UPI killing usage of cards

[iamdhamo]

Cos of UPI merchants are asking to use to pay via UPI instead of cc and this makes a cause where in the same shop I had used cc now I m using UPI. Also the merchant has stopped to accept upi via rupay cc. Incase if I ask cc payment then he asks the mdr to be paid by me

Hence my cc is also dormant n my rupay cc is also dormant.

Have you people started to face this scenario?

 

[dan873]

Kaha se yeh sab bakwas info late ho, RuPay is not going to allow chargeback ?

Khud se ghar me banate ho ya kahi class join kiye ho uneducated hone ka ?

Paheli baat toh fruit seller se kon chargeback karta hai, dusri baat chargeback sab me hote hai. UPI and RuPay etc sab me.

Read this story -

View attachment 48702

Chargeback is allowed on rupay UPI transaction?
Can It be used in normal UPI bank transfers too??

It could revolutionary if this works probably put an end to many scams

 

[HumorSimpson]

Kaha se yeh sab bakwas info late ho, RuPay is not going to allow chargeback ?

Khud se ghar me banate ho ya kahi class join kiye ho uneducated hone ka ?

Paheli baat toh fruit seller se kon chargeback karta hai, dusri baat chargeback sab me hote hai. UPI and RuPay etc sab me.

Read this story -

View attachment 48702

Well charged against him 👏

 

[Abhishek012]

Chargeback is allowed on rupay UPI transaction?
Can It be used in normal UPI bank transfers too??

It could revolutionary if this works probably put an end to many scams

Yes, RuPay CC UPI chargeback allowed.

Normal UPI P2P - Well, wrong UPI transfer chargeback allowed, UPI P2M (Merchant UPI) - yes full chargeback process allowed.

 

[SamPtnk]

which bank ? dnt say SBI 🤣🤣

Axis chomu

Sbi hota to mil jata

 

[Abhishek012]

Axis chomu

Sbi hota to mil jata

Ok . . 😀

 

[amit]

My office canteen stopped UPI on cc, although the amount is only 55-60 rs.

 

[Abhishek012]

My office canteen stopped UPI on cc, although the amount is only 55-60 rs.

Some merchants are misusing CC on UPI free MDR service and later banks/payment companies start charging MDR under 2k payment.

 

[SamPtnk]

Can It be used in normal UPI bank transfers too??

It could revolutionary if this works probably put an end to many scams

Actually it will open another can of worms

Say you sold something to X in this forum and after receiving the gc he raises a charge back

Your money and gc both will be

 

[Abhishek012]

Actually it will open another can of worms

Say you sold something to X in this forum and after receiving the gc he raises a charge back

Your money and gc both will be

No, you can denied the chargeback. 🤣🤣

 

[dan873]

Actually it will open another can of worms

Say you sold something to X in this forum and after receiving the gc he raises a charge back

Your money and gc both will be

Obviously There is going to be some kind of Query, investigation before approving chargeback ,isn't it?

 

[amit]

My office canteen stopped UPI on cc, although the amount is only 55-60 rs.

55-60 rs was for Lunch stall, but tea stall still accept UPI on cc 12 rs per day.

 

[Abhishek012]

Obviously There is going to be some kind of Query, investigation before approving chargeback ,isn't it?

Yes bro. UPI chargeback launched 6 years ago.

many people told, someone will raises a charge back and you will lose your gv and money.

But till date we have never heard of this happening to anyone.

 

[dan873]

Yes bro. UPI chargeback launched 6 years ago.

many people told, someone will raises a charge back and you will lose your gv and money.

But till date we have never heard of this happening to anyone.

Bro
Seeing your Infinite enthusiasm to promote rupay, curious to know how much NPCI and rupay pays you 🤪

Just kidding

 

[Shubham Yadav]

Bro
Seeing your Infinite enthusiasm to promote rupay, curious to know how much NPCI and rupay pays you 🤪

Just kidding

Too much cash and cashback he recieved

 

[HumorSimpson]

Bro
Seeing your Infinite enthusiasm to promote rupay, curious to know how much NPCI and rupay pays you 🤪

Just kidding

0.00000012% on overall upi txns made. This is paid quarterly.

 

[SamPtnk]

No, you can denied the chargeback. 🤣🤣

Thats good to know but say he says I have transferred to wrong account how will you deny charge back ?

