Tapping my phone on an NFC terminal seems much easier and more straightforward than having to scan a QR or install a third party app and having to figure out how to link it with my bank account. There is just probably not a lot of demand for a system like this in much of the west (in cases where you can’t use a card there is always SEPA instant payments)
The QR code has been a far more robust system for the Indian ecosystem which is predominantly filled with low-cost phones of widely different operating systems. A QR code also behaves as a readily identifiable logo of payment and further works from a distance. If anything I prefer the deliberateness of scanning a QR code, clearly similar to half a billion people at the least.
I’ve used both and I prefer NFC over UPI. I just need credit card and phone that supports NFC. No need of phone number, deal with entering pin, scanning QR code, linking account during setup, etc. Biggest plus point with linking credit card is fraud protection.
In US NFC is best and seamless since most people have high end phones. In India maybe UPI with QR code is better solution since you only need phone with a camera.
