WhatsApp Expands Payment Options for Indian Users to Include Credit Cards and UPI Apps

The Meta-owned platform has partnered with PayU and Razorpay to facilitate payments via credit and debit cards, net banking, and all UPI (Unified Payments Interface) apps in India. This initiative aims to simplify the process of paying Indian businesses within WhatsApp chats, providing users with the flexibility to choose their preferred payment method.

With over 500 million users in India, WhatsApp is seeking to leverage its massive user base to strengthen its presence in the country's digital payments landscape. While the platform introduced payment services in India in 2020, it faces stiff competition from established players like Google Pay, PhonePe, and Paytm. WhatsApp's latest move is expected to enhance the user experience for both customers and businesses, making the app a more attractive commerce solution.

WhatsApp Business, which has over 200 million monthly active users worldwide, is a significant revenue source for the platform. By offering enhanced payment options and in-app shopping experiences, WhatsApp aims to boost revenue and encourage more users to shop through its platform without relying on subscriptions or ads in chats.