I’ve seen posts online or memes about it, mainly discussing American people who think the internet as a whole is US-centric despite the topic at hand taking place in another country (nothing to do with America), for example: someone wrote the date format as 30/10/2020 (using the EU format) but some American was like “THE CORRECT WAY IS 10/30/2020” when they fail to realize that user is not American at all.
Is US defaultism real when they travel abroad? They assume the $ is legal tender worldwide in countries where their own currency is used more (the only thing that’ll work is exchanging it but not for direct transactions). I’ve heard an American woman went on a tirade whilst in France as the cashier refused a $20 bill when the prices are in EUROS (WTF?) or being like “SPEAK ENGLISH!” in non-English speaking countries.
Unified Payments Interface. It is an instant payment system developed by the National Payments Corporation of India. You need an Indian bank account or debit (ATM) card and a smartphone (some feature phones can also use UPI). You install any one of the UPI apps, and bind your account / card to it. You can send money to someone by entering their mobile number, UPI ID (any unique alphanumeric string that isn’t already taken; this is useful if you want to hide your number) or QR code (most shops will display this at the entrance). The NPCI sets the standard and maintains the backend; users can use any standard-compliant app. It is also okay if the recipient uses a different app from the sender.
There is no fees for personal transactions, and business transactions up to Rs. 2,000. Business transactions above that will be charged 0.4% starting tomorrow, but this is still lower than what most cards charge.
Outside of India, UPI is interoperable with the national payment systems of Singapore, Malaysia, Oman and Qatar, and with some banks in the UAE.