UPI+Credit Card payment is absolutely useless

[hiraktalukdar]

Watching YouTube videos, I have taken a PNB Rupay Credit Card & attached with my BHIM account. Finally, I found out UPI+Credit Card payment is not accepted at any regular shops. Where it is accepted (big retailers), they already accept normal Credit Cards with reward-point benefits. It is an absolutely useless thing.

 

[Abhishek012]

UPI + cc is applicable only for Rupay, where MDR is NA (or 0) I assume

No, RuPay credit cards and UPI credit charges 2% to 3% MDR but currently only Razorpay start MDR charging for UPI credit

Soon, all other payment gateways will start UPI credit MDR charges but this MDR money will paid by merchants not customers.

Merchants will also have an option to enabled or disabled "UPI credit" payment.

@Abhishek012 Have you tried paying via UPI + cc for all transactions or have any ideas about this (quoted message) ?

As, this should be true or else people can simply rotate money by adding 2 accounts in 2 different apps and then sending money to internally via cc.... milestone benefits for all cards.. every month 😀

UPI credit payment valid only on Merchant payments P2M payment.

No linked with saving or current account. You need to open account on any payment gateways or UPI merchant apps like Gpay, Phonepe, Bharatpe, Paytm etc and register under P2M merchant (not P2PM) and then you will start accepting UPI credit payment.

See Here - Trick to pay RuPay credit card to other credit cards bill repayment, free of cost

 

[Abhishek012]

Dhanbad

My home town is also Dhanbad.

 

[hiraktalukdar]

A simple method to check whether your transaction is allowed or not , will be to check the name after QR scanning, if the name is of a individual then most probably upi+cc won’t be allowed for that transaction, and if it is under a business then transaction will go through easily . Other way simply would be to load your Paytm or PhonePe wallet using upi and pay that through Rupay cc using Bhim , and then simply use wallet balance to pay for QR codes for smaller merchants . In either way it’s a bliss.

Tried this ... doesn't work ... Tried loading Paytm wallet through BHIM UPI ... BHIM UPI only gives account option in this case, CC option is not there in drop-down menu ... Have you tried this personally?

 

[hiraktalukdar]

What i do is i load money from cc to paytm and phone pe. Now i pay from my wallet only no need to enter pasword again and again its simple one click payment.

Tried this ... doesn't work ... Tried loading Paytm wallet through BHIM UPI ... BHIM UPI only gives account option in this case, CC option is not there in drop-down menu ... Have you tried this personally?

 

[sv004]

Tried this ... doesn't work ... Tried loading Paytm wallet through BHIM UPI ... BHIM UPI only gives account option in this case, CC option is not there in drop-down menu ... Have you tried this personally?

No i dont load from upi i load from credit card directly

 

[rogerthat]

Using UPI to pay via Credit Card actually depends on the QR code you are scanning. UPI pay through CC (GPay anyway) is possible only if the scanned QR code is a BHIM QR code. Nowadays all shops have the PhonePe QR pasted everywhere with the annoying speaking thingy. If you scan those QR you will not see the CC in your payment options. I have asked one regular tea shop for his BHIM QR which he provides me to pay via CC.
I've also noticed that HDFC Payzapp QR also allows CC payment.
More info here: Google Help Pages.

 

[TechnoFinoTechnoFino is verified member.]

Using UPI to pay via Credit Card actually depends on the QR code you are scanning. UPI pay through CC (GPay anyway) is possible only if the scanned QR code is a BHIM QR code. Nowadays all shops have the PhonePe QR pasted everywhere with the annoying speaking thingy. If you scan those QR you will not see the CC in your payment options. I have asked one regular tea shop for his BHIM QR which he provides me to pay via CC.
I've also noticed that HDFC Payzapp QR also allows CC payment.
More info here: Google Help Pages.

you must scan a merchant QR code for paying via credit card, Personal account QR can't receive payment via CC