BOB Rupay CC UPI declines irctc upi payment.

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Deal Newbie
UserOne1

When I try to pay irctc booking thru upi using GPAY/PAYTM upi of BOB Rupay cc it always fails to make payment.

Also for some shops it allows payment and for some shops it doesn't. When I did background check both saying Current account to receive payments.

Anyone facing similar issue with other bank Rupay credit cards? Any solution?

Reply from BOB

we have verified with the technical team above the issues that as per the error screenshot provided by you for (02 NOV screenshot error) we got response as- TRANSACTION NOT PERMITTED FOR THIS A/C TYPE (OD) "FOR SOME SHOPS" it means - this transactions which you are trying to use on this particular merchant on UPI is restricted as policy and for (28 OCT screenshot error) we got response as MERCHANT ERROR (PAYEE PSP)."FOR IRCTC"

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You can't pay to every merchant using Rupay CC. It has nothing to do with current account. There is some other logic. Merchant has to manually enable Rupay. Irctc has blocked those payments. 

Savings Mentor Savings Mentor
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IRCTC declines RuPay credit card on UPI. And refund comes late, have to fight for it. Happened the same with HDFC Neu Infinity

Deal Cadet Deal Cadet
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How did you get it? It's been 2 months, I haven't got it till now even though IRCTC claims & has sent mail of it being successfully refunded

I've initiated a dispute with HDFC
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