[perryizgr8]

I love UPI and it has proved to be a boon in this time when I am scared of touching cash. It's very fast, easy and quite reliable in my case. In Bangalore, it works literally everywhere. From the smallest shops to big supermarkets. Many small shopkeepers even discourage me from paying in cash.

But people need to realize one aspect of UPI that it is exactly as unsafe as cash. Would you send cash to someone over the phone for accepting delivery of a product later? No. So don't do that with UPI.

Use UPI when it would be appropriate to use cash, when you're standing face to face with the seller. Just think of it as more convenient cash. Otherwise, it is ripe for exploitation by thieves.

[blueblisters]

> Just think of it as more convenient cash.

Yup exactly. As someone mentioned above, it's a frictionless payments system, unlike Visa/Mastercard which also offer dispute resolution.

Of course, if you trust the vendor, I don't see why you should implicitly pay for the protection mechanism of Visa/Mastercard when UPI is literally free.

[captn3m0]

> when UPI is literally free

So far. Lots of banks are fighting to introduce fees. The actual cost is getting subsidised so far, but there are no free lunches. Banks can't keep this up forever.