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What do you use to pay?

Google Pay and Apple Pay are not available in my country. What we have is Opay and that is what I use to make my online payments. It is a pretty good payment system.
 
It depends on the location but I prefer to used cash because in my country we are still local in that aspects
 
We have apps like Paytm, Phonepay, and Google Pay, and I prefer to use them. I don't carry cash and scan the QR code of the vendor to pay money. Internet banking is also one of the ways with which I pay utility bills.
 
I like to pay through cash and through UPI transfer and for this I use Amazon pay because it's quick and safe to use
 
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