UPI limit is now 5 lakhs per day for big merchant payments

[gauravraj]

Same here…i say i brought the wallet but dont have money in wallet see this and dont have upi, i only have cc…🤣🤣🤣

Same here too , I bought a expensive looking slim leather wallet from cc reward money (hehe)

Cc arranged in order , ye nahi lega tab ye Dena hai 🤣

 

[deep@vie]

yesterday, i went to a local store/mart, did minimal shopping total came out to be 94/-. The cashier had the pos machine infront of him (which is also how they accept upi, basically all digital payments go through that machine), and i asked if i can use the tap option (i can see the tap wave symbol on the pinelabs machine), he happily said yes and held out the pos for me to tap. Instant, no otp, no pin, no need to take my phone out of the pocket unlock it and open some app wait for it to load etc, it was a great feeling. i decided to use the tap whenever i can.

only times i used my card previously is to withdraw some cash, and in airport lounges where they always try to swipe the darn thing and ask me to enter the pin. so didn't have great experience.

This merchant is was too much considerate in my opinion.
These people literally start crying when you ask for POS,some even ask for 2% charges.

 

[deep@vie]

Same here…i say i brought the wallet but dont have money in wallet see this and dont have upi, i only have cc…🤣🤣🤣

One literally have to say this to make him bring out the brahmastra POS

 

[deep@vie]

I don't think so I use rupay mostly through scan and if I don't like to scan I will just give the card and it is always successful. Out of 100 transaction I have seen 3 failures. However merchant upi sometimes don't go through and it debits. Specially phonepay has more failures sometimes it does not detect rupay card not sure why. If there is failure contact the upi merchant and raise a dispute and the refund will come to u. Once it debited my account but hotel guys said not received then I made another one it went through. I then asked who manages this funds and I asked him to check his statement for said date at first he was reluctant I said if u don't then I will have to raise hardly it takes two mi uses to check then he checked there were two payments I showed mine which was debited and he finally refunded it saying paytm will refund it u have raised dispute. Sometimes these merchants do this trick if they don't hear the payment advise on their speaker box they think it has not come at all. Be alert with merchants they try every trick I books for double payment.

Yes some people don't have any shame in lying through their teeth.

 

[ADITYA1904]

One literally have to say this to make him bring out the brahmastra POS

Bhai woh (pos) hota sabhi ke pas but dikhate nahi he…3 idiots 🤣🤣🤣

 

[deep@vie]

Bhai woh (pos) hota sabhi ke pas but dikhate nahi he…3 idiots 🤣🤣🤣

Aur hum usika istemaal krna chahte hain😂

 

[srikant]

Their Upi transaction decline rate is much higher

Haven't found it to be so -- I think I've had slightly more declines with BoB Easy and HDFC MoneyBack.

 

[deep@vie]

Haven't found it to be so -- I think I've had slightly more declines with BoB Easy and HDFC MoneyBack.

Don't have these these 2.
What has been decline rate for you while using icici?

 

[ankit_tf]

But these big merchants do have POS installed then why would one go for UPI where a swipe can get one better rewards.

Many merchants, specially of large appliances and vehicle dealers often charge 2% on card payment.

 

[quino]

This merchant is was too much considerate in my opinion.
These people literally start crying when you ask for POS,some even ask for 2% charges.

i previously tried to purchase a 20/- namkeen in an airport using card, they denied.

agreed, i was actually surprised the merchant accepted card for such low amount, and with that confidence I went to another store in the same shopping complex, purchased 130/- by tap, and funnily, went back to the first store as i forgot something and paid 122 by tap 🙂

yes, i saw some places which do this. for ex. a computer repair shop in my hometown where i had to go for repairing my company laptop. they had a qr code, pos machine & account details (for imps/neft/rtgs). only card gets the extra charge (2-3%) & i saw ppl paying the extra charge too.

another funny thing, recently went to a reputed gold brand store. purchased an item of <50k, i said upi as payment method, they were literally begging me to pay through card. i even denied having card, still they were saying don't pay through upi, it might go into processing state, etc.

 

[ankit_tf]

Don't have these these 2.
What has been decline rate for you while using icici?

Lowest failure I have seen is on sbi upi (don't remember if it ever failed). Icici used to fail a lot, at least until few months back.

 

[deep@vie]

Many merchants, specially of large appliances and vehicle dealers often charge 2% on card payment.

