Which Debit Card to use for Credit Card Bill Payment in July 2025

[amazon_fan]

Any alternative for zavo found?

any suggestion to use zavo cash (not coins). I am not able to use.
I tried for electricity and fastag, for both zavo cash is not appearing.
after 90 days, zavo is showing me some Rs 170 as redeemable, but not able to use.

If there is no way, then i want to uninstall zavo.

 

[SmartyAadi]

I am getting justpay gateway everytime and PHONEPE PRIVATE LIMITED merchant which is not eligible.

Rupay try kar rahe hai kya?

Rupay se muze bhi har baar wahi aya, but if I pay via Visa, I get the PhonePe one.

 

[amazon_fan]

Date of txn : 15th Aug 2025 (Around 2am with interval of 20 minutes)
Amount approx : 7.9k, 8k, 43.5k, 49k, 41k (without convenience)
App : phone pe
DC : I D F C Visa DC
OTP merchant : phonepe
Rewards : Yes for all instant
Payment gateway : U (green animation)

954xxx is the OTP for your transaction with phonepe for INR 43771.06 using IDFC FIRST Bank debit card ending xxxx. Validity: 5 minutes. Please do not share. To raise a dispute, call 1800 10 888.

Note : yesterday afternoon i was not at all getting this merchant

is it correct, VISA DC without convenience charges ??

 

[SmartyAadi]

is it correct, VISA DC without convenience charges ??

They probably meant that the amounts they are sharing are exclusive of fees

 

[amazon_fan]

Can we choose the payment gateway by any chance?

Those who are getting / not getting could you please tell me
1) if with mobile data , Your network provider ? airtel /bsnl
2) Connected to Wifi ? if so which provider - any VPN / Office wifi ?
3) Your phone pe app version
4) Android / iphone ?
5) in phonepe, which is your default paymet partner set ? ( like .ybl / .ibl / .axl )

Then could narrow down the possibilities.
Else for large payments paying convivence charges without RP would be frustrating.

 

[newmakerhere]

Rupay try kar rahe hai kya?

Rupay se muze bhi har baar wahi aya, but if I pay via Visa, I get the PhonePe one.

Nahi visa try Kiya hai

 

[H4CK_H0PP3R]

is it correct, VISA DC without convenience charges ??

I paid 0.6% convenience extra bro..900 give up karna pada rps ke liye ..😢

 

[H4CK_H0PP3R]

Those who are getting / not getting could you please tell me
1) if with mobile data , Your network provider ? airtel /bsnl
2) Connected to Wifi ? if so which provider - any VPN / Office wifi ?
3) Your phone pe app version
4) Android / iphone ?
5) in phonepe, which is your default paymet partner set ? ( like .ybl / .ibl / .axl )

Then could narrow down the possibilities.
Else for large payments paying convivence charges without RP would be frustrating.

I tried with mobile data (VI) without WiFi this time..cleared cache of app ..Android app ..latest version of phonepe..

My suggestion would be whenever you see if anyone got correct merchant in latest comments then try that time & look for correct merchant & U gateway which is much much important step to confirm. Try small amount below 8k then only proceed for larger amount. I was also not getting correct merchant yesterday. It's hit & miss now. Mine due date was today. I was patiently following this thread comments every 15 minutes & came to conclusion from last few pages comments on what to look/skip & then only took a chance. It worked & then cleared my all 1.5L finally on last date 😊

 

[Loki_Fino]

I tried with mobile data (VI) without WiFi this time..cleared cache of app ..Android app ..latest version of phonepe..

My suggestion would be whenever you see if anyone got correct merchant in latest comments then try that time & look for correct merchant & U gateway which is much much important step to confirm. Try small amount below 8k then only proceed for larger amount. I was also not getting correct merchant yesterday. It's hit & miss now. Mine due date was today. I was patiently following this thread comments every 15 minutes & came to conclusion from last few pages comments on what to look/skip & then only took a chance. It worked & then cleared my all 1.5L finally on last date 😊

I pay bill next day of bill generation to avoid last minute issue never miss rewards by this we have plenty of time even if transaction failed refund & repaid such things can be covered. Plan well in advance don't take chances for last day & don't miss rewards. You align strategically.

 

[msureshuh]

Redeem to bank by UPI. I redeemed couple of times.

any suggestion to use zavo cash (not coins). I am not able to use.
I tried for electricity and fastag, for both zavo cash is not appearing.
after 90 days, zavo is showing me some Rs 170 as redeemable, but not able to use.

If there is no way, then i want to uninstall zavo.

 

[NikhilG]

If you don't have very big cc bills. Why not breaking in parts and keep every txn below 2k for 0.3 percent ?

 

[saber.mbt]

Currently phonepe pv merchant gateway is active tried 10 mins ago.

 

[muzan_21]

anyone doing via idfc MasterCard in phonepe?

 

[saber.mbt]

anyone doing via idfc MasterCard in phonepe?

So far no one has reported. Majority VISA..

 

[HatakeKakashi]

My transaction on www phonepe com failed. Anyone else facing the same issue?

 

[Amit_1]

Bhai muje b parso mila tha

aaj nahi mila!

seems like they are following/monitoring TF posts very actively

 

[Kartik]

Yeah looks like bank is monitoring this thread. Everything posted here ends very soon. Let's refrain from adding more tricks here for banks to find out

 

[SmartyAadi]

My transaction on www phonepe com failed. Anyone else facing the same issue?

Rupay or visa dc?

 

[HatakeKakashi]

Rupay or visa dc?

Visa. Tried again but failed now

 

[saber.mbt]

Visa. Tried again but failed now

Yeah 2 hrs ago failed for me too...