United Payments Interface (UPI), the government's flagship digital payments medium, promoted by Prime Minister Narendra Modi, seems to be struggling. People transacting on UPI claim these frequently fail, with no recourse from either banks or National Payments Corporation of India (NPCI), which runs the platform.

Some complain they have not got their money back even though the app said the transaction was successful -- the money wasn't credited in the receiving bank account. These users told their respective banks and NPCI -- all they found was a longdrawn process of ...