Let's face it, WhatsApp is pretty much on the verge of being able to do everything. Since the feature is still in the beta stage, it is only showing the list of banks as well as the bank account that is linked.
WhatsApp seems to be finally coming with payment services by integrating Unified Payments Interface (UPI) soon. And now, this feature is enabled for select WhatsApp beta users on both Android and iOS platforms. Aside from the difference in the interface, the version number with which you will be able to start making payments is a little different. However, replying to WABetaInfo, some users have confirmed that they could see the option on their iOS devices.
WhatsApp Payments will be via UPI and you can send and receive money directly from WhatsApp with this new payment option. The company's developers will obviously be working round the clock to ensure that the payments feature is made available at the earliest, so please be patient and we are sure that the update will be available to you real soon.
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This new payment option is located in the attachments menu. Upon clicking, users will see a disclaimer window, followed by a list of banks to link your bank account. WhatsApp UPI integration could be a game changer in online payment and banking methods due to such a massive user base.
The transactions will be carried out through UPI, and you can access the feature by tapping on the attachment icon just like the way you access the gallery, location, and contacts among other things. Once you get the UPI number you can use WhatsApp payments. After the demonetization act as the country is growing digitally, it has introduced a payment system for the users of the whatsapp in India.