Ujjwal Kumar
National Payments Corporation of India (NPCI) ne Thursday ko announce kiya ki WhatsApp Pay service India me launch ho sakta hai. NPCI ne kaha WhatsApp ke iss service ko “graded manner” me rollout karne ki permission di jaegi. However, sabse pahle UPI me jada se jada 20 million (2 crore) registered users ko ye service milegi. However, PhonePe haal he me announce kiya hai ki phonepay ka users 25 crore se jada ho gaya hai. Also, NPCI announce kiya hai ki January 2021 se, such third-party apps will be capped at 30 percent for all future transactions.
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Affect On Google Pay And PhonePe
This limit in transactions will have the biggest impact on Google Pay and PhonePe. However, recent report ke according 40 percent UPI transactions India me hota hai. However,Recently, Competition Commission of India (CCI) Facebook-owned instant messaging platform ke against case dismiss kar diya. Jisme kaha gaya tha ki company ne desh ke digital payment market ko badhane ke liye galat raasta nahi apnaaya hai. WhatsApp Pay India me bahut pahale he launch kiye jaane kee ummeed thee. However, Last year Diwali ke samay ek announcement kee bhee ummeed thee.
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Free To Use
As with all UPI services, WhatsApp Pay free hai. Users se iska charge nai liya jaega. WhatsApp’s ki transaction limit Rs 1,00,000 hai. WhatsApp ne abhi tak bank account number ke through yaa IFSC code use karke fund transfer enable nahi kiya hai.
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India-Only Service
WhatsApp payment use karne ke liye, aapko Indian number se apna Indian bank account number link karna hoga. However, Jo log international numbers use karte hai woh WhatsApp’s payment service ko use nahi kar payenge. Furthermore, To make payments using the service, aapko UPI passcode ka jarurat hoga. However, Agar aapke paas UPI app already hai toh aap same code use kar sakte hai.
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Works With Third-party Apps
WhatsApp Pay ka use UPI enabled logo ke liye fund transfer ke liye kiya ja sakta hai. However, uss paise ko aap dusre aap se bhi transfer kar sakte hai jaise ki Google Pay, Phone Pay, and BHIM. Furthermore, All you need to do is enter Google Pay, BHIM, Phone Pay or other UPI ID to transact using WhatsApp Pay.
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I am currently pursuing my B.Tech(CSE)+L.L.B specialization in Cyber Law from UPES, Dehradun.