They'll start charging on these transactions as well above 2k.

 

[yolofino]

My BoB Rupay JCB credit card always gets declined on Paytm POS machines. Then I remember the ultra confidence of @Abhishek012 legend that Rupay JCB is on Rupay network in India 😆, bhai bata mein kya karu fir?

 

[srikant]

My BoB Rupay JCB credit card always gets declined on Paytm POS machines. Then I remember the ultra confidence of @Abhishek012 legend that Rupay JCB is on Rupay network in India 😆, bhai bata mein kya karu fir?

Kotak ka lelo. League's LTF, Urbane is 15K/year for LTF. It gives JCB, and has near-zero failure rate on UPI. Best part (at least for me) is reward points come in even for very small spends (< INR100) - which is almost all my UPI spends. For bigger spends I'll either get POS or use credit card directly (unless of course it's some weird merchant like IRCTC who may perhaps not put in MDR for UPI but put some for direct credit card).

 

[Abhishek012]

My BoB Rupay JCB credit card always gets declined on Paytm POS machines. Then I remember the ultra confidence of @Abhishek012 legend that Rupay JCB is on Rupay network in India 😆, bhai bata mein kya karu fir?

Paytm walo ko twitter karo, shop name and POS machine model number k sath. Koi software bug hoga but first make sure woh POS machine dusra credit card accept karta hai ya nahi. Kya pata credit card he disabled rakha ho.

 

[yolofino]

Paytm walo ko twitter karo, shop name and POS machine model number k sath. Koi software bug hoga but first make sure woh POS machine dusra credit card accept karta hai ya nahi. Kya pata credit card he disabled rakha ho.

Bhai aaj tak jitni baar paytm pos par BoB Rupay JCB cc use kia hai, utni baar decline hua hai. I'm talking about inserting the card or tap-and-pay, not UPI-rupay cc combo.

 

[ALOAK]

yesterday, i went to a local store/mart, did minimal shopping total came out to be 94/-. The cashier had the pos machine infront of him (which is also how they accept upi, basically all digital payments go through that machine), and i asked if i can use the tap option (i can see the tap wave symbol on the pinelabs machine), he happily said yes and held out the pos for me to tap. Instant, no otp, no pin, no need to take my phone out of the pocket unlock it and open some app wait for it to load etc, it was a great feeling. i decided to use the tap whenever i can.

only times i used my card previously is to withdraw some cash, and in airport lounges where they always try to swipe the darn thing and ask me to enter the pin. so didn't have great experience.

Mostly nowadays all pos have tap functions. When we go we just need to tell them tap the card. They will happily do it. I do all the time upto 5k.

 

[ALOAK]

i previously tried to purchase a 20/- namkeen in an airport using card, they denied.

agreed, i was actually surprised the merchant accepted card for such low amount, and with that confidence I went to another store in the same shopping complex, purchased 130/- by tap, and funnily, went back to the first store as i forgot something and paid 122 by tap 🙂

yes, i saw some places which do this. for ex. a computer repair shop in my hometown where i had to go for repairing my company laptop. they had a qr code, pos machine & account details (for imps/neft/rtgs). only card gets the extra charge (2-3%) & i saw ppl paying the extra charge too.

another funny thing, recently went to a reputed gold brand store. purchased an item of <50k, i said upi as payment method, they were literally begging me to pay through card. i even denied having card, still they were saying don't pay through upi, it might go into processing state, etc.

All this is merchant tricks to take the mdr fee infact they chg 1 percent extra over mdr. I have seen this when they say chg I say if u take I will dispute the extra chg u take then they take as his bill. Nowadays they have become better magicians they add the mdr fee to product price and they don't even utter extra chg if u use card. Think. No wonder if u present card straight they will swipe product price.

 

[srikant]

Bhai aaj tak jitni baar paytm pos par BoB Rupay JCB cc use kia hai, utni baar decline hua hai. I'm talking about inserting the card or tap-and-pay, not UPI-rupay cc combo.

Please check if you have enabled POS and tap-to-pay on the card itself once.

 

[Abhishek012]

Bhai aaj tak jitni baar paytm pos par BoB Rupay JCB cc use kia hai, utni baar decline hua hai. I'm talking about inserting the card or tap-and-pay, not UPI-rupay cc combo.

Paytm ko contact karo, POS machine ka name and model number and shop name, location k sath twitter par.