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WhatsApp has to follow all UPI guidelines for payments launch: NPCI

This statement from NPCI comes in the wake of Paytm founder Vijay Shekhar Sharma saying: “Facebook is openly colonizing our payment system".

, ET Bureau|
Feb 17, 2018, 08.07 AM IST
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NPCI it said that it should also offer multiple payment choices to the user thereby promoting digital payments.
The National Payments Corporation of India, the umbrella body for all digital payments in the country and the one which manages the Unified Payments Interface protocol, said that every participating organisation has to follow well defined UPI guidelines and stick to the aim of making the platform interoperable. It said that it should also offer multiple payment choices to the user thereby promoting digital payments.

In the context of the entire debate around digital payments company Paytm accusing NPCI of giving out-of-turn favours to the Facebook-owned messaging platform Whatsapp, the bank owned payments body has said: " NPCI has given its consent to roll out WhatsApp BHIM UPI beta launch with limited user base of 1 million and low per transaction limit. Four banks will join the multi-bank BHIM UPI model in phases (in the coming weeks) and full feature product shall be released after the beta test is successful. Multi-bank model offer advantages such as transaction load distribution between banks and helps to integrate popular apps easily with BHIM UPI."

Further the body said that apps will be enabled for full scale public launch only when they incorporate interoperability, generate BharatQR codes and have both intent and collect payment options.


This statement from NPCI comes in the wake of Paytm founder Vijay Shekhar Sharma saying: “Facebook is openly colonizing our payment system and is customizing UPI to their benefit. UPI was built as an India Stack; now some American monopoly arm-twists UPI for customer implementation,”

He had planned to take the issue to NPCI, and higher authorities as well.

Though it created a huge furore on social media circles, it also managed to get top entrepreneurs of the country stating publicly that incumbents could have been spooked by the entry of Whatsapp with its 250 million user base into the Indian payment scene. Further people who managed to get their hands on the Whatsapp Payments feature also spoke about the excellent payment experience and also the great user interface that the country's largest messaging platform had built.

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