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Payment to HDFC Card via Paytm NOT reflecting in statement.

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Deal Subedar
beingsr

Summary of Issue

Paid Rs. 5,000/- on 28th Jan 2022 [Friday] via HDFC Debit Card from PayTM [for the first time]. Same is not reflecting in my HDFC CC. Tried paying Rs. 10/- [2nd transaction] via paytm wallet to the SAVED CC yesterday same is also not reflecting. However, when I paid again [3rd transaction] Rs 10/ via payTM by carefully entering the credit card no.  it was reflecting on same day i.e. on 1st Feb 2022.

First 6 digits & last 4 digits of CC are SAME for all 3 transactions. Is there any chance that I may have entered wrong CC no. when I made the payment of Rs. 5,000/- [Don’t remember now as It was done last week]

All 3 transactions are showing as Successful from PayTM side.

Steps taken by me

1) Raised complaint with HDFC CC with payment reference no. & the Customer executive said for the said reference no. ZERO payment is showing. He provided me a complaint no. which will be resolved in 7 working days.

2) Raised issue with PayTM & they said they will reply by end of 3rd Feb 2022.Also received automated message that it may take upto 2-3 days for amount to reflect in account statement.

3) Tried entering random no. for remaining no’s of CC but each time it’s showing that Please enter valid CC details. 

Please suggest what more can be done from my side. All suggestions are welcome.

Thanks

P.S. In future will never use PayTM for CC Payment

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47 Comments  |  
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Finance Ninja Finance Ninja
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Pleas update me on the developments

Deal Subedar Deal Subedar
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Okay…

Finance Ninja Finance Ninja
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Credit card numbers are checked by the luhn algorithm , there can be multiple cards with the same first 6 and last 4 digits as your card.
You can try generating a cc from here:
https://namso-ge...m/
Try entering this in paytm , it should take it as a valid cc number.

Critic Critic
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There’s an extremely low chance of him for this, coz he entered the first 6 and last 4 digits correctly; now considering other remaining 6 digits, maximum he might have made 1/2 digit typo, in which case the card number as a whole becoming another valid card, is very very low; the last digit of the card acts like a hash as you mentioned and this further reduces the probability; Just a technical analysis…

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Deal Subedar Deal Subedar
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First of all thanks for your comments. @Tanmayyy & @BlueFlash

From yesterday I have tried many permutation & combination for remaining 6 digits each time I am getting same error “Please enter valid card details”. I highly doubt that “I have entered wrong cc details”

Also. please let me know whether I can file chargeback in case payment is not credited to CC. [Will wait for reply’s from both sides.]

P.S.  I will keep trying other no’s just to clear my doubt.

Helpful Helpful
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If the entered card number is not existing, the paytm is supposed to refund the paid amount back to source on it’s own.

Deal Subedar Deal Subedar
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Thanks for your comment.

I had the doubt that I may have entered wrong credit no. BUT now after trying various permutation & combination I am 99% sure that I have entered correct details.
Plus PayTM doesn’t allow to make payment unless correct credit card number is entered.

I will UPDATE all once they reply to my complaint.

Helpful Helpful
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can you try to initiate any transaction using that saved card? I generally do it in mobikwik to cross check. if the otp generates to my mobile number means I paid the bill amount to the correct card otherwise not.

Deal Subedar Deal Subedar
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Generally I don’t save my card details anywhere except on 2 websites which I use frequently. The SAVED CC card is not showing on payment page as I have not saved it on PayTM. 

It’s showing as SAVED CC under PayTM CC payment page only.

P.S.  Also, By 0.01% chance if I have paid to wrong CC then PayTM CC option should show 2 different CC as SAVED however only 1 card is showing there.

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Deal Captain Deal Captain
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I paid around 60k HDFC credit card bill through Paytm, yesterday and day before. Everything credited to account, except the last 10K which i did yesterday night, iam waiting for it to be credited.

Deal Subedar Deal Subedar
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One point raised by HDFC Customer care executive was that I have done my transaction on Friday & sometimes transactions take 2-3 business days plus due to month end (closing) may be transaction was not updated either by them (HDFC) or PayTM.

Waiting for official reply for my complaint. 🤞

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Blaze Blaze
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Suppose if you are thinking first entered cc numbers (which you told payment not reflected for 1st and 2nd txn) are wrong, then you must have two different  saved cc details in paytm.

Check this first

Deal Subedar Deal Subedar
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Thanks for pointing out this bro…

Only 1 CC is showing on PayTM CC page.

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Finance Mentor Finance Mentor
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Just want to add a note. 

Generally have been paying HDFC cc from PayTM too. It does happen almost instant within a hour at most. SMS of payment credit comes from HDFC (not paytm). Also I always use PayTM wallet for the payment, as there’s no extra charge. Lastly I confirm from the credit limit increase in HDFC netbanking.. which happens the fastest (even before unbilled txn).

Deal Subedar Deal Subedar
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Noted…

Before this payment all of my CC payment are credited in the statement instantly OR by end of the day. Since this transaction got stucked/not credited that’s why I thought to create a post on DD for help & suggestions.

Deal Lieutenant Deal Lieutenant
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If your card was saved and unable to see full card number 

Try one thing just add 10rs in your Paytm wallet if the transaction successful that means card number was correct. 

Deal Subedar Deal Subedar
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Card is not saved on PayTM.

It’s only saved under CC Payment option plus I am seeing only 1 CC as SAVED under PayTM CC options hence possibility of wrong CC is negligible I think.

Benevolent Benevolent
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@beingsr
op mail here [email protected] they will send to concerned person

Deal Subedar Deal Subedar
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Have raised request under HELP section of PayTM will send the mail also once they reply [by end of day 3rd Feb]

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Deal Subedar Deal Subedar
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Just saw this under Unbilled transaction earlier I think it was 2-3 days BUT now changed to 2-5 days.

https://cdn0.desidime.com/attachments/photos/739357/medium/image.png?1643802941

Blogger Blogger
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Bro, Nothing to Worry.

Upon reading the above details in thread, ur 1st two payments are taking time to getting settled.


By the way what is the due date?? Still have time ??

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Deal Subedar Deal Subedar
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UPDATE 

FIRST of all I would like to THANKS everyone who commented on the discussion & provided their valuable suggestion & feedback.

Order Status for Rs. 5,000/- transaction under PayTM app is showing as "HDFC Bank has declined your order. We have initiated a REFUND for your payment"

Since the transaction was made by HDFC DC so the refund will reflect in my account in 2-3 business days.

Crusader Crusader
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Happy that you got a solution bro.

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Helpful Helpful
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All apps should have this option to pay 2 rs to verify card first. We pay bills in lacs sometimes so it can be really risky if a digit misplaces.

Helpful Helpful
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yes, I too feel the same, just like Cheq app
Deal Newbie Deal Newbie
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Can anyone please help me with it?

I'm facing the same issue I paid the bill on 1 Feb and it's 8th Feb today it was not reflecting 

Deal Newbie Deal Newbie
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I have done two payments also through the saved bill payment option . They have not been credited yet. What should I do now

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