WhatsApp Pay, the UPI transaction service of messaging giant Meta in India, clocked 167.89 million transactions worth ₹12,957.07 crore in July, more than doubling its transaction volume from last year.

It is the eighth-largest Unified Payments Interface (UPI) app by transaction volume, ahead of players such as Cred and Amazon Pay.

In July 2025, it processed 74.6 million transactions with a value of ₹5,412.58 crore, becoming the 11th-largest UPI app. WhatsApp Pay first reached the 100 million transaction mark in December 2025.

The growth in the messaging service’s payments volumes comes about 19 months after the National Payments Corporation of India (NPCI) removed restrictions on WhatsApp Pay’s user onboarding in December 2024.

The apex retail payments body granted WhatsApp approval in November 2020 to go live on UPI under the multi-bank model in a graded manner, initially allowing it to onboard 20 million users. The limit was raised to 40 million in 2021 and subsequently to 100 million in 2022. In 2024, the restrictions on the number of users WhatsApp could onboard were removed.  Also Read | UPI vs cards: Why merchants pay MDR on cards but not on UPI payments