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WhatsApp Pay is an in-chat payment feature that allows users to make transactions via WhatsApp to their contact list. It is UPI-based payments service that allows you to both send and receive money. It was developed by the National Payments Corporation of India (NPCI).
When was WhatsApp Pay introduced?
WhatsApp Pay was launched in February 2018 in India as part of a trial run. Payments through WhatsApp were introduced to a million users under a partnership with ICICI Bank. On February 7, 2020, the messaging app received NPCI's approval to roll out its digital payment service in a phased manner. In the first phase, WhatsApp will offer payment services to 10 million users in the country.
How to enable WhatsApp Pay?
To use WhatsApp Pay, a user must initiate a payment to a contact. Once the request is received, the user can set up their UPI account on WhatsApp.
How to use WhatsApp Pay?
Users can send money directly through chat by tapping on the share file icon and selecting ‘payment’. The ‘payment’ section is available on the shortcut menu. Users can check their transaction history and account details in that section. The payment system works on the Unified Payments Interface (UPI) method, where fund transfers can be initiated without having to provide bank account numbers and IFSC codes of recipients.
WhatsApp Pay: Modes of transaction
WhatsApp Pay allows users to send money only to their contacts after which it enables UPI ID. WhatsApp Pay users could enter the UPI ID and send money. Through QR code, WhatsApp users can also send money to people who are not in their contact list.