Rupay credit card payment split as multiple small payments due to small merchant for 15k spend

[sarathtg]

I have a 15k payment which needs to be done next month towards a temple festival and I was thinking if I can do 1K daily to my contact who has merchant QR for her astrology related work. This way I can also get rewards and my contact will withdraw from ATM and pay to the temple (As they don't have proper accounts yet)

My question is will this create any red flags for my transactions either for me or the merchant ? I have 3 rupay credit cards and can use them alternatively everyday to make the payment. Kiwi has best rewards while other 2 reward rate is less but still fine.

Please share your insights

 

[NABNAB is verified member.]

If it's a genuine merchant account that receives regular payments from different customers, then there are no issues. But, if you are occasionally getting the payment on that QR, then it can be an issue.

 

[rajcasio]

A friend of mine is doing this kind of transaction to his brother's not so active Merchant QR.
Who will face more issues?
Sender or the Receiver or both?

 

[sarathtg]

A friend of mine is doing this kind of transaction to his brother's not so active Merchant QR.
Who will face more issues?
Sender or the Receiver or both?

Same doubt is what I have

 

[Half Human]

A friend of mine is doing this kind of transaction to his brother's not so active Merchant QR.
Who will face more issues?
Sender or the Receiver or both?

No issues per se. Only thing is that, the receiver should keep his/her ITR in mind, or else you'll lose some money with Taxation