https://www.desidime.com/discussions/paytm-for-bussiness-deducted-482-61-rs-need-suggestion?page=1#post_9320043
Is accepting postpaid is chargeable ?
In my account it is showing free.
Paytm for Business deducted Rs.482.61 | Need suggestion
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On 2nd June , i transferred 300*2 from my own and my freind account for freecharge offer of 5% upto 15 (unfortunately not got cashback despite offer banner) to mine Paytm for business merchant account
Total transferred 300*2 via freecharge upi,
Waiting for settlement but only 117 rs recieved, strange to me, i sent 10 rs again to check what's the issue it got settled in full i.e 10 rs . (See screenshot).
On complained about this ,
Got reply today
"Dear Merchant, Warm greetings from Paytm! We regret the inconvenience caused to you. We would like to let you know that due to some technical issue, the MDR charges on the postpaid transactions were not debited in the past and the complete transaction value was settled in your settlement account. Hence, the pending MDR charges are collected now. Once the complete dues have been. collected there will be no further deduction across it. Kindly be informed that in the future, the MDR charges will be applicable on the payments accepted through Paytm Postpaid which are lesser than the charges applicable on other credit pay modes. Total amount due: 483 - Total amount adjusted: 482.61 Total dues pending: 0.39 Please be rest assured that no wrong deduction has happened, and we request you continue accepting payments. Regards, Paytm Business Helpdesk"
I remember i got message that fron 22 Feb 1.99% MDR will be deducted instantly before settlement.
In March to check they are charging or not i sent some some amount from postpaid to merchant account but nothing deducted. so i tried again after some days and sent from postpaid to bank but little high amount.
Again transferred in may with 8600time and this time 1.99% deducted instantly+18% gst extra .
Therefor i decided to stop accepting postpaid.
And now they suddenly deducted 483 rs unexpectedly in june.
I don't want to pay them this amount as it was their technical fault i may have not done the transaction with postpaid if amount have been deducted instantly as per the communication and tnc.
One more thing is i calculated all transactions and that charges sums to 394.5 rs , not what they have deducted .
I am seeking your advice/reply and ethical way to get my money back
Thanks 
Edit:
I wrote this mail to them @ 4 june 11pm.
Subjec Deduction of Unexpected Amount from Paytm Merchant Account
Dear Paytm Business Helpdesk,
I hope this email finds you well. I am writing in response to the recent communication I received regarding the deduction of Rs. 483 from my Paytm merchant account. While I appreciate your prompt reply, I would like to express my concern and seek further clarification on the matter.
Firstly, I would like to reiterate that as per the communication I received from Paytm earlier, it was stated that a 1.99% MDR charge would be deducted instantly before settlement starting from 22nd February. In March, when I initiated some transactions from postpaid to my merchant account, no deduction was made, which led me to believe that the charges were not applicable at that time. Consequently, I conducted another transaction in may from postpaid to my bank account, where a MDR amount was deducted, along with an additional 18% GST.
Based on these previous experiences, I made the decision to discontinue accepting postpaid transactions, assuming that no further deductions would be made. However, I was taken by surprise when an amount of Rs. 483 was deducted from my settlement in 2 June. This deduction was unexpected and not in line with the previous communication and my understanding of the charges.
I would like to get this charge waived off as it was unexpectedly deducted on 2 june due to technical issue from your side instead at the time of settlement.
Upon reviewing the deductions made, I calculated that the total charges for the transactions should amount to Rs. 394.5, which is significantly lower than the deducted amount of Rs. 483. I kindly request a detailed breakdown of the deduction and how the figure of Rs. 483 was arrived at. I believe there may be a discrepancy or misunderstanding that needs clarification.
I want to emphasize that my intention is not to avoid paying the charges, but rather to ensure that the deductions are made in accordance with the communicated terms and conditions. I trust that Paytm values its merchants and strives to maintain transparency and fairness in all financial transactions.
