How to increase monthly spends on credit card?

[coinhunter]

Heard feedback from my office colleagues that those accounts who do bank transfer, paytm will add more charges to load wallet like 2.65%-4.5% and they block the 4k load via other apps too.
so didnt risk it, again its my own precaution, not sure how the algorithm works

That is strange. PayTM says on their app "Send money from your wallet to bank for FREE."

PS: I haven't tried either.

 

[coinhunter]

in south majority of merchants have paytm QRs so i didnt even mapped my bank acc to paytm so far

If you haven't mapped your bank account to PayTM, then how do you add funds to your PayTM wallet?

 

[Wealth is my birth right!]

That is strange. PayTM says on their app "Send money from your wallet to bank for FREE."

PS: I haven't tried either.

banking is always a *conditions apply business....we've to be cautious.
but how many of us read MITC of a card fully end to end, practically we wont do

 

[Wealth is my birth right!]

If you haven't mapped your bank account to PayTM, then how do you add funds to your PayTM wallet?

why bank acc required to add money by zomato using amex card and apend that money by qr scan and cc bill pay

 

[coinhunter]

why bank acc required to add money by zomato using amex card and apend that money by qr scan and cc bill pay

That way it works, but if I try to pay an individual let's say a carpenter or plumber with their personal UPI QR code, then it doesn't show the wallet payment option. That is what I'm referring to.

 

[Wealth is my birth right!]

That way it works, but if I try to pay an individual let's say a carpenter or plumber with their personal UPI QR code, then it doesn't show the wallet payment option. That is what I'm referring to.

those QRs plumber/carpenter use will be of personal QR, try with paytm merchant QRs which shopkeepers show to scan it will go from wallet balance.
only hassle i had is for fuel it didnt worked and on research i got to know some 'fuel wallet' there inapytm and w eneed to have balance in that for fuel QRs but i didnt tried to explore it so far

 

[bugmenot]

Fuel wallet can be used only for those merchants QR who selected fuel as category while registering.

Normal wallet balance can ONLY be used to pay paytm upi merchant QR, won't work for others like gpay, phonepe, amazon pay QR

99xxxxxxxx@amazonpay balance can be transferred to paytm wallet via 99xxxxxxxx.wallet@paytm but not vice versa, if that's possible then can be used on any QR

 

[coinhunter]

those QRs plumber/carpenter use will be of personal QR, try with paytm merchant QRs which shopkeepers show to scan it will go from wallet balance.
only hassle i had is for fuel it didnt worked and on research i got to know some 'fuel wallet' there inapytm and w eneed to have balance in that for fuel QRs but i didnt tried to explore it so far

Will try the merchant QR thing tomorrow. Isn't there any way to pay personal QR via wallet? That would be great.

 

[harsh42s]

Do we get 5% cashback on fastag recharge via cred on SBI cashback card?

 

[Rahul Gupta]

Will try the merchant QR thing tomorrow. Isn't there any way to pay personal QR via wallet? That would be great.

Let me interfere here a little bit. I am a paytm merchant and accept 1+ lakh every month via paytm QR/payment link.
If you scan somebody's paytm QR and wallet option is not coming then it means they have not completed their KYC. Anyone without kyc can use paytm upi.

 

[Wealth is my birth right!]

Let me interfere here a little bit. I am a paytm merchant and accept 1+ lakh every month via paytm QR/payment link.
If you scan somebody's paytm QR and wallet option is not coming then it means they have not completed their KYC. Anyone without kyc can use paytm upi.

So the concept here merchants also should be full kyc so then only their qr can be paid by our wallet balance?
Thanks for sharing the own merchant experience

 

[Wealth is my birth right!]

Do we get 5% cashback on fastag recharge via cred on SBI cashback card?

Are you getting charged for recharge or paying only for recharge value?
Didn’t used sbi cb card there yet

 

[Wealth is my birth right!]

Will try the merchant QR thing tomorrow. Isn't there any way to pay personal QR via wallet? That would be great.

At the moment no.
Paytm turning tight nowadays may be to get their ban removed
In scb bbps we can’t recharge paytm fastag with cc they made recharge only by saving accounts balance

 

[coinhunter]

Let me interfere here a little bit. I am a paytm merchant and accept 1+ lakh every month via paytm QR/payment link.
If you scan somebody's paytm QR and wallet option is not coming then it means they have not completed their KYC. Anyone without kyc can use paytm upi.

Thanks for clarifying, mate.

 

[Parvesh Goyal]

Let me interfere here a little bit. I am a paytm merchant and accept 1+ lakh every month via paytm QR/payment link.
If you scan somebody's paytm QR and wallet option is not coming then it means they have not completed their KYC. Anyone without kyc can use paytm upi.

Not like that. If merchant has common QR code, then it will be going through UPI. If merchant has particularly Paytm wallet QR code, then only the payment can b made through Paytm wallet. As per my knowledge merchant with Paytm wallet QR code no need to do the kyc. It's already there by default.

 

[Wealth is my birth right!]

Not like that. If merchant has common QR code, then it will be going through UPI. If merchant has particularly Paytm wallet QR code, then only the payment can b made through Paytm wallet. As per my knowledge merchant with Paytm wallet QR code no need to do the kyc. It's already there by default.

Oh okays
Wallet qr new term to learn
So my locality small vendors all got wallet qr i think to encourage cc holders lol

 

[Rahul Gupta]

So the concept here merchants also should be full kyc so then only their qr can be paid by our wallet balance?
Thanks for sharing the own merchant experience

yes

 

[navonline7]

When I scanned it using my PayTM app, it doesn't give me the option to pay from walle

Paying through paytm wallet is available when you scan paytm QR code only

 

[coinhunter]

So here is what I did, I only managed to transfer max of 4k on my PayTM wallet via Uber. There was small number of funds already on my PayTM wallet before and maybe that's why I am unable to use other apps to add more funds. It is giving me an error that I have reached the max limit of 4k using a credit card to add funds to my wallet.

From PayTM Wallet, I transferred to PayTM Bank and from there I can pay smoothly to whoever I want to. It works on personal QR too. The transfer was real-time.

 

[Rahul Gupta]

Not like that. If merchant has common QR code, then it will be going through UPI. If merchant has particularly Paytm wallet QR code, then only the payment can b made through Paytm wallet. As per my knowledge merchant with Paytm wallet QR code no need to do the kyc. It's already there by default.

Bro if your merchant account is created by a paytm agent then they will do your kyc on spot and your wallet will be created otherwise if you create merchant account yourself then you have option to just receive upi as payment option without kyc.