[bisq-network/growth] Add Unified Payments Interface (UPI) as a payment method (popular mobile payment service in India) (#225)

[pazza]

## Unified Payments Interface (UPI) 

References:

- [Unified Payments Interface Wiki](https://en.wikipedia.org/wiki/Unified_Payments_Interface)
- [UPI video explainer](https://www.youtube.com/watch?v=6qlpG4V8jdc)
- [UPI limits](https://blog.cashfree.com/upi-transaction-limit-2020/#Bank_UPI_transaction_limit_by_amount)

### Why

India has the 5th largest economy in the world by GDP, yet Bisq does not have many options for people in India to trade. It would be good to give people in India more access to trading on Bisq.

UPI is an instant real-time payment system developed by National Payments Corporation of India facilitating inter-bank transactions. This is an umbrella organization for operating retail payments and settlement systems in India.

Around 2 Billion UPI transactions amounting to roughly $50 billion (USD) of transactions happen every month in India.

UPI is already included on almost all other P2P cryto exchanges.


### Region

India

### Currencies

INR

### Chargeback risk

Low.

Banks cannot reverse an UPI payments. According the UPI rules it is the responsibility of the sender to enter the correct beneficiary account number and other details while making payment.

### Size of user base

300 million people in India have access to a bank account and smart phone that can be registered for UPI. 2 billion transactions are sent a month.

### Data requirements

In order to make a payment or transfer funds through UPI, you must have at least one of the following details about the beneficiary:

Virtual Payment Address (VPA) also called UPI ID - The format is like an email ID: with the sign “@” in the middle. For example, your UPI ID could be “receiver’s_name at bank_name” or “phone_number at bank_name.”

To send money to someone with a UPI ID, you only need to have your receivers UPI ID. You do not need their account number, account type, bank name, or IFSC code etc.

### Verification

Payment is made on bank smart phone app. Screenshots / videos can be used for verification.

SMS messages are also sent to payer and payee to confirm payment.

### Duration

Payments are immediate. 24/7, 365 days a year.

Trade time should be set to 24 hours.

### Fees

Low. Either free or  no more then 5 INR ~ $0.07 USD per transaction.

### Fraud risk

Low

### Payment amounts

Maximum of 100,000 INR can be sent per transaction. This is approximately $1,350 USD.

Maximum of 100,000 INR can be sent per transaction. This is approximately $1,350 USD.

Minimum payment is 1 INR ~ $0.01 USD

Some banks have different limits for their customers. The above maximums are set by the National Payments Corporation of India.

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