The National Payments Corporation of India (NPCI<\/a>) has allowed messaging platform WhatsApp to increase its user limit for digital payments through UPI ( Unified Payments Interface<\/a>) to 100 million, a two and a half times jump from the earlier cap of 40 million, said people aware of the matter.

In November last year, the NPCI had allowed
WhatsApp Pay to double its user base from the previous limit of 20 million.<\/a>

WhatsApp had sought permission for UPI payments for all its users in India in one go without any cap. However, the NPCI has granted it an increased limit of 100 million, said the people.

NPCI confirmed the development in a late night statement on Wednesday, while a spokesperson for
WhatsApp Pay<\/a> did not immediately respond to ET's queries.

The increase in WhatsApp Pay’s user base is likely to disrupt the current market leadership of leading UPI apps such as PhonePe and Google Pay. It comes at a time when Tata Digital has also made its debut on UPI and is expected to emerge as a significant player.

While new entrants are expected to make a dent in the UPI market share dynamics, industry executives said WhatsApp has the best chance to shake the market given its large user base of at least 400 million monthly active users for its messaging service.

With the increased limit, the much debated market share cap issue of UPI will be put to test.

The NPCI has mandated that no one player can process more than 30% of the total transaction volumes of UPI during a three-month period. However, existing players such as PhonePe and Google Pay were given time until the end of 2022 to comply with the order.

Walmart and Flipkart-owned PhonePe’s CEO Sameer Nigam had told ET in September last year that he wasn’t worried about the market share cap. He had said that he was complying with all the rules and there was little he could do to reduce his platform’s market share. “I would like to believe that this is now user preference starting to play out based on success rate (of transactions) and acceptance,” he had said.
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WhatsApp支付允许用户增加到1亿从现有的4000万人

WhatsApp支付能够扩大其用户数量可能会破坏当前的市场领导领导UPI应用像PhonePe和谷歌支付。这也正值塔塔数码也对UPI首次亮相,预计将成为一个重要的球员。

Digbijay Mishra
  • 更新于2022年4月14日07:44点坚持

印度的国家支付公司(NPCI)允许消息传递平台WhatsApp增加其用户限制为数字支付通过UPI (统一的支付接口)到1亿年,两个半倍从4000万年早些时候帽说,人们意识到这件事。

去年11月,NPCI允许的WhatsApp工资翻倍从2000万年以前的限制其用户群。

WhatsApp寻求许可了UPI支付印度所有的用户在一个没有任何限制。然而,NPCI授予它1亿年增加限制,人们说。

NPCI周三晚间的一份声明证实了发展,而发言人WhatsApp支付没有立即回复记者等的查询。

广告
WhatsApp支付的用户基数的增加可能会破坏当前的市场领导领导UPI PhonePe和谷歌支付等应用。这正值塔塔数码也首次亮相UPI,预计将成为一个重要的球员。

而新进入者将削弱UPI市场份额动力学,业内高管表示WhatsApp有最好的机会动摇的市场由于其庞大的用户基础,至少有4亿每月活跃用户的通讯服务。

增加限制,多讨论市场份额帽UPI将测试的问题。

NPCI没有规定,一名球员可以处理30%以上的总交易量UPI三个月期间。然而,现有的球员如PhonePe和谷歌支付给定的时间,直到2022年底,遵守秩序。

沃尔玛和Flipkart-owned PhonePe首席执行官Sameer尼噶告诉ET去年9月,他并不担心市场份额上限。他说,他遵守所有的规则,几乎没有他可以减少平台的市场份额。“我愿意相信这是现在用户偏好开始上演基于成功率(事务)和接受,”他说。

  • 发布于2022年4月14日07:43点坚持
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The National Payments Corporation of India (NPCI<\/a>) has allowed messaging platform WhatsApp to increase its user limit for digital payments through UPI ( Unified Payments Interface<\/a>) to 100 million, a two and a half times jump from the earlier cap of 40 million, said people aware of the matter.

In November last year, the NPCI had allowed
WhatsApp Pay to double its user base from the previous limit of 20 million.<\/a>

WhatsApp had sought permission for UPI payments for all its users in India in one go without any cap. However, the NPCI has granted it an increased limit of 100 million, said the people.

NPCI confirmed the development in a late night statement on Wednesday, while a spokesperson for
WhatsApp Pay<\/a> did not immediately respond to ET's queries.

The increase in WhatsApp Pay’s user base is likely to disrupt the current market leadership of leading UPI apps such as PhonePe and Google Pay. It comes at a time when Tata Digital has also made its debut on UPI and is expected to emerge as a significant player.

While new entrants are expected to make a dent in the UPI market share dynamics, industry executives said WhatsApp has the best chance to shake the market given its large user base of at least 400 million monthly active users for its messaging service.

With the increased limit, the much debated market share cap issue of UPI will be put to test.

The NPCI has mandated that no one player can process more than 30% of the total transaction volumes of UPI during a three-month period. However, existing players such as PhonePe and Google Pay were given time until the end of 2022 to comply with the order.

Walmart and Flipkart-owned PhonePe’s CEO Sameer Nigam had told ET in September last year that he wasn’t worried about the market share cap. He had said that he was complying with all the rules and there was little he could do to reduce his platform’s market share. “I would like to believe that this is now user preference starting to play out based on success rate (of transactions) and acceptance,” he had said.
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