upi - credit card transaction getting rejected.

[newbiyyyy]

hi,

I am very new to credit card world.

i wanted to pay my kids school fees using credit card.

they accept only bank transfer/upi

when using credit card on upi apps like amzn and gpay it says : not acceptable for this kind of transaction.


what are my options? or the credit card is not the way ??

any workarounds to move money from credit card to my account or any others persons account.

 

[chiefwhowahoo]

rupay credit card when used for UPI can only be used on merchant registered UPI IDs not personal UPI IDs

School fees payment via third party does not provide reward point, you can use credit card to complete the milestone via pos/ payment gateway if school have registered for one, that would probably be your best bet for receving reward points

 

[Amit_1]

I paid school fees of 85k through kiwi upi, although I haven’t received any rewards but yeah paid the amount via cc upi

 

[Shaktimaan V2.0]

I think the payment method not accepted by the school. Nowadays in lot of places UPI credit card not accepted by the merchants showing - the merchant not accepting this method like that but normal UPI will work.

So you can add money to wallet using the credit card and then pay using the wallet. But there will be a convenient fee for this (min 2.36%).

As of now you can use this method to add 4K without charges https://www.technofino.in/community...redit-card-to-bank-transfer-april-2025.40051/

And on MobiKwik directly or using the same above method you can add 1K.

 

[PANK]

I was using upi credit card on small grocery store from 2023
Suddenly he stopped accepting credit card upi transaction saying he has been charged 30 to 35 rupees in month and changes are added in end of the month
He is using phonepe QR code

Does npci removed 2k zero mdr limit
I uas paying 1.5k two times in a month
2k zero mdr is for a month or per day transaction

Kindly update me regarding this issue

 

[sunit123]

I was using upi credit card on small grocery store from 2023
Suddenly he stopped accepting credit card upi transaction saying he has been charged 30 to 35 rupees in month and changes are added in end of the month
He is using phonepe QR code

Does npci removed 2k zero mdr limit
I uas paying 1.5k two times in a month
2k zero mdr is for a month or per day transaction

Kindly update me regarding this issue

Not true....Few months back, there was rumour that MDR might be introduced for less than 2000...After that large no of merchants disabled rupay CC....Rupay CC will die its natural death in a year or so

 

[PANK]

S

Not true....Few months back, there was rumour that MDR might be introduced for less than 2000...After that large no of merchants disabled rupay CC....Rupay CC will die its natural death in a year or so

So what's current status mdr has been introduced to merchant below 2k in a day or in a month

 

[sunit123]

S

So what's current status mdr has been introduced to merchant below 2k in a day or in a month

No MDR less than 2k still majority disabled to be on safe side

 

[PANK]

No MDR less than 2k still majority disabled to be on safe side

2k no mdr
Will it apply if I do 1.5k 4 transaction in a month
Making it 6k in a month

 

[sunit123]

2k no mdr
Will it apply if I do 1.5k 4 transaction in a month
Making it 6k in a month

n o o

 

[PANK]

n o o

Reason
As single transaction is below 2k 1500 in a day

 

[sunit123]

Reason
As single transaction is below 2k 1500 in a day

transaction below 2k has NO MDR....If you do 10 transactions of Rs 1500 in a day, there is NO MDR...However, some payment gateway like paytm, razor pay etc charge some MDR on cumulative basis (As told by one of the merchant to me)

 

[PANK]

transaction below 2k has NO MDR....If you do 10 transactions of Rs 1500 in a day, there is NO MDR...However, some payment gateway like paytm, razor pay etc charge some MDR on cumulative basis (As told by one of the merchant to me)

So single 1500 transaction in a day is safe right