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Comment by ta-run | Hacker News Reader

If they can make it as seamless as UPI, that would be incredible. UPI, imo, is the pinnacle of ease of internet payments - as seamless and quick as it can get.

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UPI would be even better if it were easier for tourists to onboard and use it while traveling in India. The general mindset seems to be that there's enough domestic tourism that making things easy for foreigners isn't that important. I think that really hurts the country's economy.

My comment was more centered around the UX of UPI. But to address your point, there is a separate app for tourists called UPI One World, works as a digital wallet and the UX is similar.

If only it were that simple! UPI One World isn't an app, it's a system that apps can implement, and the implementations, like Mony and Cheq, all have high fees and require you to go to random offices in inconvenient locations to verify your identity in person.

As far as I can tell, all of this is "OK" because the primary target market for UPI One World is NRIs - again, who needs foreign tourists?

Yes, every user just gets a handle with no personal or bank info revealed and off you go. User keys in a UPI ID in any merchant site/app, get a push notification for approval in mobile app. Can associate multiple bank accounts to a UPI ID underneath. Approval will ask which account to debit from too. Can't get simpler than this.

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