WhatsApp Introduces Payments Backgrounds

WhatsApp on Tuesday introduced Payments Background in India to upgrade the money transfer experience on its platform. The new feature aims to provide a personalized payment experience to WhatsApp users. It lets you select a relevant background when you are sending money to your friends or family using WhatsApp Payments. The experience is live for both Android and iPhone users in the country. WhatsApp says that the basic idea through the Payments Background feature is to add an element of expression when users are exchanging money on the platform with their friends and family.

Initially, WhatsApp has added a list of seven backgrounds from which you can choose the most relevant one while sending money to your loved ones. There are also some theme-based backgrounds, including one that you can choose from when sending money to your sister especially on Raksha Bandhan (coming on Sunday, August 22). WhatsApp has also added backgrounds that you can use to send payments for birthdays, holidays, and travel.

how to choose payment background on WhatsApp

When you are making a new payment on WhatsApp, you can select the payment background by tapping on the background icon on the 'Send payment' screen. Once you tap on that icon, the app will show you the available list of backgrounds at the bottom from where you can choose the one that matches your paid theme. You can also add a note with a background to describe the reason for your payment or to highlight your expression.

Once done, the recipient will see the background and the amount of payment you have made.

“With Payments Background, we endeavor to bring excitement to everyday payments through WhatsApp and allow our users to express themselves, if they wish, through a range of emotional themes depicting celebration, affection, warmth, or fun. to enable it,” said Manesh Mahatme, director of WhatsApp Payments, in a prepared statement. “We believe that sending and receiving money is much more than just a single transaction. Often the stories behind exchanges are priceless."

WhatsApp launched its payment service in November last year after months of testing. It started with five banking partners, however, later the list narrowed down the list of partners to four banks which are: Axis Bank, HDFC Bank, ICICI Bank, and the State Bank of India – Silently Removed Jio Payments Bank From List As Service.

Currently, WhatsApp Payments which is based on Unified Payments Interface (ISI) enables transactions with over 227 banks.

Despite being in the market for the past few months, WhatsApp Payments is yet to mark any significant growth. Its market share among other UPI-based apps has also declined from 0.16 percent to 0.014 percent. The latest data shared by the National Payments Corporation of India (NPCI) service enabled 4.7 lakh transactions worth Rs. 45.33 crore in July.

Having said that, WhatsApp is trying to attract users by adding the Payments background feature. Some other features are also reflected in the plan to gain some market share over time.

“We look forward to creating more features and functionalities and continue to make payments on WhatsApp an interesting and interactive experience,” said Mahatme.

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