There is charge of mdr in rupay credit card used in upi if transaction is more than 2000. Also small merchant can accept it, I have done it. My mother has merchant qr. Transaction is less than 5k a month. I pay to that qr through credit card upi.
I was able to top-up UPI with my visa credit card but it was blocked all across. Be it Amazon pay, pauzapp, or any and make payment. Using credit card UPI top-up and paying on time the credit card bill my credit score reached 860. There is no benifit when cash get deducted from bank account directly. After government stopped cc-upi top-up I stopped using UPI. Where ever POS terminal available using credit. Govt sucks.
Credit card ho ya loan agar aap chukane me fail ho gaye to yeh log Lorde laga denge interest daal daal kar that's why isse credit card se nd loan ko maximum avoid kare ya low risk alternative search kare
The great is - I was able to top-up UPI with my visa credit card but it was blocked all across. Be it Amazon pay, pauzapp, or any and make payment. Using credit card UPI top-up and paying on time the credit card bill my credit score reached 860. There is no benifit when cash get deducted from bank account directly. After govt stopped cc-upi top-up I stopped using UPI. Where ever POS terminal available i use credit. Govt sucks.
I was able to top-up UPI with my visa credit card but it was blocked all across. Be it Amazon pay, payzapp, or any and make payment. Using credit card UPI top-up and paying on time the credit card bill my credit score reached 860. There is no benifit when cash get deducted from bank account directly. After government stopped cc-upi top-up I stopped using UPI. Where ever POS terminal available i use credit. Govt sucks.
Agreed. And using their UPI to pay card bills is also stupid. I almost missed paying by due date because UPI showed 2-3 days to reflect. Bas wheel ghumate raho cred coins se
I have been using rupay cc thro upi from many months now There is no such thing i have ever heard of Please stop spreading mis information Or share source of your information also with this comment
Don’t you think we are moving towards usa way As they are giving credit much and as we have see 2008 Giving more credit means problems for county say if wrong
Always check your payment, it happened me many that I did payment one time but the deduction was twice. It's happening with repay services now in these days.
Not so well as no one tells you this experience - I was able to top-up UPI with my visa credit card but it was blocked all across. Be it Amazon pay, pauzapp, or any and make payment. Using credit card UPI top-up and paying on time the credit card bill my credit score reached 860. There is no benifit when cash get deducted from bank account directly. After government stopped cc-upi top-up I stopped using UPI. Where ever POS terminal available using credit.
Phle jab credit card swipe karte tha customer toh between 2 and 3% charges merchant ko padte the.. but ap upi credit card se payment ho rahi hai.. ab toh shopkeeper ko pta bhi ni chalega kab usko charges padh gye.. jab bank statement ayegi tab pta chalega.. fir woh kahega yeh upi band karo.. ??
Rupay CC link with upi allowed but it should be allowed with all transactions like when we do with bank account linked, this not much useful bcoz big merchant mostly have card swipe machines so no use of upi
so it means if we spend with upi credit card, the amount will be generated in CC bills and not deduct from bank accounts??? and it will help us to achieve milestones such as spending this amount in the year to waive off next years annual charges???
Sab kuch to samajh liye humne per marchant pura Paisa nahi milta kuch paisa katke aata he agar rupay credit card se koi agar UPI kare to. Agar kuch iske uper jankari he to batayen plz
so u mean merchants will not hv to bear 2% for receiving upi credit card payments ? then who will bear the cost of interest and network charges.. ??? the bank ?
Hello sir... I want to know that can we have/use a single different mobile number for ( other then which is linked to bank account) for phonePe, Googlepay(UPI apps ). Will it work.? I mean recently updated my mobile no. In Bank. But I can still use phone, Googlepay.. etc for sending and receiving money for day-to-day task with my other no. Linked to it. I have not updated my new no. On this app. Is it because I have dual sim phone. Or UPI linking no. Should be bank linked no. Is not mendatory. Please 🙏 reply and give me some clarity. I have been searching answer for this from past 4 days and not getting clearity. 😅....
You are able to use UPI, because your earlier sim was verified by sending an sms(which was linked earlier), the UPI doesn't verify the sim everyday, it is done only once at the time of linking (you may say this is a bug), but your earlier sim needs to be in phone always AND IN THE SAME POSITION. Like if you put it in 1st TRAY WHILE VERIFYING the sim, and then if you put the sim in 2nd position in sim slot, then your UPI app will ask you to verify your number, then it won't work. But there is one catch, YOU CAN STILL PUT YOUR SIM IN THE 1ST SLOT, AND THEN IT WILL WORK AS IT USED TO BE WITHOUT ASKING TO VERIFY. This is a serious issue which I think UPI app needs to resolve, because it poses security issue.
is it possible to use any tricks to make normal upi payments. for an example i take uber rentals and they usually cancel the trip when they realise i am not paying to them directly so if i pay from credit card and they keep cancelling it will be frustrating i thought i'd just book the trip in cash later pay them through UPI but now it seems like not happening
Sir Visa, MasterCard aur AMEX. Ye networks markup charges par earn karte hai. Rupay ka toh markup charges hi nahi hai to Rupay earn kaise kar raha hai?
