Starting from today, people across India can make payments through WhatsApp. This feature has been developed in partnership with the National Payments Corporation of India (NPCI) using the Unified Payment Interface (UPI).

WhatsApp is working with five leading banks in India –  ICICI Bank, HDFC Bank, Axis Bank, the State Bank of India, and Jio Payments Bank.

Users can send money on WhatsApp to anyone using a UPI-supported app.

To avail of this service, it is necessary to have a bank account and debit card in India.

WhatsApp sends instructions to banks that initiate the transfer of money via UPI between sender and receiver bank accounts. To ensure maximum security and privacy, the payment feature includes entering a personal UPI PIN for each payment.

WhatsApp Pay is available on the latest version of the iPhone and Android app.

“We believe the combination of WhatsApp and UPI’s unique architecture can help local organisations address some of the key challenges of our time, including increasing rural participation in the digital economy and delivering financial services to those who have never had access before,” said WhatsApp in a blog post.