Being a business owner (father one) we need to pay some charges over 2000 payment via upi based credit card and at least in Paytm and Phone pay have an option.
90% shopkeepers don’t enable it and I think most money from transactions can be earn using it.
So if UPI stays a big transaction then most card company will not earn much as their main business of transaction money is gone so main money from loans and annual fees only.
Will say it’s still a evolving story so how it shape out is a blurry picture.
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