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Clearly you have not been to India. I advise you visit a busy street chai shop in Banglore and see UPI in action.

If you still have the audacity to claim that cards, an inherently inferior payment method, as forward, then I have nothing else at my disposal.

Physically a hassle, technically inferior, putting customer at the mercy of the merchant device, unusable at busy merchants, etc... and the list goes on.



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