In India, WhatsApp Pay runs on the UPI infrastructure and covers both person-to-person transfers and merchant payments. In Brazil, transfers between people arrived first, and payments to businesses followed after regulatory approval.
The promise is a complete loop inside one thread: discover a product in the catalog, ask a question, and pay, without switching apps or re-entering card details on a checkout page.
Elsewhere, in-chat payment is usually replaced by payment links sent in the conversation. Availability expands market by market and depends on local regulators, so businesses should check what applies in their country.
