About
WhatsApp Pay is the payments feature inside WhatsApp in India, run by WhatsApp as an NPCI-approved Third-Party Application Provider on the UPI rail. A user links a bank account once, then pays any UPI-enabled contact from within a chat, entering their UPI PIN for each payment; money moves directly between bank accounts and the confirmation appears in the conversation. WhatsApp holds no balance and does not store the PIN. NPCI approved the service in November 2020 with SBI, ICICI Bank, HDFC Bank and Axis Bank as partner banks under a user cap, which it lifted entirely on 31 December 2024.
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