
Credit card bill payment: unable to trace payment
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I have paid the Axis bank credit card bill payment on 02 Nov through Paytm .
Paytm gave me confirmation that payment has been deposited to bank and provided me bank reference number.
But Axis Bank denying receiving any payment. They said they can't trace the fund using that bank reference number.
What to do. Please suggest
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Credit Card
Lodge your grievance at RBI OMBUDSMAN with all the proofs.



Manojvsm wrote:Paid late night? (11pm/12am). Cred payments are not always instant during this period, instead of IMPS they process bill payments via NEFT. Anyways payment should reflect in your cc statement very soon (with settlement date same as bill payment one or next day*)
Mine too .. paid via cred and get successfull but not reflected on axis . complaint on axis ... 7 days crossed...always work in progress
getready wrote:Paid on 5th nov... Statement also generated on 15th without considering my payment
Paid late night? (11pm/12am). Cred payments are not always instant during this period, instead of IMPS they process bill payments via NEFT. Anyways payment should reflect in your cc statement very soon (with settlement date same as bill payment one or next day*)

getready wrote:Complaint on axis .. but no proper response whats happened. . just registered complaint ..and says we are checking from past 5 working days
No hope for auto-settlement then, money got stuck somewhere (Max it took 7/8 days for payment reflection in my case and for others here). Need intervention from Cred or bank
Manojvsm wrote:What is the status on cred, Status about bank confirmation
Complaint on axis .. but no proper response whats happened. . just registered complaint ..and says we are checking from past 5 working days
U can check it from payment history Take screenshot as it must not be confirmed by bank yet
and write to cred along with cc statement and demand refund
insta wrote:Cred asking a email from axis... Payment is not received for the utr no.
What is the status on cred, Status about bank confirmation
U can check it from payment history Take screenshot as it must not be confirmed by bank yet
and write to cred along with cc statement and demand refund
MrKool_JJ wrote:What do you want to convey, bro? Do you want other banks & CC Issuers to replicate Axis?...
Why always Axis bank![]()

Whatever be, but it's a scary situation to read these grievances.
Sometimes, I feel like I should close all my CCs and return to the Pre-CC life, like @androgame lives.
UniqueDimer wrote:I pay directly from my bank to the credit card company via neft. I always get the credit message from credit company on same day itself. The problem is when u pay via third party payment site. Pay directly and live a peaceful life bro
What do you want to convey, bro? Do you want other banks & CC Issuers to replicate Axis?...
Whatever be, but it's a scary situation to read these grievances.
Sometimes, I feel like I should close all my CCs and return to the Pre-CC life, like @androgame lives.
I also registered a complaint in RBI and wrote to nodal officers of both Paytm and Axis bank.lets see. Final option is I have to file a legal case with lawyer.
After 3 week of struggle, Paytm nodal officers finally called me and asked my card number saying they will verify with backend. 2 dys back they told me that you hve entered wrong card number and payment credited towards different card and not your card.
I m asking Paytm to tell me which card they credited the payment but chor Paytm denying me sharing information citing privacy reasons.
This is completely fraud.
How can I trust Paytm that they are saying i have entered wrong card number if they are not providing me the details.
paytm asking me to contact bank but without card details what i suppose to tell axis bank.
I registered complaint in rbi and consumer forum against paytm.
Any other things i can do ?
whitewalker wrote:After 3 week of struggle, Paytm nodal officers finally called me and asked my card number saying they will verify with backend. 2 dys back they told me that you hve entered wrong card number and payment credited towards different card and not your card.
I m asking Paytm to tell me which card they credited the payment but chor Paytm denying me sharing information citing privacy reasons.
This is completely fraud.
How can I trust Paytm that they are saying i have entered wrong card number if they are not providing me the details.
paytm asking me to contact bank but without card details what i suppose to tell axis bank.
I registered complaint in rbi and consumer forum against paytm.
Any other things i can do ?
Through Paytm Wallet or UPI?
UniqueDimer wrote:Not upi. Through wallet and debit cardThrough Paytm Wallet or UPI?
whitewalker wrote:Twitter. 1 tweet for axis and 1 for PaytmAfter 3 week of struggle, Paytm nodal officers finally called me and asked my card number saying they will verify with backend. 2 dys back they told me that you hve entered wrong card number and payment credited towards different card and not your card.
I m asking Paytm to tell me which card they credited the payment but chor Paytm denying me sharing information citing privacy reasons.
This is completely fraud.
How can I trust Paytm that they are saying i have entered wrong card number if they are not providing me the details.
paytm asking me to contact bank but without card details what i suppose to tell axis bank.
I registered complaint in rbi and consumer forum against paytm.
Any other things i can do ?


myfungang829 wrote:Axis bank not allowed to pay cc bill of you don't have account.
That's why also pay to card company directly and prefer to pay via neft, cause once details are saved, there is no chance of payment to some other account.....

whitewalker wrote:I didn't understand......
Axis bank not allowed to pay cc bill of you don't have account.
UniqueDimer wrote:
What do you want to convey, bro? Do you want other banks & CC Issuers to replicate Axis?...
Whatever be, but it's a scary situation to read these grievances.
Sometimes, I feel like I should close all my CCs and return to the Pre-CC life, like @androgame lives.
@androgame lives CC free life ? Never knew that.Any specific reason buddy ?
whitewalker wrote:
Not upi. Through wallet and debit card
Your CC details are not saved on Paytm ? And debit card of Axis bank or some other bank ?
whitewalker wrote:
Axis bank not allowed to pay cc bill of you don't have account.
You don't require account in the same bank (Axis in your case ) to pay your CC via NEFT.
Gulag-Survivor wrote:Saved but now it's showy only last 4 digit. Rest is maskedYour CC details are not saved on Paytm ?
And debit card of Axis bank or some other bank ?
myfungang829 wrote:
I pay directly from my bank to the credit card company via neft. I always get the credit message from credit company on same day itself. The problem is when u pay via third party payment site. Pay directly and live a peaceful life bro
Athani chavani cashback ke chakkar me ye chizein hota hai.

In december, 2020 I made similar mistake of paying 50000/- to 8509 whereas correct number is 8059. Unfortunately with these both numbers cards are in existence (by initiating a transaction we can check it, if page goes upto otp means card is there with that number). Then I tweeted Axs support team, they asked so many documents viz., payment deduction reflecting (source bank) statement, transaction confirmation (mobikwik) statement, correct card statement & it's image. To initiate the process, they took lot of time but once its initiated it hardly a matter of 7 days to verify and transfer that credit from unintended to correct card. That one month was a sleepless to me. In this entire process, mobikwik didn't helped even a inch, entire help was done Axis bank only. Since then, I am taking utmost care.
I also registered a complaint in RBI and wrote to nodal officers of both Paytm and Axis bank.lets see. Final option is I have to file a legal case with lawyer.