You could engage in direct transactions via the WhatsApp Payment App. You just need to tap on the share file icon and select the ‘payment’ option. You can find the ‘payment’ option at the shortcut menu. You can also review your account details and transaction history in this section. As stated earlier, the payment process works on the UPI approach. Hence, you can send and receive money without revealing your bank details or IFSC codes.
Source: https://www.askbankifsccode.com/blog/how-to-send-and-receive-money-via-whatsapp-payments/
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