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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.