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I recently switched my Tata Neu Infinity Card from Visa to RuPay a few weeks ago and added it to CRED, PayZapp, PayTM, and GPay.
I attempted to make payments using the UPI QR code of the merchant (CRED/PayZapp), but encountered failures. Despite multiple attempts, the scanner method continued to fail. Subsequently, I tried the tap to pay feature at two different locations in the city, but it also proved unsuccessful (Different days). Ultimately, I resorted to swiping the card, which worked. It's worth noting that Tap to Pay and online/PoS payments were both enabled. Initially, I dismissed these issues, thinking they might have been isolated incidents.
Later, I attempted to use ICICI's Coral RuPay card for an online transaction. However, on the OTP page, after receiving the OTP, the page malfunctioned, leading to a dropped transaction. I had to use another Visa card for the payment.
Today, I made another attempt to pay via UPI (CRED) payment to a merchant, using my default Tata Neu card. Once again, it failed, citing that the card/network was down. Consequently, I had to use bank's UPI for the transaction.
After these experiences, it's apparent that the RuPay network may not be as refined as it could be. This isn't an isolated incident; rather, it appears to be a recurring issue with the network itself, rather than the individual banks. I've rarely encountered such difficulties with Visa or Mastercard.
While I intend to persist and hope for improvements over time, I must admit that the current experience has been somewhat disappointing and even embarrassing, given the instances of declined card payments and the resulting inconvenience.
What you think could be wrong?
P.S. I've tried again another day and it worked, so it's hit or a miss. Not a persistent problem.
I attempted to make payments using the UPI QR code of the merchant (CRED/PayZapp), but encountered failures. Despite multiple attempts, the scanner method continued to fail. Subsequently, I tried the tap to pay feature at two different locations in the city, but it also proved unsuccessful (Different days). Ultimately, I resorted to swiping the card, which worked. It's worth noting that Tap to Pay and online/PoS payments were both enabled. Initially, I dismissed these issues, thinking they might have been isolated incidents.
Later, I attempted to use ICICI's Coral RuPay card for an online transaction. However, on the OTP page, after receiving the OTP, the page malfunctioned, leading to a dropped transaction. I had to use another Visa card for the payment.
Today, I made another attempt to pay via UPI (CRED) payment to a merchant, using my default Tata Neu card. Once again, it failed, citing that the card/network was down. Consequently, I had to use bank's UPI for the transaction.
After these experiences, it's apparent that the RuPay network may not be as refined as it could be. This isn't an isolated incident; rather, it appears to be a recurring issue with the network itself, rather than the individual banks. I've rarely encountered such difficulties with Visa or Mastercard.
While I intend to persist and hope for improvements over time, I must admit that the current experience has been somewhat disappointing and even embarrassing, given the instances of declined card payments and the resulting inconvenience.
What you think could be wrong?
P.S. I've tried again another day and it worked, so it's hit or a miss. Not a persistent problem.
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