It has been 15 days since I have been using
Axis Kiwi 6 months - perfect acceptance
IDFC Rupay virtual - perfect acceptance
Kotak League Rupay - 15 days - acceptance of Kotak is less than 50% same stores
In most cases, the Kotak card is disabled before the transaction and sometimes after the UPI PIN.
(Small Payments like fruits, milk, or nearby small to medium shops. )