Hot Deal Unable to add money to Paytm Wallet through credit card

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While trying to add Money to Paytm wallet through credit card, getting error “Transaction Failed. Based on your usage pattern, your account is restricted to add money through credit card”. It is not a merchant account and I have not transferred money to bank account since almost an year or 2. Also, getting same error while buying Paytm gift voucher.

Any reason why this is happening? Any workaround?

18 Comments  |  
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Deal Cadet
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You can’t add real money to wallet directly from CC,
but you can pay directly to merchant like swiggy etc. from you CC.

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Deal Subedar
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you cant add money to wallet using CC

Try paying to someother person using CC it will work

Or do recharges etc using paytm post paid , then pay with CC it will work

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htzaz wrote:

You can’t add real money to wallet directly from CC,
but you can pay directly to merchant like swiggy etc. from you CC.

I was able to add money to Paytm wallet from CC till last month, but not now.

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Deal Cadet
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Just wait for one or more days, you’ll be able to add.
happens with me all the time.
I use Amex MRCC to load 1000 4 times, it gives me same error on 3rd trx.

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Bhalla_here wrote:

Just wait for one or more days, you’ll be able to add.
happens with me all the time.
I use Amex MRCC to load 1000 4 times, it gives me same error on 3rd trx.

Thanks. I’m getting this error on all CC load transactions. Tried never-used-on-paytm CC also, but same error. Will try after few days as you suggested.

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Deal Subedar
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I use icici cc daily to add money to my paytm wallet..never face any problem

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https://cdn0.desidime.com/attachments/photos/559165/original/20190401_185235.jpg?1554221381This is the error I’m getting.

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Deal Cadet
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It happens when your Paytm wallet balance has exceeded beyond what you have ever maintained earlier and when you have already used CC to add multiple times.

It allows loading again after a couple of days.

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Deal Subedar
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Try setting up auto reload using credit card.
It will work

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Pro Entertainer
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MTRIP wrote:

It happens when your Paytm wallet balance has exceeded beyond what you have ever maintained earlier and when you have already used CC to add multiple times.

It allows loading again after a couple of days.

Loaded Paytm with code LUCKY100 using credit card & I won 100 cashback sunglasses smile

Lottery !!

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Pro Blogger
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A2Zdeals wrote:

Loaded Paytm with code LUCKY100 using credit card & I won 100 cashback sunglasses smile

Lottery !!

Aaj jitni bhi lottery hai kharid lo.. grimacing blush

You are on fire bro.. sunglasses

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Deal Newbie
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Download older paytm apk file sunglasses sunglasses

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DealMonarch wrote:

Thanks. I’m getting this error on all CC load transactions. Tried never-used-on-paytm CC also, but same error. Will try after few days as you suggested.

Is that worked later for you.

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asen wrote:

Is that worked later for you.

Yes. It started working after a few days on its own.

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Deal Newbie
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2 days back I added money to Paytm wallet for the
first time using credit card and today when I tried paying at a merchant via Paytm wallet it shows error as “you can only pay via upi”. anyone has any idea about this??

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Arjs wrote:

2 days back I added money to Paytm wallet for the
first time using credit card and today when I tried paying at a merchant via Paytm wallet it shows error as “you can only pay via upi”. anyone has any idea about this??

Why do we need Paytm if we can only pay via UPI? It defeats the purpose of having a digital wallet.

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Arjs wrote:

2 days back I added money to Paytm wallet for the
first time using credit card and today when I tried paying at a merchant via Paytm wallet it shows error as “you can only pay via upi”. anyone has any idea about this??

Happens probably with self registered merchant only.. I can’t pay to my merchant account using non-upi method but works fine on nearby shop’s QR codes.

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