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WhatsApp has begun testing its payment service in India. The feature is available to a select number of users at the moment.
WhatsApp’s payment feature is based on the Unified Payment Interface (UPI) platform. The official roll-out for general public is expected to be announced very soon.
The process of getting the payment feature is very similar to WhatsApp’s voice calling feature, which debuted approximately three years ago. So, if one of your friends who already has received the UPI update on their WhatsApp, you can ask them to invite you to seed the feature.
Note that the feature is only available to the mobile version of the application and not on WhatsApp Web. Also, the payment interface supports UPI services from all major banks including HDFC Bank, ICICI Bank, State Bank of India, Yes Bank, and Airtel Payments Bank.