Do you think Rupay will not introduce Mark Up Charge ? They will when they get some good amount of Market Share through UPI or when they take over good volume of customer base from VISA / MASTER.
There are great benifit though - I was able to top-up UPI with my visa credit card but it was blocked all across. Be it Amazon pay, pauzapp, or any and make payment. Using credit card UPI top-up and paying on time the credit card bill my credit score reached 860. There is no benifit when cash get deducted from bank account directly. After govt stopped cc-upi top-up I stopped using UPI. Where ever POS terminal available i use credit card. Govt sucks.
Yes, if they pay you more than 1999 Payments equal or less than 1999 is free for merchants, but if a customer pays you 2000, then you (business) will have to pay 1.99%+gst on 2000 (approx 24 rupees) So you will receive only 1976 rupees And if they pay 3000 Then you will receive, 2964 rupees This is called MDR in financial terms.
mweko samaj nahi ata paylater ko banned karke isko promote kar raha han sarkar , MDR se bank ka jo kamai han o toh ruk jayega UPI pe .use upar reward dena parta han ... halaki customer aur dukan daro kiliye accha han bank walo ke liye , credit card ke lieye accha nahi han
Cred App - app.cred.club/k63y/w6qk2v5c
Last Night I have seen that in Phone pe also available
Prasad sir
Growth adicted bohot chal raha hai market me. Kya ye koi scam hai???
IPO apply kar sakte hai credit card se??
@namaskarprsad
Bhai logo ko adha adhura information mat bato pure sach bhi to batao 2000 ke uper UPI karne pe 2% charge lagata hai
2000 ke upper 2% charge lagata hai to UPI ka koi matlab nahi banta ha small payment me Kam ayega
One of the very few channels where i have actually clicked bell icon..
No One Can Stop INDIA Progress #JaiHind 🇮🇳🇮🇳
There is charge of mdr in rupay credit card used in upi if transaction is more than 2000. Also small merchant can accept it, I have done it. My mother has merchant qr. Transaction is less than 5k a month. I pay to that qr through credit card upi.
If charging for 2000 plus amounts then rupay upi is useless
@@santoshnatekar5232 you have to multiple transaction less than 2000 to make payment of 5000. It's not useless.
I think 50000 revenue condition is not compulsory, i payed to vendors who rarely make 20k a month
I was able to top-up UPI with my visa credit card but it was blocked all across. Be it Amazon pay, pauzapp, or any and make payment. Using credit card UPI top-up and paying on time the credit card bill my credit score reached 860. There is no benifit when cash get deducted from bank account directly. After government stopped cc-upi top-up I stopped using UPI. Where ever POS terminal available using credit.
Govt sucks.
Fan of NPCI
Credit card ho ya loan agar aap chukane me fail ho gaye to yeh log Lorde laga denge interest daal daal kar that's why isse credit card se nd loan ko maximum avoid kare ya low risk alternative search kare
Thank you so much for removing the white border! ♥️
Great video ... can you please also analyse the best rupay credit card among hdfc, sbi, bob, etc.?
@gaDgetHKBpkaa na
Very informative video. You have covered a lot of points. Thank you for sharing such great content!!
Be Indian, use Indian rupay 👍
Full marks to government for pushing this initiative.
The great NPCI🤩👏
What is great in it?
The great is -
I was able to top-up UPI with my visa credit card but it was blocked all across. Be it Amazon pay, pauzapp, or any and make payment. Using credit card UPI top-up and paying on time the credit card bill my credit score reached 860. There is no benifit when cash get deducted from bank account directly. After govt stopped cc-upi top-up I stopped using UPI. Where ever POS terminal available i use credit.
Govt sucks.
Banks shud give an option to convert the existing Visa cards to Rupay otherwise govt shud enable upi transitions for visa also
Rbi already do this
I was able to top-up UPI with my visa credit card but it was blocked all across. Be it Amazon pay, payzapp, or any and make payment. Using credit card UPI top-up and paying on time the credit card bill my credit score reached 860. There is no benifit when cash get deducted from bank account directly. After government stopped cc-upi top-up I stopped using UPI. Where ever POS terminal available i use credit.
