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> I am not aware of any payment systems that support the use of NFC

I basically lumped the whole of Asia into a melting pot, whoops. While you're correct that India's UPI doesn't have an NFC mode, other countries do (NETS of Singapore and various systems in Japan for example).

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Oh yea, I think I got the idea. The initial direction with apps like Tez too was trying to use NFC for payment. That just didn't catch on, which I'd probably pin on the fact that majority of population here uses low-mid range Smartphones which often skip over NFC support.

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