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If that road side vendor doesn't have access to a phone, how does she know the payment was made?

they usually have a sound box, which will announce if a payment is made to their UPI id.

there was an article about this on some news website recently. maybe the above one. ... i read, it is that one. good article.

The banks provide 4G-enabled speakers either for free or very cheap.

These speakers automatically read out any credit into the account.

Even a vendor who can’t read can use UPI to reliably receive payments.