Are WhatsApp Pay transactions encrypted?
The company also clarified that all payments data is encrypted and kept within the Indian borders, as per the Reserve Bank of India’s guidelines. “WhatsApp is committed and works diligently to ensure that UPI enabled payments are completely secure and that WhatsApp payments remain in full compliance with the data localization guidelines issued by Reserve Bank of India,” the company writes in its FAQ page.
That said, the company did say that transaction data for “identified exceptions” may be shared with affiliates and regulators “subject to regulatory approvals” to stop any illegal use of WhatsApp payments. It’s unclear what kind of bodies will be covered by “affiliates” here.
Why does this matter?
The change didn’t sit well with users, many of whom have advocated abandoning the platform altogether. Rivals like Telegram and Signal have benefited from the same, gaining millions of new downloads from India and the rest of the world. While WhatsApp may not be feeling the effects just yet, the company has taken steps to keep the issue from having drastic effects on its user base.