India came up with UPI for this exact reason. Google Pay, Samsung Pay, Whatsapp Payments, etc. are all built on UPI in India. UPI is interoperable with all apps

India came up with UPI for this exact reason. Google Pay, Samsung Pay, Whatsapp Payments, etc. are all built on UPI in India. UPI is interoperable with all apps. So you can use whatever app you prefer. ie Whatsapp Payements can send money to someone using Google Pay directly.