Query | Credit Card transaction through Google Pay

[Sreerag]

I do transaction using Google Pay Card on Reliance Smart. I scan the QR and chose my APay Card, then OTP comes and Txn complete. How is this categorized under, online or offline/other spend? My iMobile shows that it's Visa Direct, IN. Is it an online transaction? Or offline as I scan a QR? But I do it through Google Pay

 

[HB25]

Not sure but my guess would be offline.

 

[dav33]

I do transaction using Google Pay Card on Reliance Smart. I scan the QR and chose my APay Card, then OTP comes and Txn complete. How is this categorized under, online or offline/other spend? My iMobile shows that it's Visa Direct, IN. Is it an online transaction? Or offline as I scan a QR? But I do it through Google Pay

what is google pay card or u mean amazon pay
does gpay allow to link apay / credit cards since i dont see in my ios app.
scanning any qr code and paying will be classified as online payment.
also if u did transaction from qr code using credit card then the qr code must be a bharat pay code

 

[Sreerag]

what is google pay card or u mean amazon pay
does gpay allow to link apay / credit cards since i dont see in my ios app.
scanning any qr code and paying will be classified as online payment.
also if u did transaction from qr code using credit card then the qr code must be a bharat pay code

I don't think iPhones allow to add cards but in Androids you can add select cards from select banks. This can be used for Bill payments, recharge, pay one using Bharat QR. You can also use Tap and Pay if you have an NFC Phone.

Offline. Same for Samsung Pay. They will also send MCC code to Card issuer.

I meant for online Bharat QR txns. Tap and pay will obviously be offline as it is replacement for physical card but does online Pay (using OTP) online or offline. I receive OTP for using CC on GPay.


It would be helpful if anyone uses this replies.

 

[jack333]

Is gpay charging any convinience fee for electricity bill payments through credit card? Freecharge app is charging 1.18% convenience fee

 

[Sreerag]

Is gpay charging any convinience fee for electricity bill payments through credit card? Freecharge app is charging 1.18% convenience fee

No it's free as of now

 

[Sreerag]

It would be helpful if anyone uses this replies.

Anyone here knows how Bharat QR txns are routed (online or offline)

 

[TheTrickySid]

I do transaction using Google Pay Card on Reliance Smart. I scan the QR and chose my APay Card, then OTP comes and Txn complete. How is this categorized under, online or offline/other spend? My iMobile shows that it's Visa Direct, IN. Is it an online transaction? Or offline as I scan a QR? But I do it through Google Pay

Just wanna know what type of transactions can we carry out through credit card using gpay??

 

[Sreerag]

Just wanna know what type of transactions can we carry out through credit card using gpay??

Tap and pay, BharatQR Merchants, Bill Payments and Tax Payments etc.

 

[moonsmart]

I do transaction using Google Pay Card on Reliance Smart. I scan the QR and chose my APay Card, then OTP comes and Txn complete. How is this categorized under, online or offline/other spend? My iMobile shows that it's Visa Direct, IN. Is it an online transaction? Or offline as I scan a QR? But I do it through Google Pay

It's an offline transaction.
I use Ace card from Google pay when scanning Bharat QR as well as NFC for offline merchants and the merchant name is mentioned in the settled transactions.

 

[moonsmart]

I don't think iPhones allow to add cards but in Androids you can add select cards from select banks. This can be used for Bill payments, recharge, pay one using Bharat QR. You can also use Tap and Pay if you have an NFC Phone.



I meant for online Bharat QR txns. Tap and pay will obviously be offline as it is replacement for physical card but does online Pay (using OTP) online or offline. I receive OTP for using CC on GPay.


It would be helpful if anyone uses this replies.

In my case when I use gpay for Bharat QR payment using Axis Ace card, it's considered offline transaction since merchant's name is clearly mentione, same as Tap n pay transactions.

 

[Sreerag]

In my case when I use gpay for Bharat QR payment using Axis Ace card, it's considered offline transaction since merchant's name is clearly mentione, same as Tap n pay transactions.

Yes but it is showing Visa Direct, IN instead of Mumbai, IN. Is it because the Txn is routed through Visa?

 

[moonsmart]

Yes but it is showing Visa Direct, IN instead of Mumbai, IN. Is it because the Txn is routed through Visa?

It might be, but does it says visa direct after transaction is settled?
I haven't used apay card or other ICICI card on Bharat QR or Tap n pay. Only used Ace for these offline transactions.

 

[Sreerag]

It might be, but does it says visa direct after transaction is settled?
I haven't used apay card or other ICICI card on Bharat QR or Tap n pay. Only used Ace for these offline transactions.

Yes it shows in my iMobile app, for eg RELIANCE SMART, Visa Direct, IN

 

[moonsmart]

Yes it shows in my iMobile app, for eg RELIANCE SMART, Visa Direct, IN

Well for your case, using Apay card gives 1% cashback regardless if the transaction is considered online or offline. Same with Ace, it'll give 2% but have to see with a card like simplyclick which gives different rewards on online vs offline.

I once made a purchase on Domino's dine in option using BoB Premier card, and it was considered as online rather than dining so didn't got 2.5% rewards. Customer care told me that I've to use the card on POS machine for it to be considered offline.

 

[ajhirwal033]

What if sbi cashback card is used for scan and pay bharat qr , will it be count as online transaction and eligible for 5% cashback?

 

[anonymuos]

For my Mastercard credit cards from HDFC and RBL, via BharatQR, it says "Merchant name MUMBAI IND" but for my Visa CCs, it says "Merchant name Visa Direct, IND".

Payments via credit cards are considered online transactions in GPay. I confirmed this via my IDFC FIRST Bank Classic credit card whose statement clearly shows monthly offline (3X RPs) and online spends (6X). Wherever and whichever month I've paid using this card via GPay, every statement says 0 RPs for offline but I see a ton of RPs accumulated on online.

This makes sense that they would be treated as online transactions because the card as you know is tokenized. We enter the actual card numbers, expiry and CVV just like an online transaction when storing the card, only instead of storing it as plaintext, it is encrypted. And of course, we've to enter the OTP as well just like for any online transaction.

So that answers the question about SBI Cashback card as well. You will get 5% cashback if scanning and paying via BharatQR.

Oh and UPI QR code scan and pay transactions via RuPay CC are also online transactions but of course, banks have a reward structure that is different for UPI RuPay CC transactions. But the statement again shows 0 RPs for offline for IDFC FIRST Digital RuPay CC.