> Almost each and every concern is applicable to VISA/Mastercard system too. Not really, when you make a payment using credit or debit cards, your name doesn’t

> Almost each and every concern is applicable to VISA/Mastercard system too. Not really, when you make a payment using credit or debit cards, your name doesn’t go to the merchant (and doesn’t have to, since you can enter any name online when entering card details). Your phone number also doesn’t go to the merchant from the card number unless you decide to share it. In the case of UPI, the receiver gets the full name and many a times the phone number of the sender since that’s the most common UPI identifier.