Why does UPI fail so often for banks like SBI?

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Editor's note: There is a brief moment of anxiety that everyone who makes payments using the Unified Payments Interface is accustomed to by now. It occurs as soon as you enter your PIN on a UPI-enabled app. What follows is the wait for the transaction to be approved—by the customer’s bank, the merchant’s bank, the app and the merchant’s payment partner.  Finally, the pop-up on your phone notifying that the payment has been successful brings relief.  No matter which bank or payment app we use, most of us have seen our UPI transactions fall through while money is still debited from our bank accounts. I recently got into an argument with the manager at a restaurant in New Delhi’s Connaught Place after they refused to accept the payment I made using a UPI app. This was despite the notifications I received for successful transaction from both the app and the bank. The restaurant, on the other hand, claimed that they had not received a notification from their bank about a fund transfer. The manager insisted it was the restaurant’s policy to turn …