Payment mode design

I'm looking to integrate a payment feature into my application, and the process involves adding funds to a wallet within the application before proceeding with other transactions.

In your experience, which approach would be easier to implement?

1. Initiating a UPI payment by tapping on a UPI application, triggering a request to the respective UPI application.

2. Generating a QR code for payment.

3. Exploring any alternative method that doesn't involve using a payment gateway.

What are your thoughts on these options?

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