Currently it is impossible.
How to use dual UPI Apps?
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Use secondary accounts under Work Profile in Island. Issues in case of a few apps like BHIM (registration itself can't be completed ) , MK (UPI can't be activated ) as the verification SMS can't be read and Bajaj FinServ (immediately force closes after launching complaining about being installed from other than Play Store) . At least BHIM can be made to work easily in MIUI using dual apps feature but not Bajaj. Haven't checked MK. More and more apps are now resorting to Play Signing so clones will not work.
Edit: I was able to activate UPI in case of MK in dual apps.
Not working in Island
this doesn't work with all upi apps like paytm
but work with most of them like phonepe
Amazon & Paytm are working fine with Mi dual apps, but bajaj is not working
In Samsung phones , there is feature called secure folder.
When I had 2 SIM cards , I used to have 2nd SIM related apps in secure folder.
All UPI apps worked then.
I have closed my 2nd number since last 1 year so don't have any latest information.
Samsung have patched that citing security reasons as per policy by Banking and Payment apps provider.
I was using MI phones for 5+ years with dual app functionality working beautifully for almost all the apps. I was even able to register apps with Island profile app without any issues.
Recently I switched to Oneplus thinking that I would be able to continue duplicate apps using Island at least if no dual app functionality available. But I am so disappointed to see that apps in the work profile can't be registered as SMS not being sent for sim verification. It wasn't any issue with my old MI phone.
Does anyone know any work around to use Gpay, Cred, Amazon etc as clone in Oneplus?
@flash007
It's most likely a issue with A14. Starting with this version apps in Work Profile are no longer allowed to send or read SMS. Dunno what's the status in case of A15 which BTW comes with a kind of substitute called Private Space.
Edit: More and more apps are now disallowing their use in the Work/Sec. Profile so before long irrespective of the Android OS version will put an end to use of the 2nd account. Couple that with restrictions on sideloading and Android moves ever closer to the neutered, soul-crushing corporatised iOS.
Use secondary accounts under Work Profile in Island. Issues in case of a few apps like BHIM (registration itself can't be completed ) , MK (UPI can't be activated ) as the verification SMS can't be read and Bajaj FinServ (immediately force closes after launching complaining about being installed from other than Play Store) . At least BHIM can be made to work easily in MIUI using dual apps feature but not Bajaj. Haven't checked MK. More and more apps are now resorting to Play Signing so clones will not work.
Edit: I was able to activate UPI in case of MK in dual apps.