Credit Card UPI declined by Merchant

[MetaCredit]

check per-txn limit set at imobile>cards>(rupay card)>manage card>set per-txn limit>online txn

I have set the maximum limit but still giving the same error.

 

[MetaCredit]

Try with different cc or different merchant each card has its limits

I got only on Rupay CC and do not have other CC to pay through the UPI by scanning the QR. Also getting same error for every merchant.

 

[Kumar93196]

Which cc you have

 

[gauravbhati]

I got only on Rupay CC and do not have other CC to pay through the UPI by scanning the QR. Also getting same error for every merchant.

Trying registering the rupay card on different UPI platforms.
For me Payzapp doesn't allows payment more than 2k on some merchants but I am easily able to pay using Phonepe... I hv tried this thing on hdfc tata neu and kotak myntra rupay cc...

 

[Kumar93196]

Trying registering the rupay card on different UPI platforms.
For me Payzapp doesn't allows payment more than 2k on some merchants but I am easily able to pay using Phonepe... I hv tried this thing on hdfc tata neu and kotak myntra rupay cc...

For payments more than 2k it's upto the merchant that they enabled it or not. It's not about the app

 

[gauravbhati]

For payments more than 2k it's upto the merchant that they enabled it or not. It's not about the app

I know that I have a merchant account too on which I've enabled/disabled that 2k thing many time as per need...

But most of time I've seen many app rejects the payment by saying that your bank has stopped the payment due to risk assessments. And the same payment went smoothly through the different app.

So as you have only one rupay cc so I suggested you to try with 2-3 different apps on multiple merchants.

 

[Kumar93196]

I know that I have a merchant account too on which I've enabled/disabled that 2k thing many time as per need...

But most of time I've seen many app rejects the payment by saying that your bank has stopped the payment due to risk assessments. And the same payment went smoothly through the different app.

So as you have only one rupay cc so I suggested you to try with 2-3 different apps on multiple merchants.

Yup that's the right approach at least gold 2/3 rupay cc

 

[psmangat5]

Yes, Many big merchants have disabled, I paid 31950 to my friend through Rupay Credit Card UPI. he showed me he got 750₹ less as it 2% + GST is MDR on it.

 

[White_Fox]

"Currently this merchant is not accepting payment through credit cards, overdrafts or prepaid payments instruments on UPI."

I used to believe that a merchant has no option to disable Credit card UPI payment. One guy in this community (He has a merchant QR code) told me this. But today my upi transaction got declined saying the above statement. So my question is do they really have an option to disable credit card upi?

Please visit this thread for the probable solution: CPGRAMS - Rupay CC UPI not accepted by merchants

 

[White_Fox]

Please visit this thread for the probable solution: CPGRAMS - Rupay CC UPI not accepted by merchants

"Currently this merchant is not accepting payment through credit cards, overdrafts or prepaid payments instruments on UPI."

I used to believe that a merchant has no option to disable Credit card UPI payment. One guy in this community (He has a merchant QR code) told me this. But today my upi transaction got declined saying the above statement. So my question is do they really have an option to disable credit card upi?

 

[sunit123]

Many times problem is not with merchant but with UPI apps...I tested multiple UPI apps and concluded that 90% upi apps failed to recognize the QR code as merchant code thus only show bank account as default option.

For example, i tested one merchant QR code and the default option shown on Phonepe, Gpay, Yespay next, Paytm and Jio was bank account whereas Freecharge and super money allowed me to pay through rupay credit card

 

[Deleted member 35969]

"Currently this merchant is not accepting payment through credit cards, overdrafts or prepaid payments instruments on UPI."

I used to believe that a merchant has no option to disable Credit card UPI payment. One guy in this community (He has a merchant QR code) told me this. But today my upi transaction got declined saying the above statement. So my question is do they really have an option to disable credit card upi?

Very common nowadays

 

[adldeeps]

For me 50% is failure rate for bigger merchants barcode or online both, 100% failure on Bharat Pe, works fine with Paytm and Phone pe speakers