{"product_id":"how-digital-payments-actually-work-the-invisible-infrastructure-of-everyday-indian-life-explained-simply-9798197615350","title":"How Digital Payments Actually Work: The invisible infrastructure of everyday Indian life, explained simply","description":"\u003cp\u003e • Author(s): Afan Alam\u003cbr\u003e • Publisher: Independently Published\u003cbr\u003e • Publisher Imprint: Independently Published\u003cbr\u003e • BISAC: Industries - Financial Services\u003c\/p\u003e\u003cp\u003eEvery day, seven hundred million Indians scan a QR code or tap a card and complete a\u003cbr\u003epayment in four seconds. Almost no one knows what actually happens during those\u003cbr\u003eseconds. \u003c\/p\u003e\u003cp\u003e\u003c\/p\u003eThis book is a slow, plain-English walk through the entire system - from a chai stall in\u003cbr\u003eBangalore to the central bank in Mumbai. It explains everything from the inside out: \u003cbr\u003ewhat a QR code actually contains, how UPI works (and what it really is), why payments\u003cbr\u003esometimes fail and almost always recover, how settlement runs at the speed of banks\u003cbr\u003ewhile messages run at the speed of the internet, what cards still do that UPI doesn't, \u003cbr\u003eand why the Credit-on-UPI revolution is quietly reshaping the Indian economy. \u003cp\u003e\u003c\/p\u003eWritten for the curious reader. No financial background required. No equations. No\u003cbr\u003ebuzzwords. Just careful, sentence-by-sentence explanation, with illustrations and tables\u003cbr\u003eto help things stick. \u003cp\u003e\u003c\/p\u003eInside, you will learn: \u003cbr\u003e- What is actually inside a UPI QR code\u003cbr\u003e- How a ₹20 chai payment travels through four institutions in four seconds\u003cbr\u003e- Why \"amount debited but transaction failed\" is almost never a disaster\u003cbr\u003e- What NPCI, PSPs, TPAPs, sponsor banks, and payment gateways actually do\u003cbr\u003e- How refunds, reversals, and chargebacks differ - and when each one applies\u003cbr\u003e- The three patterns behind almost every payment fraud, and the non-negotiable\u003cbr\u003edefences against them\u003cbr\u003e- Where Indian payments are heading next - Credit on UPI, cross-border UPI, and the\u003cbr\u003edigital rupee \u003cp\u003e\u003c\/p\u003eBy the time you finish, the four seconds at the chai stall will look completely different.\u003cbr\u003eThe same payment, fully understood.","brand":"Independently Published","offers":[{"title":"Paperback","offer_id":47891406061719,"sku":"9798197615350","price":798.0,"currency_code":"INR","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0666\/3471\/1191\/files\/9798197615350.webp?v=1781183599","url":"https:\/\/atlanticbooks.com\/products\/how-digital-payments-actually-work-the-invisible-infrastructure-of-everyday-indian-life-explained-simply-9798197615350","provider":"Atlantic Books","version":"1.0","type":"link"}