Comment by rldjbpin

> But the downside is that it is a debit transaction; if you're scammed, there is usually no way to retrieve it unless a court orders so.

in a practical sense, UPI is primarily positioned to facilitate digital transactions in a cash-first economy. while it would be nice to have safeguards against scams, especially as qr codes become more ubiquitous by the day. however, paying with cash did not have any inherent safety features either, so it is equivalent in terms of risk imho.

although i do have a personal anecdote of getting a payment reversed when a pos double charged me. i did have receipts and had to wait a few weeks, but in theory it is possible in regular scenarios (i.e. when it is between an individual and a business).