According to NPCI officials, WhatsApp only announced to set up systems to store data locally but did not come clear whether the payments data is being kept in India or outside.
The incomplete compliance raise serious concern from NPCI amidst WhatsApp efforts in meeting stipulated guidelines. Since February, it has been trying to launch its payments service in India and seeking approval from regulators including RBI, Meity, and NPCI.
WhatsApp UPI is currently in beta mode and recently hired Komal Lahiri as local grievance officer after receiving flak from the Supreme Court. Further, it has been looking to hire India head for its payments operations in the country.