Confirming recipient account details when they just share phone number
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Paytm has been my app of choice for UPI payments but I noticed one flaw there. Often the roadside vendors give their phone numbers, and Paytm used to show that the number is a Paytm user for several years. However, the recipient would have stopped using the app long ago. In such cases, I foresaw a risk of payment landing in some dormant account. At some point, Paytm used to show the recipient's bank name but that stopped. If a bank name is shown, it becomes easier to confirm.
Since then, I started using PhonePe for number-based payments as I felt these people are often on PhonePe.
What approach do you use for such payments?
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I agree it's foolproof but such people sometimes don't have their phones and are not clear about what a UPI ID is. If they have a phone in hand, I usually ask for the QR - if they can't retrieve it, I navigate their app.
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And to my surprise, driver told that he do not have any SBI account. So i had to pay him by cash and leave.
But this left me with lot open questions ..... so i went to SBI and came to know that driver has an old account which is not in use.
So I called driver and told him about his own account. He eventually remembered and thanked me as there lot of similar money deposits.
ever since I stopped using paytm app.
Upi id