This is not a solution to this Aadhaar issue.
Aadhaar Fraud is done through AEPS with a Biometric clone issue.
UPI Transaction Fraud is done by Mobile Hacking/Cloning, Fraud OTP, Links, Fraud Mobile Apps etc.
This 4Hr limitation will be a DISASTER!
Just think, you and your family went for a vacation/tip. You need to pay Hotel, Travel, Food, Gifts etc. from all different sellers!
Also, now-a-days, as UPI is totally free, sellers do not accept Card Payment as it costs them a
Bank Fee.
In Kolkata, if you want to buy any Computer parts or Mobile, either Cash or UPI, no Cards.
A FRAUD STORY
In Olx, I contacted a seller who was selling his new Laptop's DVD Drive.
(I use a DVD Drive to backup my pics.)
We agreed the price and shared our WhatsApp nos.
I contacted him so that we can meet a common location as we were in same city.
Instate, he sent me a APK file name 'Courier-Arrange.apk' and asked me to install it and book a 'pick up'!