June 18, 2018

WhatsApp is beta testing p2p mobile payments in India

11 February 2018, 01:18 | Kevin Scott

WhatsApp allows peer-to-peer payments through the Unified Payments Interface infrastructure. Image source WhatsApp

WhatsApp rolls out payment feature

Earlier this week, WhatsApp started testing its Unified Payment Interface-based payment service in India.

If you are sing the beta version 2.18.41 for Android and 2.18.21 for iOS, you will see an option to setup a payment option and pay. Introducing a person-to-person payment feature for all of them gives the messaging application an advantage from the get-go over other digital transaction applications.

If you think that WhatsApp is just a place for memes and forward group messages - here is an afterthought from the messaging app itself- Payment option.

WhatsApp recently rolled out money transfer service in India. The payment option will be available in chats attachment menu along with Documents, Gallery and others. Following this, the option to send a payment is available from the main WhatsApp interface, in the same area where users share photos, videos, contacts or location into their chat session.

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

WhatsApp already made it clear that it has been working on a payment solution for Indian market. The feature is now available only for beta users. Additionally, you will have to create a UPI account (if you don't have one previously) through the UPI app or your respective bank's website/ app.

Moreover, the WhatsApp payments feature seems to be coming exclusively to India. This indicates the final stage of inclusion of WhatsApp payments system on the Android app will be soon launched. 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.

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