UPI is cotinously evolving and bringint some new features to enhance user experience in 2025, like One World Wallet, Payment Delegation, Foreign Travel, Link Whatsapp & more. UPI has revolutionized digital payments in India and is now expanding its reach globally. With its growing popularity, new features have been introduced to enhance the user experience for seamless, secure, and flexible transactions.
The National Payments Corporation of India (NPCI) has taken a significant step by lifting the cap on user onboarding for WhatsApp Pay, the UPI-based payment feature integrated within the messaging app. This development is expected to further drive digital payments in India by leveraging WhatsApp’s massive user base.
Key Features of these Updates
The number of users who could access WhatsApp Pay was limited before. Now, all WhatsApp users in india can make UPI payments directly through the app. Users can now send and recieve money during a chat without needing to switch in to other apps.
Integrating payments into WhatsApp makes transaction simpler. UPI ensures instand fund transfer with no additional charges. Whatsapp pay now competes directly with major UPI payments like GooglePay, PhonePe and Paytm.
Features of Whatsapp Pay:
- Simpler interface for sending payments during a conversation
- Ability to pay business through WhatsApp QR codes.
- Strong security via UPI PIN and encryption protocols.
How to Use WhatsApp Pay
- Open Whatsapp and go to the “Payments” option in settings.
- Link your bank account to WhatsApp through UPI.
- Start sending money to contacts directly from your chat window.
Latest Updates for 2025
New features have been introduced to enhance the user experience for seamless, secure and flexible transactions. Here ase some key points about Updates:
1. UPI One World Wallet
This feature allows users to make payments in multiple currencies directly through UPI. It’s use for seamless international payments without exchanging currency. Accepted at a global merchants and service providers.
2. Payment Delegation
This feature allows you to authorize someone else to make payments on your behalf for specific purpose. It is perfect for business delegating payment responsibilities to employees. This can set limits and restrictions on delegated transactions.
3. UPI for Foregin Travel
The UPI is now tailored to meet the needs of travelers ventruing abroad. In this case, use of UPI to pay at international merchants or withdraw cash from ATMs. It eliminate dependency on international cards or forex cards.
4. Linking UPI to WhatsApp and Messaging Apps
UPI is now integrated into popular messaging apps like WhatsApp for quick and easy transactions. It can send and recieve money directly from chat conversations. No need to switch between apps for payments.
5. Enhanced Security with Biometric Authenticaton
To make payments more secure, UPI now includes biometric authentication like fingerprint and facial recognition. To reduces fraud and ensures only authorized users can transact. The real time transaction alerts to monitor activity.
6. Subscription-based Payments
Automated recurring payments for subscription services such as OTT platforms, gym memberships or utility bills with minimal user intervention. It can flexible to modify or cancel subscription anytime.
7. Offline UPI Payments
This feature enables users to make payments without internet connectivity using QR codes or NFC. It is ideal for remote areas with limited or no internet. It is fast and reliable offline transactions.
8. UPI Voice Command Payments
This is voice-enabled payments to make transactions more user-friendly. Multilingual support for wider accessibility.