I kindly request a fair resolution to this matter and would appreciate your prompt attention in rectifying the situation. If necessary, I am open to further discussion or providing any additional information that may assist in resolving this issue.
Thank you for your understanding and cooperation. I look forward to your response.
Sincerely
Expired
Disclaimer
We are not SEBI/IRDA registered. The information provided herein is for education purposes only. We will not be responsible for any of your profit/loss with this channel's suggestions. Consult your financial advisor before making any decisions.
https://www.desidime.com/discussions/paytm-for-bussiness-deducted-482-61-rs-need-suggestion?page=1#post_9320054
accepting postpaid is 2% charge + GST, 2 way, for buyers and seller.
https://www.desidime.com/discussions/paytm-for-bussiness-deducted-482-61-rs-need-suggestion?page=1#post_9320081
Seen 3-4 cases now. Looks like paytm is charging mdr for postpaid transactions based on usage by merchants. I have disabled it .
https://www.desidime.com/discussions/paytm-for-bussiness-deducted-482-61-rs-need-suggestion?page=1#post_9320116
Seems like they are deducting MDR for using post paid.
I have traded GV with @DealBahar last month and used my paytm postpaid to his merchant account. He complained about recieving 2% less amount.
https://www.desidime.com/discussions/paytm-for-bussiness-deducted-482-61-rs-need-suggestion?page=1#post_9320118
1) Get the clarification from Paytm
2) check old pending dues or voice box(if available) -- might have adjusted.
https://www.desidime.com/discussions/paytm-for-bussiness-deducted-482-61-rs-need-suggestion?page=1#post_9320218
2% + gst on both side,
+ voice box charges (replaced by normal 10w bluetooth speaker)
https://www.desidime.com/discussions/paytm-for-bussiness-deducted-482-61-rs-need-suggestion?page=1#post_9320219
I have done some credit card to bank for free few months ago (+ got cashback on card 5% on SBI CB) I guess if I accept payment on my merchant account it will deduct those charges now) 
https://www.desidime.com/discussions/paytm-for-bussiness-deducted-482-61-rs-need-suggestion?page=1#post_9320230
https://www.desidime.com/discussions/paytm-for-bussiness-deducted-482-61-rs-need-suggestion?page=1#post_9320234
Although showing 0 charges for my merchant account still disabled paytm postpaid to be on safer side
https://www.desidime.com/discussions/paytm-for-bussiness-deducted-482-61-rs-need-suggestion?page=1#post_9320236
dlhntr wrote:1) Get the clarification from Paytm
2) check old pending dues or voice box(if available) -- might have adjusted.
1) they said earlier due to technical glich could full amount was settled which they deducted today
2) it doesn't contain voice box charge
https://www.desidime.com/discussions/paytm-for-bussiness-deducted-482-61-rs-need-suggestion?page=1#post_9320245
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shinningstarhere wrote:I have also disabled it now after loosing 483 today(unexpected) and 210 rs expectedly total lost 693
@Bk100 yes it's chargable, see screenshot,
So it differs from merchant to merchant then. It is free in my account. But still I disabled it now. Don't want to take risk.
https://www.desidime.com/discussions/paytm-for-bussiness-deducted-482-61-rs-need-suggestion?page=1#post_9320250
, It was also showing free to me in app earlier but now this deduction .. 
https://www.desidime.com/discussions/paytm-for-bussiness-deducted-482-61-rs-need-suggestion?page=1#post_9320322
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shinningstarhere wrote:
, It was also showing free to me in app earlier but now this deduction ..
Then it's cheating.
https://www.desidime.com/discussions/paytm-for-bussiness-deducted-482-61-rs-need-suggestion?page=1#post_9320335
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Bk100 wrote:Then it's cheating.
