I've made numerous (at least more than 100) UPI transactions, but haven't seen a single 'failure' as such. Yes, there's been delay at times, but it's just that,

I've made numerous (at least more than 100) UPI transactions, but haven't seen a single 'failure' as such. Yes, there's been delay at times, but it's just that, a delay. It's a little inconvenience at that time, but it's comparatively much rarer (and less frustrating) than OTP SMS not received problem for a credit card transaction which I just started hating. Most of the times, UPI (Tez) transactions are instant for me. About 1-2% charges, if they ever start using it, wouldn't it still be better than credit cards? Most merchants don't charge extra for those (but some do even for credit cards).