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Help Article | About payments data

January 28, 2021
Does the recent change in WhatsApp Global privacy policy affect the WhatsApp UPI enabled payments in India?
WhatsApp UPI enabled payments are subject to a separate WhatsApp India Payments Privacy Policy, which hasn't changed. You can review it here. If there is any conflict between the WhatsApp India Payments Privacy Policy and the WhatsApp Privacy Policy, the WhatsApp India Payments Privacy Policy will control solely with respect to your use of UPI Payments.
WhatsApp is committed and works diligently to ensure that UPI enabled payments are completely secure and that WhatsApp payments remains in full compliance with the data localization guidelines issued by Reserve Bank of India.
The UPI transaction data is encrypted, and Facebook doesn't have access to this data in clear format. For further details, please refer to WhatsApp India Payments Privacy Policy.

How do we protect the security of our payments users?
The security and privacy of our users are important to us. We follow best practices to protect our payments users and ensure proper use of the WhatsApp payments service.
  • WhatsApp payments transaction data is encrypted and resides only in India per RBI guidelines.
  • WhatsApp India actively monitors necessary compliances and may share UPI transaction data for identified exceptions with affiliates and regulators subject to regulatory approvals to stop illegal use of WhatsApp payments in compliance with applicable laws and regulation. For further details, please refer to WhatsApp India Payments Privacy Policy
  • WhatsApp does not capture or store UPI PIN in compliance with UPI guidelines issued by NPCI.
  • WhatsApp does not store other customer payment sensitive information such as your one-time password (OTP), full account number, or any debit card details.


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