WhatsApp has begun testing a new payments feature in India that will allow people to send money to other WhatsApp users, excluding merchant accounts. The feature is currently in beta, according to sources familiar with the company’s plans, but hasn’t been publicly announced because it’s not widely available at this time.

WhatsApp has partnered with some brands for the payment facility. The payment feature is based on the UPI platform (Unified Payments Interface). To use the feature, as of now, a user will have to get an invite from someone who already has the payment facility. This would take advantage of UPI and include support by a number of Indian banks, including State Bank of India, ICICI Bank, HDFC Bank, and Axis Bank.

WhatsApp’s payments feature is highly probable because of the huge popularity of the app across diverse populations in India and its anticipated ability to bring a huge segment of the country within the digital payments ecosystem. WhatsApp goes to keep big step in Digital payment sector.