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Wallet vs UPI Lite

Which has the least possibility for failed transactions? UPI Lite or Wallet? Or just the plain old UPI?

When I was using the simple UPI interface where we have to enter the UPI PIN, I faced failures. In all occasions, the funds reached the other end after a couple of working days. Since I know the vendors, I got the refund in cash when I visited them later.

Technology fails. We can't prevent it. However, which has the least possibility of failures? UPI Lite or Wallet? And why?
 
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