PNB card has been working fine for me. Could be merchant level issues though. A merchant wherein I had no issues earlier, now I can't pay with either PNB or HDFC on any app, Bhim, Paytm, Cred or Phonepe. It was working fine till last month. But both cards and all 4 apps working fine on other merchants. And on the merchant wherein I have issues now, UPI payments from account is working, and the merchant is still listed as business. What could be the issue?