Weird Indian obsession with UPI

[Lobogris]

I can never understand why Indians are so obsessed with UPI. It's ok for small payments like Rs20 at a small vendor who doesn't accept cards. At larger shops, where you can simply tap your credit or debit card in a second, I see educated, well off looking people fumble with UPI apps, entering the amount, then their pin and often the scan doesn't work or the payment doesn't go through because of cellular network inside the store and so on. So much time wasted along with the hassle. Yesterday, I was behind a lady at Haldirams and she tried to scan 10 times and the cashier had to reset the scan screen multiple times. UPI is great when the user is poor or uneducated and doesn't have a credit card or when the establishment doesn't accept them. Why are educated people with credit cards so enamoured of it? Isn't it better to just tap your credit card and get 1 to 3% cashback or points and skip the hassle?

 

[saucy]

Koi Live Recording Karke daal do

Ek haat m mobile with UPI Enabled aur Samne UPI QR

Ek Haath m Card with Tap and Pay and Samne POS without attendent

Kon sa haath jitnega koi bta sakta hai

Right wala lol

 

[AritraSaha]

# 71) The success rate of UPI is absolutely astronomical. Personally using UPI since 2018, I think. It had failed maybe twice a year, for me in these years. Never had a problem with funds getting refunded when using UPI. But when using debit cards and credit cards I had to follow up with banks and there is the barrier of POS and it's charges. I lost a small amount once too, when I used debit card from Stupid Chapri bank.
I may think twice to use a debit card even though I was educated, but never thought twice when using UPI because I know how/what fails and who to approach and the banks too understand how to troubleshoot the problem. NPCI/govt support helps a lot too.

Edit1: I had used the Visa Infinite debit card frm Stupid Chapri bank.

Yeah, NPCI regularly report thats .. highest is paytm payment bank, follow by hdfc , icici all over 98%

 

[prc1990]

OP be like:

UPI be like flower and fire do no hi hain hum .

 

[sahildca]

Don't post bs just cus you had frustrating experience at haldirams. Don't bash upi. It have Transformed The Nation.

saara galti iss Haldiram ke line ka hai jisne iss bhai ko yahaan post karne pe mazboor kia

 

[AritraSaha]

Saha Babu aiyaa gache, uludhoni dao, sonkho bajao .

Are are aga bia ta to korta dao..(i am still single)

 

[VISHESH_BANSAL]

saara galti iss Haldiram ke line ka hai jisne iss bhai ko yahaan post karne pe mazboor kia

Galti uss bank ka hai jiske server issues ki waja se 10 attempt lage

 

[AritraSaha]

saara galti iss Haldiram ke line ka hai jisne iss bhai ko yahaan post karne pe mazboor kia

Probably govarji ka Bharat pe hoga..
Its often failed in recent times

 

[SamPtnk]

I dont use UPI

Spoiler

Coz mere bank me balance hi nahi hai.

 

[sahildca]

I dont use UPI

Spoiler

Coz mere bank me balance hi nahi hai.

tou aap Tap and Pay use karte honge

 

[AritraSaha]

Koi Live Recording Karke daal do

Ek haat m mobile with UPI Enabled aur Samne UPI QR

Ek Haath m Card with Tap and Pay and Samne POS without attendent

Kon sa haath jitnega koi bta sakta hai

Op don't go in cheap places.. he go to those places where ppl will tap the card for him..

While he sipping his coffee in the most delicate manner

 

[SamPtnk]

tou aap Tap and Pay use karte honge

Mostly otherwise plain ol Rokra

 

[prc1990]

Are are aga bia ta to korta dao..(i am still single)

Print your QR in the wedding card so that the invitee can pay you through UPI as gift and shagun. Music in the background .

Babu Moshai digital gift ka tarika UPI hona chahiye, card se Tap n Pay nehi .

 

[VISHESH_BANSAL]

Print your QR in the wedding card so that the invitee can pay you through UPI as gift and sagun. Music in the background .

Print E-Mail ID , invitee can send AGVs using Credit Cards not UPI

 

[SamPtnk]

Op don't go in cheap places.. he go to those places where ppl will tap the card for him..

While he sipping his coffee in the most delicate manner

There are places where people will tap everything

 

[AritraSaha]

Print your QR in the wedding card so that the invitee can pay you through UPI as gift and sagun. Music in the background .

Everything is ready, just need to find a bride

 

[SamPtnk]

Everything is ready, just need to find a bride

Sarkari naukri le lo, pretty bride free mein mil jayegi

 

[Predator]

OMG.. 12 page thread. will read all replies in my free time
and btw
I kind of agree with the post. There must be separate UPI counters too.
Near to my place, MacD & Smart Bazar have almost zero network connection, and sometimes ppl run outside the outlet in order to make the transaction successful.
If money is debited and trxn fails then unko smjana padta h ki apne ap refund aa jayga.
Itne me MacD app par offer wala QR expire ho jata h and fir bahar ja kar re-activate karna pdta h.

 

[prc1990]

Everything is ready, just need to find a bride

Sabar Karo, mil jayega, keep doing UPI in the meanwhile...Gadi rukna nehi chahiye...

 

[sahildca]

Print your QR in the wedding card so that the invitee can pay you through UPI as gift and shagun. Music in the background .

Babu Moshai digital gift ka tarika UPI hona chahiye, card se Tap n Pay nehi .

Print E-Mail ID , invitee can send AGVs using Credit Cards not UPI

send POS machine in wedding card so that invitee can Tap and Pay fast

 

[AritraSaha]

# 39) The whole concept of issuing credit cards and debit cards and maintaining POS machines, is soo 20th century dude . But I think it's Less hassle for banks to maintain the UPI infrastructure.

UPI the one ring to rule them all..

Pay p2m,p2p,self transfer, buy mf(mutual fund), buy stocks, book for ipo, pay loans, autopay subscription.

All centralised with a robust tracking.