Though it is for the 1st transaction, since we use upi everywhere and most of the transactions will be 1st time like walking into mall, using upi for higher ticket purchases. Not sure exactly how this will be this implemented but imagining that you won’t be able to confirm that money is in your account for next 4 hrs (or even if you receive, the fact that it could be reversed) could potentially impact the use of UPI. ( this won’t have much impact if you could do multiple transactions of less than 2k) but if total amount is capped at 2k for 4hrs this could have major impact i guess
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