There is a lot of fraud with UPI, specifically social engineering to obtain UPI OTP codes.
Since the card and the account haven't been previously associated, that's probably a risk model saying a human needs to verify the account before activation.
Indian cards also (I believe) have a mandatory 24 notice period prior to money being pulled - giving fraudsters a 24 hour starting gun to spend like crazy. That makes merchants that provide variable cost service on credit products twitchy.
Since the card and the account haven't been previously associated, that's probably a risk model saying a human needs to verify the account before activation.
Indian cards also (I believe) have a mandatory 24 notice period prior to money being pulled - giving fraudsters a 24 hour starting gun to spend like crazy. That makes merchants that provide variable cost service on credit products twitchy.
https://support.stripe.com/questions/background-on-indian-go...