WhatsApp will use legal customer names for UPI payments

WhatsApp announced that it will ask users for their legal names to make UPI-based payments on the platform.

These legal names are the names associated with users’ bank accounts. They may be different from profile names and will be displayed to the receiver. This change comes after the Unified Payment Interface (UPI) guidelines were set by the National Payments Corporation of India (NPCI) to combat payment fraud.

WhatsApp has officially confirmed the same on its website. According to the statement, this requirement is defined by the NPCI and designed to mitigate fraud in the UPI payment system. WhatsApp uses the phone number associated with its account to identify the bank account through UPI. The name associated with their bank account is the name that will be shared.

This change applies to iOS and Android users. Until now, WhatsApp users could add the sender name themselves which could include up to 25 characters, even emojis. But now it is mandatory for all users to give the legal name which is on their UPI linked bank account to make the payment.

For the uninitiated, WhatsApp does not require them to have a digital wallet to make payments or receive money on the platform. The messaging app uses the Unified Payment Interface (UPI), the same system as Google Pay, Phone Pay, BHIM, and various banking apps. WhatsApp users can even make payments through other apps such as BHIM, Google Pay or Phone Pay.

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