Yes in app it was showing free but have gotten sms that 2% will be deducted from 22 Feb in February, if they have deducted that during settlement it's fine. But deducting after 3 months is cheating,
If they count like this one day they will say you earned cashback from bugs and we are freezing cash in your bank account for this
https://www.desidime.com/discussions/paytm-for-bussiness-deducted-482-61-rs-need-suggestion?page=1#post_9320378
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@Bk100
shinningstarhere wrote:They can if their T&C support this & which you agreed to.Yes in app it was showing free but have gotten sms that 2% will be deducted from 22 Feb in February, if they have deducted that during settlement it's fine. But deducting after 3 months is cheating,
If they count like this one day they will say you earned cashback from bugs and we are freezing cash in your bank account for this
@Bk100
https://www.desidime.com/discussions/paytm-for-bussiness-deducted-482-61-rs-need-suggestion?page=1#post_9320446
Disabled postpaid in both my accs. Let's teach them a lesson by not accepting txns through postpaid 
https://www.desidime.com/discussions/paytm-for-bussiness-deducted-482-61-rs-need-suggestion?page=1#post_9321088
This is why I was deactivated paytm merchant account.
But for freecharge offer, activated again.
No charge applicable for upi payments.
https://www.desidime.com/discussions/paytm-for-bussiness-deducted-482-61-rs-need-suggestion?page=1#post_9321097
Bk100 wrote:Is accepting postpaid is chargeable ?
In my account it is showing free.
It's account specific.
For some people it's free and for some it's chargeable.
https://www.desidime.com/discussions/paytm-for-bussiness-deducted-482-61-rs-need-suggestion?page=1#post_9321234
neel648 wrote:I have done some credit card to bank for free few months ago (+ got cashback on card 5% on SBI CB) I guess if I accept payment on my merchant account it will deduct those charges now)
https://www.desidime.com/discussions/paytm-for-bussiness-deducted-482-61-rs-need-suggestion?page=1#post_9326338
Bk100 wrote:Is accepting postpaid is chargeable ?
In my account it is showing free.
It's account specific...for me it used to be 1.99% and afterwards they've changed it to free
https://www.desidime.com/discussions/paytm-for-bussiness-deducted-482-61-rs-need-suggestion?page=1#post_9326863
https://www.desidime.com/discussions/paytm-for-bussiness-deducted-482-61-rs-need-suggestion?page=1#post_9326955
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shinningstarhere wrote:Maybe a year...I don't remember exactly
After what duration?
https://www.desidime.com/discussions/paytm-for-bussiness-deducted-482-61-rs-need-suggestion?page=1#post_9329536
Got deducted 2600 rs and they won't even show the log how charges were deducted
https://www.desidime.com/discussions/paytm-for-bussiness-deducted-482-61-rs-need-suggestion?page=1#post_9330458
skgupta6386192 wrote:Sad, Same , not have even replied to my complaintGot deducted 2600 rs and they won't even show the log how charges were deducted
https://www.desidime.com/discussions/paytm-for-bussiness-deducted-482-61-rs-need-suggestion?page=1#post_9351571
Edit : they copy pasting the same reply to my complaints , and closing the ticket 
, i am fed up.
I have calculated and analysed all transactions carefully and they have still charged around 200 rs extra even then .
https://www.desidime.com/discussions/paytm-for-bussiness-deducted-482-61-rs-need-suggestion?page=1#post_9353974
Don't use PAYTM POTPAID, They are collecting more charges and if we ask they are saying simply MDR pending Charges and if you ask
show me the pending bills/charges proofs they are silent... i don't want my CIBIL Score damage i'm going to pay after this payment i will un-install and won't use in futre.
https://www.desidime.com/discussions/paytm-for-bussiness-deducted-482-61-rs-need-suggestion?page=1#post_9354273
srinu.dundra908 wrote:Same i didDon't use PAYTM POTPAID, They are collecting more charges and if we ask they are saying simply MDR pending Charges and if you ask
show me the pending bills/charges proofs they are silent... i don't want my CIBIL Score damage i'm going to pay after this payment i will un-install and won't use in futre.
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