 

[souvikr]

Seriously, I feel hearbroken when I see merchant has blocked upi cc option. I don't feel like visiting that shop again.

 

[karunjay]

you may consider activating your credit cards for regular use or exploring alternative payment options such as digital wallets that support both UPI and card payments. OR you can discuss the discount rate issue with the merchant and negotiate a mutually acceptable solution.

 

[paxauquabriba-4876]

Kaha se yeh sab bakwas info late ho, RuPay is not going to allow chargeback ?

If you read correctly I said rupay wont bother for chargeback from fruit seller which again defeats the purpose of using cc = buyer protection. Advertisement ≠ Reality as even raising chargeback from major networks is challenging in India due to the country specific malpractice of issuing banks requiring confirmation of refund 1st from seller; which again stems from non enforcement & zero awareness of consumer rights & ignorance + innocence of indian buyers/consumers.

Khud se ghar me banate ho ya kahi class join kiye ho uneducated hone ka ?

I can be illiterate & uneducated as fack but what I have said are facts which remain true regardless.

Paheli baat toh fruit seller se kon chargeback karta hai, dusri baat chargeback sab me hote hai. UPI and RuPay etc sab me.

Again this very slave mentality is wrong with buyers in india who have given up hope & got used to the non existence of consumer rights due to being repeatedly hamped in the arsh by sellers/merchants on daily basis who even have the audacity to ask to cover merchannt's mdr%=illegal. UPI & rupay CC+UPI will again promote that indian buyers get hamped in the arsh by seller/merchant mentality. So yes if a fruit was bad quality then CC assures buyer protection (Reason Code 13.3: Consumer Disputes) via chargeback (Not As Described Or Defective Merchandise/Services) maybe not in India but in USA.

UPI =Cash . So chargeback for UPI = the biggest dump of vul cit. If chargeback via UPI was possible then why so many frauds & govt advertising not to send money as even govt knows that once money gone then even govt cannot save ur arsh

Abhishek012, I understand that you’re passionate about this topic, and I appreciate your perspective. Let’s break down some of the points you’ve raised:

1. RuPay and Chargebacks:
   
   • Rightly pointed out that RuPay cards may not be as robust in terms of chargeback protection as some other major networks. Chargebacks can indeed be challenging in India due to specific practices by issuing banks.
   • The lack of awareness about consumer rights and the innocence of Indian buyers can contribute to this issue.
2. Fruit Seller Chargebacks:
   
   • You mentioned that it’s unlikely for someone to raise a chargeback against a fruit seller. This is true; chargebacks are more commonly associated with larger transactions or online purchases.
   • However, the absence of chargebacks from smaller vendors doesn’t negate the overall value of credit cards for buyer protection.
3. UPI and RuPay:
   
   • UPI and RuPay are essential payment systems in India, but they operate differently from credit cards.
   • While chargebacks are less common with UPI, it’s essential to recognize that these systems serve different purposes. UPI is primarily for instant fund transfers, whereas credit cards offer additional protections.
4. Consumer Rights and Awareness:
   
   • Highlighted the lack of consumer rights enforcement and awareness in India. This is indeed an issue that needs attention.
   • In the USA, credit cards provide stronger buyer protection through chargebacks, especially for cases like receiving defective merchandise.
5. UPI as Cash Equivalent:
   
   • UPI transactions are akin to cash payments. Unlike credit cards, UPI doesn’t offer the same chargeback mechanism.
   • Fraud prevention and awareness are crucial, and the government’s efforts to educate people about safe transactions are commendable.

Remember that each payment system has its strengths and limitations. While credit cards excel in buyer protection, UPI and RuPay serve different purposes. It’s essential for consumers to understand their options and make informed choices based on their needs and circumstances. 🌟

 

[HumorSimpson]

If you read correctly I said rupay wont bother for chargeback from fruit seller which again defeats the purpose of using cc = buyer protection. Advertisement ≠ Reality as even raising chargeback from major networks is challenging in India due to the country specific malpractice of issuing banks requiring confirmation of refund 1st from seller; which again stems from non enforcement & zero awareness of consumer rights & ignorance + innocence of indian buyers/consumers.

I can be illiterate & uneducated as fack but what I have said are facts which remain true regardless.

@Abhishek012 if you gonna reply to this please use normal font and English, so we all can read.