Govt sucks.
@@buaidThat's Experian not CIbIL
@@SpunkyMaster that's cibil score
@@SpunkyMaster share me your email or what ever I'll forward that to you.
Cred apps reward is meaningless reward special cred coin useless👎
I agree.
Agreed. And using their UPI to pay card bills is also stupid. I almost missed paying by due date because UPI showed 2-3 days to reflect. Bas wheel ghumate raho cred coins se
65 lakhs coin pde hai☹️
Sir thematic ETF is good for long term
Thankyou Sir for this important video 🙏
If the amount is more than 2000/- then the charges are applicable for the merchant in this upi case also
I have been using rupay cc thro upi from many months now
There is no such thing i have ever heard of
Please stop spreading mis information
Or share source of your information also with this comment
Im using the merchant side application like bharatpe and icici instabiz they are charging on the transaction which are higher than 2000
Lol😂 i dont know how these ppl react with out knowing the full info
@@ishwardevi134kis kis marchent par work kar raha h
@ishwardevi134 what are the charges for each transaction if we use rupay credit card with upi?
Don’t you think we are moving towards usa way
As they are giving credit much and as we have see 2008
Giving more credit means problems for county say if wrong
Always check your payment, it happened me many that I did payment one time but the deduction was twice. It's happening with repay services now in these days.
ResPect for Prasad
Very well explained
Not so well as no one tells you this experience -
I was able to top-up UPI with my visa credit card but it was blocked all across. Be it Amazon pay, pauzapp, or any and make payment. Using credit card UPI top-up and paying on time the credit card bill my credit score reached 860. There is no benifit when cash get deducted from bank account directly. After government stopped cc-upi top-up I stopped using UPI. Where ever POS terminal available using credit.
Phle jab credit card swipe karte tha customer toh between 2 and 3% charges merchant ko padte the.. but ap upi credit card se payment ho rahi hai.. ab toh shopkeeper ko pta bhi ni chalega kab usko charges padh gye.. jab bank statement ayegi tab pta chalega.. fir woh kahega yeh upi band karo.. ??
Good information
Very informative video
All doubts cleared
In your list it is showing IDFC Rupay card is eligible for UPI payment but Cred person told it is not yet introduced. Please correct your list
Thanks for mentioning 😃
When trying payment by QR code scan it fails mostly because it is not merchant registered and goes waste of time
Small vendor ko be ho rahi and dosto ko be possible h bas dost ko kahna h Google pay business activate kar le us pe ho ka Raha h , ham kar rahe h
Rupay CC link with upi allowed but it should be allowed with all transactions like when we do with bank account linked, this not much useful bcoz big merchant mostly have card swipe machines so no use of upi
Issue is merchant have to pay 2% +gst on 2% to get payment above 2000...so its stupid
so it means if we spend with upi credit card, the amount will be generated in CC bills and not deduct from bank accounts???
and it will help us to achieve milestones such as spending this amount in the year to waive off next years annual charges???
Still spending amount is low in the rupay credit card it will take some time
First to like for the first time 😊
Galati se agar dost ko bhej diya, to fine lagega ki nahi lagega? Mere hisab se to aisa payment proceed hona hi nahi chahiye.
What is the charges for UPI transaction
Sab kuch to samajh liye humne per marchant pura Paisa nahi milta kuch paisa katke aata he agar rupay credit card se koi agar UPI kare to. Agar kuch iske uper jankari he to batayen plz
Fruitful information sir🎉.
In Ru pay credit card our money will be debited from cash or credit limit of our credit card?
so u mean merchants will not hv to bear 2% for receiving upi credit card payments ? then who will bear the cost of interest and network charges.. ??? the bank ?
Sir hdfc rupay merchant sananing limit
Can we convert our visa our master card to Ru Pay.
Do bank allow this
Yes
Hi Prasad sir when you will launch the man who built India season 2
Most awaited series 🎉
Thankyou sir for removing subtitles 😊😊❤️❤️
I have UPI CC but I am able to send it to small merchants as well I doubt they have monthly transactions of 50k because I live in a small city
HSBC Visa credit can link with Google Pay UPI.
@namaskarprasad Any Rupay card can be linked or only Rupay Upi credit cards??
Hello sir... I want to know that can we have/use a single different mobile number for ( other then which is linked to bank account) for phonePe, Googlepay(UPI apps ). Will it work.?
I mean recently updated my mobile no. In Bank. But I can still use phone, Googlepay.. etc for sending and receiving money for day-to-day task with my other no. Linked to it. I have not updated my new no. On this app.
