New Delhi, Tech Desk. WhatsApp will now ask users for their ‘legal’ names to move forward for UPI-based payments on the platform. These ‘legal’ names are the names associated with the users’ bank accounts. Please note that these names may be different from profile names and will be displayed to the receiver. The change comes after the National Payments Corporation of India (NPCI) laid down Unified Payments Interface (UPI) guidelines to crack down on payment frauds.

WhatsApp UPI payments now require ‘legal name’

WhatsApp has officially confirmed this on its website. According to the statement, “This requirement has been set by NPCI and is designed to reduce fraud in the UPI payment system. WhatsApp uses the phone number linked to your account to identify your bank account through UPI.” The name associated with your bank account is the name that will be shared. This change is applicable for both iOS and Android users.

Till now, WhatsApp users could add the name of the sender themselves, which could include up to 25 characters along with the emoji. But now, it is mandatory for all the users to give a legal name on their UPI linked bank account to make the payment. To notify users about this update, WhatsApp has started sending notifications to the app. It contains a link to an FAQ page that educates users about the legal name requirement.

For the unaware, WhatsApp does not require you to have a digital wallet to make payments or receive money on the platform. The messaging app uses Unified Payments Interface (UPI). This is the same system used by Google Pay, PhonePe, BHIM and various other bank apps. WhatsApp users can also make payments through other apps like BHIM, Google Pay or PhonePe.

Edited By: Ankita Pandey