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I mean this sounds like an edgecase, which is good tradeoff for the ~billion of people who this system is designed for.

Essentially UPI was there to stop the industrial fraud and money laundering that was going on india. I have not actually checked the efficacy of this though. The last time I checked was when modi made the largest bank note not legal tender.

That part aside it does sounds like VAT (a 20% sales tax on all purchases) but for transactions.

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It affects everyone who visits India, so it's not really an edge case. I'm sure there are plenty of towns in India that is primarily tourism-based.

Ok I get that, but 9 million people a year is less than 0.1% of the population. so they wouldn’t even show up in p99 stats.

For something as sensitive as a payment system you need to go way further than p99. Like way, way further

for reliability, sure, for fraud, also.

But making sure that tourists don't pay a 3% charge, and/or can't do p2p? naaa. thats deliberate.

tourists are rich, generally, and can be a rich source of money laundering options.

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