CC on Upi disabled by merchant

[Arkapal Sen]

So i use to pay a meat shop owner with Kiwi CC (yes bank klick cc) from Kiwi App from past few months..
His qr code MCC is 5411
Now all of a sudden, its showing before payment..
CC on Upi disabled by merchant
i thought since my spends on this merchant qr is high..KIWI might have blocked it..
But i check on my other rupay CC (icici coral rupay).. there also its showing.. CC on Upi disabled by merchant
now i called the shop owner..he said..
Na vai..i didnt do anything like that..why will i..as none buy's meat more than 2000..so i dont have to bear charges..
now is he lying or really due to my spends..cc has been blocked by banks?

 

[Arkapal Sen]

@HumorSimpson @Abhishek012 @SSV @6ix9ine @vine @prc1990 and other ko bhi tag kardo..
Help plox everyone

 

[alwayswin69]

So i use to pay a meat shop owner with Kiwi CC (yes bank klick cc) from Kiwi App from past few months..
His qr code MCC is 5411
Now all of a sudden, its showing before payment..
CC on Upi disabled by merchant
i thought since my spends on this merchant qr is high..KIWI might have blocked it..
But i check on my other rupay CC (icici coral rupay).. there also its showing.. CC on Upi disabled by merchant
now i called the shop owner..he said..
Na vai..i didnt do anything like that..why will i..as none buy's meat more than 2000..so i dont have to bear charges..
now is he lying or really due to my spends..cc has been blocked by banks?

he must be lying..

 

[panchabhut]

at current market rates, even a small party would require meat worth more than 2000. so it should be quite common.

 

[Arkapal Sen]

he must be lying..

100% sure? i m also thinking that bcuz both cc r showing same thing

 

[Arkapal Sen]

at current market rates, even a small party would require meat worth more than 2000. so it should be quite common.

yeah i know..even his above 2k things r blocked..below was open..but below 2k also now blocked

 

[HumorSimpson]

Is Navratri mein @D₹V (Du₹ga DeVi) ki mahima hain yeh.

 

[Arkapal Sen]

Is Navratri mein @D₹V (Du₹ga DeVi) ki mahima hain yeh.

tumlog bhai navaratri kar rahe ho..idhar mere chicken wale mera ratri ko aur kala kar raha hai

 

[telescope]

So i use to pay a meat shop owner with Kiwi CC (yes bank klick cc) from Kiwi App from past few months..
His qr code MCC is 5411
Now all of a sudden, its showing before payment..
CC on Upi disabled by merchant
i thought since my spends on this merchant qr is high..KIWI might have blocked it..
But i check on my other rupay CC (icici coral rupay).. there also its showing.. CC on Upi disabled by merchant
now i called the shop owner..he said..
Na vai..i didnt do anything like that..why will i..as none buy's meat more than 2000..so i dont have to bear charges..
now is he lying or really due to my spends..cc has been blocked by banks?

he might not be lying. My brother has a small business and I have enabled gpay for business for him. cc payments doesn't work or that qr. It's disabled by default and I have checked all the settings and there is no option to even enable rupay cc.

 

[alwayswin69]

100% sure? i m also thinking that bcuz both cc r showing same thing

yes, banks won't block your card for a particular merchant (unless the spends are very unusual which im assuming wouldnt be a factor in your case).
try using it on some other merchant QR code and see if you are able to make a transaction

 

[Arkapal Sen]

he might not be lying. My brother has a small business and I have enabled gpay for business for him. cc payments doesn't work or that qr. It's disabled by default and I have checked all the settings and there is no option to even enable rupay cc.

even his merchant is also from gpay..but it was enabled nearly so many months..all of a sudden gpay blocking it!

 

[Arkapal Sen]

yes, banks won't block your card for a particular merchant (unless the spends are very unusual which im assuming wouldnt be a factor in your case).
try using it on some other merchant QR code and see if you are able to make a transaction

i see..need to check that then

 

[telescope]

even his merchant is also from gpay..but it was enabled nearly so many months..all of a sudden gpay blocking it!

then blame gpay. I am sure he is not lying.

 

[Arkapal Sen]

then blame gpay. I am sure he is not lying.

yeah bcuz he is no doubt frndly shop keeper..even he knows that i get some cashback..he says i also want u to earn something as my monthly spends is ~10k for chicken..need to talk with him regarding this gpay issue

 

[SonyTom]

Did he change his QR recently

 

[vine]

never heard of gpay or anyone else auto disabling it.
I wont ask you to check his phone settings, but try to use another cc or use your cc on another merchant, or may be an issue with the qr code
Only chicken 10k, is it business?

 

[Abhishek012]

he might not be lying. My brother has a small business and I have enabled gpay for business for him. cc payments doesn't work or that qr. It's disabled by default and I have checked all the settings and there is no option to even enable rupay cc.

RuPay CC UPI accept only on Full kyc merchants.

The money in Credit UPI comes from banks. If a merchant with only basic KYC commits fraud and runs away, how will the banks catch them? That's why full KYC is mandatory for accepting Credit UPI.

Tell merchants to contact their companies to enable RuPay Credit Card UPI and complete full KYC. Banks or UPI QR issuer fintech companies disable the Credit on UPI service until full KYC is completed

Here "Small shopkeepers struggle after RuPay-UPI integration due to KYC norms" -

Small shopkeepers struggle after RuPay-UPI integration due to KYC norms

Small shopkeepers accepting credit card payments through OR code are facing difficulties in completing KYC requirements due to the integration of RuPay with UPI. While UPI only requires an issuer account, to accept credit card payments, shopkeepers must follow payment network guidelines, which...

m.economictimes.com

@Arkapal Sen
@alwayswin69
@panchabhut
@HumorSimpson
@telescope
@SonyTom
@vine

 

[Aniket]

So i use to pay a meat shop owner with Kiwi CC (yes bank klick cc) from Kiwi App from past few months..
His qr code MCC is 5411
Now all of a sudden, its showing before payment..
CC on Upi disabled by merchant
i thought since my spends on this merchant qr is high..KIWI might have blocked it..
But i check on my other rupay CC (icici coral rupay).. there also its showing.. CC on Upi disabled by merchant
now i called the shop owner..he said..
Na vai..i didnt do anything like that..why will i..as none buy's meat more than 2000..so i dont have to bear charges..
now is he lying or really due to my spends..cc has been blocked by banks?

Share the QR code, we will try to see, either kiwi or Axis has blocked. Or it was merchant or PSP.

Less possibility that it was blocked from the end of bank.

 

[Arkapal Sen]

Did he change his QR recently

na.. same qr

 

[Arkapal Sen]

never heard of gpay or anyone else auto disabling it.
I wont ask you to check his phone settings, but try to use another cc or use your cc on another merchant, or may be an issue with the qr code
Only chicken 10k, is it business?

i eat 1kg chicken daily bro..