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UPI isn't QR based it you can also use UPI ID, which is like email. For eg: example@provider

And most UPI are linked with phone number, so you can also pay via phone number if UPI is linked with it.

phone numbers aren’t secure at all thou.

How so?

it's literally one of the least secure things you can have.

UPI doesn't just work based on phone number. Phone number is just the username equivalent in this context. You still need to put in a pin.