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It's both. You can transfer/receive money to/from anyone with either a QR code, a UPI address like `batman@upi` or a mobile number. You can also setup mandates
by SpacePortKnight 3y ago
It's both. You can transfer/receive money to/from anyone with either a QR code, a UPI address like `batman@upi` or a mobile number.
You can also setup mandates (autopay) for recurring subscriptions like Netfix. Unlike Credit Cards, you can even bypass the merchant and directly cancel an autopay through a UPI payment app.