While WhatsApp is slightly to join the bandwagon, it’s safe to say that UPI will be popularised through the messaging app’s massive reach of 200 million users in India.

WhatsApp’s integration of UPI on the platform does pose a threat to existing players particularly dedicated Payment apps Paytm and Google Tez .

At the same time, it also increases challenges for those apps which are vying to make a presence through messaging services like Hike and Truecaller .

What started as a simple digital wallet to store money, and make payments has now emerged to a much bigger platform.

Google Tez allows users to transfer money through their bank accounts, and other services including UPI, QR code, and phone number.

Truecaller offers its custom dialer, contacts list and messaging inbox which can replace the existing ones on your devices.

Truecaller’s UPI works on three different methods which include sending money, scanning and paying, and recharging mobile bills.