While dealing with such people, always deal in cash and such people happily accept that. I mostly avoid cash but for tasks like these I always keep cash.The great 'delay' of SBI in doing anything, seriously...
I did a upi transaction to a cab driver having SBI account, money was debited from my account but the transaction wasn't successful and remained in pending state and was showing the receiver's bank is still processing the money to credit to receiver's bank account. I requested him I will send him the money later stating UPI is having issues, he agreed thankfully. Four hours later I did another UPI transaction to send him the money successfully as the previous transaction was still pending and usually such transactions would just fail eventually. Next day, I saw that transaction went successful! I had to request the driver to send me money back now that I have paid him twice. 🤦🏻♂️
ICICI Bank has the best UPI experience so far for me. It is either success or failed and txn reverses instanly. 99.5% of txn I did with ICICI UPI never failed. BHIM one does.
Always check upi handle after scanning or entering their number and if it ends with oksbi or @sbi or shows SBI acc. pay them in cash or use SBI acc. for such handles as generally same bank UPI txn processes faster though everything is operated by NPCI yet intra-bank txs has rare chance of failure..