The establishment’s of WhatsApp payment service  in 2018 but it was not a complete available to everyone. And it Just like PayTM or Google Pay, WhatsApp payments let you transfer money using UPI (Unified Payments Interface). And now The feature is now live to all users in India. And recently Mark Zuckerberg says, “Now you can send money to your friends and family through WhatsApp as easily as sending a message. There’s no fee, and it’s supported by more than 140 banks. And because it’s WhatsApp, it’s secure and private too.
Digital payments are really important right now. the sender and receiver both have UPI linked bank account, they will be able to send and receive money And now this feature has been launched after WhatsApp received approval from the National Payments Commission of India to operate its payments service using the Unified Payments Interface (UPI).What’s app has been designed in partnership with the National Payments Corporation of India or NPCI, and it is based on the Unified Payments Interface or UPI. To get started you need to be on the latest version of WhatsApp for Android or iOS. And your  WhatsApp number should be the same number that’s linked to your bank account too.
According to the Facebook CEO Mark Zuckerberg said in a statement.we’ve built it using India’s Unified Payments Interface, which makes it easy for anyone to instantly accept payments across different apps — and for companies to provide people with great services.WhatsApp has five partnered with five leading banks including ICICI Bank, HDFC Bank, Axis Bank, the State Bank of India, and Jio Payments Bank to enable UPI payments in India. To send or receive money through WhatsApp Pay, you first need to have a bank account and a debit card.
Whatsapp have approved by NPCI, WhatsApp Payments will allow for UPI-based transactions in a ‘graded manner.’ This means that it will initially be available for 20 million UPI users in India and will operate based on the multi-bank model. NPCI also introduced a cap of 30% on UPI transactions by third-party app providers (TPAP), starting January 1, 2021.

How to you can start and use it?

-Once the above steps are completed, open WhatsApp and click on the three dots menu at the top right corner and click on Payments. And  WhatsApp allows you to send money only to those contacts that have registered for WhatsApp Payments. If you try to send money to a contact that has not enabled the service, you get an option to notify the user to enable payments to receive money. 
-Click on ‘Add payment’ next and select the bank that you have an account in-WhatsApp will ask for verification of your phone number and phone number and show your bank account.-Click on your bank account and then, click on ‘Done’.Your UPI ID, your payment history and your linked bank accounts will be displayed
-You will now be able to send money to those contacts that have registered for WhatsApp Payments.-Just open the chat window with any contact, click on the file share icon and select the payment option and -You can then initiate payment to contact and also receive money in the same manner.
WhatsApp has over 400 million monthly active users in India, and it has received approval to offer payment services to 20 million users initially. To register for WhatsApp Payments, all you need is a WhatsApp account with an Indian number, a bank account and a debit card. Here The news was significant enough for Facebook CEO Mark Zuckerberg to create a video (embedded below) explaining some of its features.
“Now you’re going to be able to easily send money to your friends and family through WhatsApp just as easily as sending a message,” said Zuckerberg. 

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