VPA is used for discoverability across UPI clients. Phone numbers can be used for discoverability among users of a single client. For eg: foobar@icici on Google Pay & baz@hdfc on PhonePe can transact with each other, but can't use phone numbers. But +91-1234567890 & +91-9876543210 can discover & transact only if they are both on either PhonePe or Google Pay or any other client application. QR Codes were initially client-specific too, but now they are scannable across apps.
UPI truly is a revolution. I can have a 6Rs chai tea (8 cents) from a road side tea stall and pay using UPI with zero transaction fees.
UPI truly is a revolution. I can have a 6Rs chai tea (8 cents) from a road side tea stall and pay using UPI with zero transaction fees.