The National Payments Corporation of India (NPCI) has officially lifted the user onboarding limit for WhatsApp Pay, allowing the messaging platform to extend its Unified Payments Interface (UPI) services to all Indian users. This change marks a significant step in expanding WhatsApp Pay’s user base across the country.
Previous Onboarding Restrictions
Before this update, WhatsApp Pay was operating under a phased onboarding process. The platform gradually expanded its user base with approval from NPCI, which allowed it to onboard a limited number of users at a time. Now, with the cap lifted, WhatsApp Pay can onboard users without restrictions, helping to increase its reach significantly.
Even though the user cap has been removed, WhatsApp Pay will continue to follow all the necessary UPI guidelines and regulations set for Third-Party Application Providers (TPAPs). This ensures that the platform remains compliant with the security and operational standards of the UPI ecosystem.
WhatsApp Pay Reach in India
The lifting of the onboarding limit is expected to have a major impact on WhatsApp Pay’s growth in India. As one of the most popular messaging apps in the country, this move will allow WhatsApp Pay to offer its services to a much larger audience, making it easier for millions of Indian users to access UPI-based payment solutions directly through the app.
About WhatsApp Pay
WhatsApp Pay is a digital payment service launched in India by WhatsApp, a subsidiary of Meta (formerly Facebook). It allows users to send and receive money directly through the WhatsApp messaging platform, leveraging the National Payments Corporation of India’s (NPCI) Unified Payments Interface (UPI). With a focus on simplicity and security, WhatsApp Pay aims to make digital transactions accessible to a wide audience, including those in rural areas.
The service is integrated seamlessly within the app, enabling users to link their bank accounts and make instant payments or transfers without leaving the chat interface, making it user-friendly and convenient.
