WhatsApp will use your ‘legal name’ for UPI payments: This is what it means. technology news

New Delhi: To go ahead with UPI-based payments on WhatsApp, users will now be asked for their “legal” names. These ‘legal’ names match the names of the user’s bank accounts. They will be displayed to the receiver and may differ from the profile names. The National Payments Corporation of India (NPCI) instituted Unified Payments Interface (UPI) rules to tackle payment frauds.

WhatsApp has confirmed this on its official website. According to the statement, “This criterion has been prescribed by NPCI and is aimed at reducing fraud in the UPI payment system.” WhatsApp uses the phone number associated with your account to use UPI to identify your bank account. Your bank account name is the name that will be shared.

Both iOS and Android users will benefit from this change.

Until recently, WhatsApp users could add the sender’s name themselves, which could be up to 25 characters long and could include emoji. To make the payment, all users will now have to provide their legal name as it appears in their UPI linked bank account.

WhatsApp has started sending out app alerts informing users about the upgrade, which includes a link to an FAQ page that states the legal name requirement.

Users can locate the FAQ page under Settings>Help Center>About UPI Payments and the legal name for multiple users.

For illiterate people, the use of digital wallet is not required to make payments or receive money through WhatsApp. The messaging app uses the Unified Payments Interface (UPI) mechanism similar to Google Pay, PhonePe, BHIM and other bank apps. Users of WhatsApp can also pay using other apps like BHIM, Google Pay or Phone Pay.

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