How does UPI handle payment disputes? My impression is that the direct payment systems do not have chargebacks and are risky for anything that isn't immediate. What do you do if store won't give you return/refund for something broken? What do you if online store never ships? What if food stall doesn't give you your food?
With credit card, it isn't my money for a month until I have to make the payment. If there is a problem, I can chargeback. The possibility of chargeback makes the vendor's support more helpful
With credit card, it isn't my money for a month until I have to make the payment. If there is a problem, I can chargeback. The possibility of chargeback makes the vendor's support more helpful