New Delhi, Sept. 17 -- Here comes an app claiming to split UPI payments into Rs.1,999 instalments. The idea has sparked considerable debate on LinkedIn. Shared by CA Akhil Agarwal, the screenshot drew amusement, several practical questions and warnings from commenters.

Agarwal described the idea as "UPI, but with a little jugaad". He asked whether splitting payments into smaller amounts could help avoid charges.

LiveMint could not independently verify the app's authenticity.

The screenshot shows a tool requesting a UPI ID, the account holder's name, and the amount. It then offers separate QR codes for payments of up to Rs.1,999 each.

An example shows Rs.4,500 divided across three QR codes. The page promises, "Collect the full amount. ...