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Friday, May 27, 2022

WhatsApp wants to use your ‘legal name’: what this means for you

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Whatsapp Payment System: There is an important update for WhatsApp Payments users in India. The instant messaging app has started identifying the “legal” names of users who have enabled the Unified Payments Interface (UPI)-based payment service on its app. These are the names that the users have in their bank accounts and hence may be different from their profile names. “When you use payments on WhatsApp, other UPI users will be able to see your legal name. This is the same name on your bank account,” WhatsApp says on its FAQ page. These names will also be shown to the person to whom users transfer money or make payments. WhatsApp has started showing WhatsApp payment notifications to users in its app in this regard. In the notification, there is a link to the WhatsApp FAQ page, in which the details of the legal name requirement are given.

What is behind this requirement
WhatsApp claims that the legal name requirement is as per the National Payments Corporation of India (NPCI) guidelines. Its purpose is to reduce fraud in the UPI payment system.

How will WhatsApp know users ‘legal name’
WhatsApp says that it uses the phone numbers associated with users’ WhatsApp accounts to identify their bank account numbers. The name associated with the bank account is the name that will be shared. “When you use payments on WhatsApp, other UPI users will be able to see your legal name. This is the same name on your bank account,”

WhatsApp allows users to choose any name of up to 25 characters on the app as their profile name. Users can also add emoji to their profile name. However, the new requirement makes it mandatory for users of its payment service to share their name as per their bank account while signing up for the WhatsApp payment system.

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