Any way to pay via rupay cc if merchant v doesn't accept cc payment?

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Deal Newbie
skumar44

I am trying to pay to a merchant via UPI on CC, but getting error that merchant doesn't support CC payments. Only pure UPI is going through.

Anyway to use rupay cc to pay this transaction?

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Savings Mentor Savings Mentor
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While I am myself a big fan of RuPay CC on UPI, currently it is a failure in many ways. I really wish it would be successful but due to missteps by NPCI and a defective model that's not foolproof, it has failed to take off.

Biggest problem being - it's disabled randomly by merchants for no reason and QR code gives us no idea whether or not it is accepted. A grocery and essential foods, milk etc shop used to accept it. In the Paytm fiasco they switched to a PhonePe QR code and didn't turn on RuPay CC via UPI on it. They didn't do it on purpose as they accept it via Paytm. They just have no idea such a setting may exist for it to control it and they don't care, have no clue even if customers tell them.

It's a complete hit or miss. Can't never tell when and where it's going to be accepted and frankly I get irritated when it fails and then we have to try again via bank account. My parents don't even have the patience to try it, they directly choose bank account to pay with. NPCI needs to come up with a better way to make it work. Currently it's a dismal failure.

Savings Mentor Savings Mentor
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While I am myself a big fan of RuPay CC on UPI, currently it is a failure in many ways. I really wish it would be successful but due to missteps by NPCI and a defective model that's not foolproof, it has failed to take off.

Biggest problem being - it's disabled randomly by merchants for no reason and QR code gives us no idea whether or not it is accepted. A grocery and essential foods, milk etc shop used to accept it. In the Paytm fiasco they switched to a PhonePe QR code and didn't turn on RuPay CC via UPI on it. They didn't do it on purpose as they accept it via Paytm. They just have no idea such a setting may exist for it to control it and they don't care, have no clue even if customers tell them.

It's a complete hit or miss. Can't never tell when and where it's going to be accepted and frankly I get irritated when it fails and then we have to try again via bank account. My parents don't even have the patience to try it, they directly choose bank account to pay with. NPCI needs to come up with a better way to make it work. Currently it's a dismal failure.

Finance Mentor Finance Mentor
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1.Mdr is free up to rs 2000 if merchant turnover is less than 20 lakh. 

2.If merchant turnover is more than 20 lakh then mdr applies on transaction of less than 2000 also. 

3.There is no option in payment qrs accept only less than 2000 payments. 

IMG20240608091335

IMG20240608091224

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Generous Generous
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Your answer lies in your question joy joy

Vanguard Vanguard
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I don't even get one thing..small merchants whose order value will never be more than 2000, even they close rupay CC option joy Why?? What's the point??

Deal Captain Deal Captain
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Many are unaware this kind of payment exists.
I think a solution would be, opt out method as default for <2k payment while setting the box/QR
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Savings Mentor Savings Mentor
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While I am myself a big fan of RuPay CC on UPI, currently it is a failure in many ways. I really wish it would be successful but due to missteps by NPCI and a defective model that's not foolproof, it has failed to take off.

Biggest problem being - it's disabled randomly by merchants for no reason and QR code gives us no idea whether or not it is accepted. A grocery and essential foods, milk etc shop used to accept it. In the Paytm fiasco they switched to a PhonePe QR code and didn't turn on RuPay CC via UPI on it. They didn't do it on purpose as they accept it via Paytm. They just have no idea such a setting may exist for it to control it and they don't care, have no clue even if customers tell them.

It's a complete hit or miss. Can't never tell when and where it's going to be accepted and frankly I get irritated when it fails and then we have to try again via bank account. My parents don't even have the patience to try it, they directly choose bank account to pay with. NPCI needs to come up with a better way to make it work. Currently it's a dismal failure.

Finance Mentor Finance Mentor
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1.Mdr is free up to rs 2000 if merchant turnover is less than 20 lakh. 

2.If merchant turnover is more than 20 lakh then mdr applies on transaction of less than 2000 also. 

3.There is no option in payment qrs accept only less than 2000 payments. 

IMG20240608091335

IMG20240608091224

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Post Emperor Post Emperor
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Merchant account shouldn't have disable option.

Beacon Beacon
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They should though.

It is the merchants right to choose whether or not to opt for cc as they have to pay for cc transactions (above 2k).

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Savings Mentor Savings Mentor
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@Bk100 that is good information but as a consumer, why would I even care about these things. NPCI needs to get this right.

If a merchant's turnover is less than 20L, they could generate a QR code where only payments less than 2K are accepted but not provide any option to the merchant to disable it. Since he's not going to be charged MDR anyway.

Now if a merchant's turnover is more than 20L, only then they could give the merchant the option to disable it but then upon scanning that QR code, RuPay CCs should not even show up in the list. Instead sometimes they do and then txn fails only for the consumer to later find out it's "supported but disabled by merchant" so he has to scan again and pay with bank account.

What a horrible user experience and time waste.

If merchant turnover is >20L, they can just get a BharatQR and we'll be able to pay with Visa/Mastercard credit cards also and no such issues of merchant having turned off payments via CC. BharatQR will accept payments from any card - debit or credit and any network - Visa, MC, RuPay. Yes, MDR will be taken but to a large merchant with +20L, it makes little difference. Banks even negotiate MDR on large merchants to lower than their usual rate since large merchants see huge volume of payments.

NPCI need to sort this out.

Finance Mentor Finance Mentor
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As a small merchant I don't want to accept cc payments at all due to it's hera kiri like charge backs and other problem be it on upi / swipe machine. 

Mostly we accept dc payments and upi. Most of the time small merchants charge extra 1% for  cc payments. Cc payments are headache for small merchants. 

Customers sirf apne baare main sochte hai - merchants ke baare main nahin. Don't you pay extra for govt utilities / education institutions while making payments via cc? Why blame small merchants if they dislike cc.? 😂

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Deal Newbie Deal Newbie
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Add money in slice trough paytm UPI and and through rupay CC and use Slice UPI on merchants.

Post Emperor Post Emperor
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Does it need full kyc?

replyuser
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