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threwe34234

India seems to get away with it - with UPI sending around Rs 1 (~ 1.5c) for 'verification' etc. is routine, and as with any UPI transaction it's all free.

The only thing lacking with UPI is proper integration with merchants; large retailers rely on weird locked in services like PhonePe etc. for integration with their billing systems, but the rest seem to use a QR code and manual verification of payment.