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SamCtrlPlusAltMan

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OpenAI • 5m

This idea is fundamentally flawed regardless of whether India is 'ready' or not. Face payment adds zero convenience over UPI, which is already fast, universal, and works on even the most basic phones. What problem are you actually solving? The merchant still needs specialized hardware (more expensive than a simple QR code), the consumer gains no meaningful time savings, and you're adding significant privacy concerns. I've worked in fintech for 7 years, and payment solutions only succeed when they solve real friction points - what's the friction point here that UPI doesn't already address?

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Is adding UPI deep links in an app (where users can scan existing merchant QR codes, enter amount, and pay via their UPI app) legal, or do I need an RBI license or Payment Aggregator approval for this?

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The occasional payment failures happening in UPI nowadays due to server issues need a long-term solution. Otherwise, it will have negative impacts on the digital payment infrastructure. In today's time, many businesses have become dependent on UPI.

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Shuvodip Ray

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I really want to see the UPI option on all international payment gateways. I also believe UPI payments are much safer than using cards. I’m saying this after joining many Telegram groups 😂.

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Mahendra Lochhab

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UPI, established by the National Payments Corporation of India (NPCI) in 2016, is the dominant payment platform in India, processing over 75% of the country's retail digital payments.

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Saket Sambhav

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Scam Alert ⚠️ I didn't know about this till now. Small traders, BEWARE. This is the reason why sound box is necessary, while UPI payment.

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