Photo Stories - To send money on WhatsApp, you have to register your bank account with the app through UPI - similar to how it is done with Google Pay or PhonePe. After years of beta testing and a much-needed approval from the Indian government, WhatsApp finally went live with its Payments feature for 20 million Unified Payments Interface (UPI) users, in partnership with State Bank of India, ICICI Bank, HDFC Bank & Axis Bank. This will mark Facebook-owned WhatsApp's entry in the growing digital payments market in India, where it will compete with Google Pay, Paytm, Walmart-owned PhonePe and Amazon Pay. If you are one of the 20 million users to have this facility, then you can already get started.