There isn't. That is why the UK government likes it for their use, but wants to ban or backdoor parts of it (E2EE) for everyone else.

Ah don’t worry they’re claiming they only used it for coffee orders and such ;)

In India, anybody can get a business account, which allows you to setup a catalogue of things, services, and you can pay inside app through underlying UPI interface (government operated quick guaranteed no-return money transfer). I have booked cars for rental, I have bought grocery, pizza, shoes n stuff.

That's crazy. I'd never use something like that to order anything but each their own I suppose...

You're not going to like WeChat then either

You don't have a choice - in India it's as ubiquitous as paypal is here.