Does this UPI pain point annoy you too? Thinking of building a solution

Genuine question for people who use multiple UPI apps —

I use SuperMoney for payments via RuPay credit card and BHIM as my fallback. Every time I scan a QR code at a new shop I have no idea if they'll accept credit card on UPI or not, if not then I have to open BHIM and scan again. Annoying every single time.

The fix seems obvious to me: an app that scans the QR, reads the Merchant Category Code (MCC) hidden in the UPI URI, and automatically opens the right app for that merchant. Credit card accepted? Opens SuperMoney. else Opens BHIM. Both apps configurable by the user as per their credit card or app offers.

Before I start building this I want to know:

Does this actually frustrate others or is it just me?

Would you use a standalone app just for this, or would it need to do more?

What would make you NOT use it? (Privacy concerns, extra step, etc.)

Not trying to sell anything — genuinely validating whether this is worth 3 months of effort. Brutal feedback welcome.