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tradingstrategy - UPI IS FREE, BUT GOOGLE PAY & PHONPE EARN BIG BY SELLING SERVICES Pay PhonePe  AiIMAGE @otor  LOAN` nothing, but apps UPI transfers cost users like Google Pay and PhonePe make money through merchant commissions, ads, financial product referrals loans, investments, credit cards and value- added services around payments, not the] UPI transfers themselves: UPI IS FREE, BUT GOOGLE PAY & PHONPE EARN BIG BY SELLING SERVICES Pay PhonePe  AiIMAGE @otor  LOAN` nothing, but apps UPI transfers cost users like Google Pay and PhonePe make money through merchant commissions, ads, financial product referrals loans, investments, credit cards and value- added services around payments, not the] UPI transfers themselves: - ShareChat