WhatsApp Pay Unleashed: UPI User Limit Lifted

The National Payments Corporation of India (NPCI) has eliminated the user cap for WhatsApp Pay, allowing it to provide UPI services to its entire user base in India. Previously restricted to onboarding a maximum of 100 million users, WhatsApp Pay can now expand without limitation while adhering to UPI guidelines.

In a significant development, the National Payments Corporation of India (NPCI) has lifted the restrictions on onboarding UPI users for WhatsApp Pay. This move permits WhatsApp Pay to offer UPI services to its entire Indian user base, a leap from the previous phased expansion approach.

NPCI, the governing body for the Unified Payments Interface in India, had earlier set a cap of 100 million users for WhatsApp Pay, controlled through phased user acquisition. This cap removal marks a pivotal moment as WhatsApp Pay can now reach its full potential in the Indian market.

Despite this expansion, WhatsApp Pay is required to comply with all existing UPI guidelines and circulars applicable to Third-Party Application Providers. NPCI's role as an operational backbone for retail payments in India continues under the aegis of the Reserve Bank of India and the Indian Banks' Association.

(With inputs from agencies.)