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?

 

[COSMOCRAT]

Just enable tap and pay. No need for any pin.

You ignored the whole point. I prefer to use PIN.
No logic, no reason, no convenience, no care of safety, no GDP, nothing.
I do what I want, a few more minutes doesn't make or break.

 

[sahildca]

I am talking about India only. You are looking at it from the perspective of the merchant. I am talking about a customer perspective. You have both options. Why choose the more difficult one?

i am also talking about India only bro.
If you flaunt your credit card in public place there may be some risk of card details exposure like card number, cvv, expiry,etc which could be misue for fraud.

yes we can use credit card for large purchase to reap benefits of its rewards and cashback.
ye Haldiram me 200-600 ke chindi bill ke chakkr me account tou khaali nahi krwa skte na kyuki line me sab bheed laga ke rahte h.

aur log hand me humesha phone carry krke chalte h credit card nahi. its much easy to scan and pay through UPI or UPI on credit card
scan the QR --> approved payment by touch id or face id

 

[jonamdhar]

At larger places, the cashier simply taps a button on their screen that chooses UPI, credit card or cash. It takes a second only. No separate POS machine is required. It’s mostly built in or already on the counter.

At those places I would assume you would typically shop for more than 5k.

 

[Lobogris]

Reason: UPI binded with Rupay Credit Card, case dismissed .

Still the hassle of using UPI is there. Just tap that Rupay card.

 

[saucy]

What about Indian using Mastercard and Visa tech, Android on the phones made by Korea or US or China and so on? Just because one thing is working well doesn’t mean everything should be only Indian way.

You're literally proving my point.

India using the best tech from abroad. Similarly the west is using the best from India.

 

[Lobogris]

i am also talking about India only bro.
If you flaunt your credit card in public place there may be some risk of card details exposure like card number, cvv, expiry,etc which could be misue for fraud.

yes we can use credit card for large purchase to reap benefits of its rewards and cashback.
ye Haldiram me 200-600 ke chindi bill ke chakkr me account tou khaali nahi krwa skte na kyuki line me sab bheed laga ke rahte h.

aur log hand me humesha phone carry krke chalte h credit card nahi. its much easy to scan and pay through UPI or UPI on credit card
scan the QR --> approved payment by touch id or face id

No risk whatsoever. Cards are meant to be used. What did you do before UPI?

 

[D₹V]

Just because one thing is working well doesn’t mean everything should be only Indian way.

Why not

 

[Lobogris]

You're literally proving my point.

India using the best tech from abroad. Similarly the west is using the best from India.

As a payment system, UPI is great. Easy, quick and cheap. I am not criticizing UPI nor am I against it. I use it myself happily and proudly. I just find it much more convenient to tap a card than use UPI at larger shops and restaurants.

 

[jonamdhar]

Still the hassle of using UPI is there. Just tap that Rupay card.

Be it Petrol pump, a restaurant, a bakery....most places you would have to wait for the guy to take a POS machine, enter the amount and wait for the rap page to come.

A a restaurant especially, I would rather scan and pay as soon as I get the bill, rather than wait for the guy to bring the PoS machine

 

[vaibhav111vaibhav111 is verified member.]

Senior Mod is here. what going on here?

 

[Lobogris]

At those places I would assume you would typically shop for more than 5k.

No. Buying a coffee at Starbucks or a tea at McDonalds isn’t that much. Beyond 5k anyway you would want rewards on your credit card.

 

[COSMOCRAT]

Senior Mod is here. what going on here?

Intern level stuff is happening.

 

[SSV]

I just find it much more convenient to tap a card than use UPI at larger shops and restaurants.

This doesn't necessarily mean that others also should find Tap n Pay convenient to them !!
right ?

 

[Lobogris]

Senior Mod is here. what going on here?

What’s the problem? We are simply having a discussion.

 

[Lobogris]

This doesn't necessarily mean that others also should find Tap n Pay convenient to them !!
right ?

Yes. Obviously. People are free to choose. I was simply discussing my point of view.

 

[arjun697]

I would easily say the educated people are the ones not using credit card. Just because we use it for our use doesn't mean the average user will be using it the same way.

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?

The easiest assumption to make would be, the educated people are the ones not using credit card. Just because there is a community using this well to their advantage, we get the benefits thanks to the majority who don't use this well.

 

[SSV]

Senior Mod is here. what going on here?

Nothing sir... everyone is studying hard for the upcoming exams.. doing nigh out !!
All behaving well sir!!!

 

[vaibhav111vaibhav111 is verified member.]

What’s the problem? We are simply having a discussion.

alright cool. but i never said something is wrong.. just asked what's up.

 

[D₹V]

Senior Mod is here. what going on here?

Just fight between Tap n Pay of cards & UPI.

Which is obviously personal choice if someone want to use UPI or tap n pay.

There is nothing need to be done in thread IMO.

So locking thread might be great option .

One glance

 

[SSV]

Yes. Obviously. People are free to choose. I was simply discussing my point of view

This what I said about Market... Market settles the score.. why so many people are using UPI means ... what does the market is telling you here??