Unless it’s an interpersonal transaction or a business which I frequent or close to where I stay I do not use UPI. The Transaction can remain in “In Processing” for upto 48 hours and then it can go either way. I mean someone had to be especially challenged to not consider this in a modern payment system.

You have all these issues with cash added along with additional inconvenience of handling change, counting and making sure to keep enough of it. Most Cash on delivery options also let you pay via card or UPI on spot.

Almost every small shop vendor I know accepts UPI today without complaint.

It's regrettable and astounding at the same time that a factual comment is getting downvoted.

UPI should absolutely introduce a facility to chargeback a transaction, which is why I always prefer to use my credit card, if possible.

Not sure if you are unfamiliar with the credit cards issued in India, but my bank's fraud protection is limited to "did someone steal your card and make a payment"

Credit cards work differently in the US compared to the rest of the world. You can just "charge back" the merchant for pretty much any reason.

No, you can't. I tried twice. Banks side with the merchants because merchants pay them, not you.

A credit card costs more in the long run, otherwise credit card companies wouldn't be profitable.