1.5 billion monthly active users globally, out of which 200 million are in India. For this, you would require to input the last six digits of debit card number along with necessary information. But if you don't wish to wait that longer, there is a workaround to speed up the process.

Now to send money, go to a chat with any person, even in a group chat.

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