> 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

> 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 My local grocery store (a small mom and pop operation) uses a QR code system with a speaker the recites out loud any new transaction so that both the merchant and the customer can verify it easily. And besides, integration with merchants is not the job of UPI. It's the job of the application implementing UPI.