[sudshekhar]

The pine terminals and credit card acceptance cost the merchants hefty fees. Which many of the small businesses prefer not to pay, specially given the infrequency of card purchases.

You can always stick to cash and card as your preferred mode of payments in India.

Having a UPI wallet can be a convenient backup for travellers though. You won't have to run around finding an ATM in case you get stuck.

And the verification process might seem "difficult" but its one-time and less painful than visiting a doctor.

Given the applicable forex regulations, I guess that's the best we're allowed to enable right now.