Is it because I have dual sim phone. Or UPI linking no. Should be bank linked no. Is not mendatory. Please 🙏 reply and give me some clarity. I have been searching answer for this from past 4 days and not getting clearity. 😅....
You are able to use UPI, because your earlier sim was verified by sending an sms(which was linked earlier), the UPI doesn't verify the sim everyday, it is done only once at the time of linking (you may say this is a bug), but your earlier sim needs to be in phone always AND IN THE SAME POSITION.
Like if you put it in 1st TRAY WHILE VERIFYING the sim, and then if you put the sim in 2nd position in sim slot, then your UPI app will ask you to verify your number, then it won't work. But there is one catch, YOU CAN STILL PUT YOUR SIM IN THE 1ST SLOT, AND THEN IT WILL WORK AS IT USED TO BE WITHOUT ASKING TO VERIFY.
This is a serious issue which I think UPI app needs to resolve, because it poses security issue.
As a merchant we have to pay 3% tax for accepting rupay credit card.. Worst for merchant accepting credit cards upi payment.
Is it true?😮
@@UdayKumar-ut7fm yes bro.
If a consumer spends more, merchants can sell more. Banks earn more. At the end of the day, consumers end up spending more money than anticipated.
I have linked my xxx bank credit card on UPI WHICH IS NOT RUPAY ,I Have done one successful transaction too
PAYTM me bhi add kar sakte hai
Nahi
350 charge lage ga
I am using credit card upi first time on gpay
Greatly explained.
SBI card ke valuation badega kya ? or share price bhi boom hoga kya ?
Sir charge ke bare mai nahi bataya
2k ke aage 1.9% charg hai
Is there any charges applicable externally?
is it possible to use any tricks to make normal upi payments. for an example i take uber rentals and they usually cancel the trip when they realise i am not paying to them directly so if i pay from credit card and they keep cancelling it will be frustrating i thought i'd just book the trip in cash later pay them through UPI but now it seems like not happening
Petrol pump pe 10% extra charges lagte he...
Sir Visa, MasterCard aur AMEX. Ye networks markup charges par earn karte hai. Rupay ka toh markup charges hi nahi hai to Rupay earn kaise kar raha hai?
Do you think Rupay will not introduce Mark Up Charge ?
They will when they get some good amount of Market Share through UPI or when they take over good volume of customer base from VISA / MASTER.
@@srajesh2707 they will surely start fees to users
You mentioned upi Pymt with rupay CC to merchant allow who has 50k value transactions
Paytm merchant credit card upi 2000 rupees se jyada par 2% charges le Raha hai
This is use less even Visa card annual no fees but rupay card charging fees with limited utilities
Phone pay par use kr rhe hai
Sir kya card to card payment ho paygi🙏🏼
kaise pata chalega kis ka limit 50000 ke upar hai?
Phope pay par bhi he👍
Visa card aur Rupay card mai kya difference hota hai. Sir 🧐
Is there any charges regarding the upi payments through credit card
No
There are great benifit though -
I was able to top-up UPI with my visa credit card but it was blocked all across. Be it Amazon pay, pauzapp, or any and make payment. Using credit card UPI top-up and paying on time the credit card bill my credit score reached 860. There is no benifit when cash get deducted from bank account directly. After govt stopped cc-upi top-up I stopped using UPI. Where ever POS terminal available i use credit card.
Govt sucks.
Good opportunity for credit card users ❤
Payment pe koi charges bhi h kya?
koi transaction fees bhi lagti hai bhai..???
*Bro Can we use this for IPO payment*
Nice video
What are the charges for merchants ?
As a business, do I have to pay any extra tax if any of my customers pay using UPI credit card?
Yes, if they pay you more than 1999
Payments equal or less than 1999 is free for merchants, but if a customer pays you 2000, then you (business) will have to pay 1.99%+gst on 2000 (approx 24 rupees)
So you will receive only 1976 rupees
And if they pay 3000
Then you will receive, 2964 rupees
This is called MDR in financial terms.
Charges kyaa lgege
Do we get reward points using upi
Problem is that some merchants don’t accept money through upi credit card. They are aware that they will be charged for this.
Also why u want to get the small shop keepers charged already they are facing so many issues
Phonepe mein bhi available hai aisa option UPI pey 🎉🎉🎉
Mera Amazon Pay link ho rha h...wo VISA ka h
Thanks 😊
Sbi rupay kab upi par available hoga?
Aur credit card ki cashback bhi khatam ho jayenge
Will I get credit card rewards??
Make a video on how britisher deindustrailse bharat
Super
Galat info mat do. CVV u need not to remember if u paying through any other UPI app as well through rupay credit card
Koi charges
Charge to bataya nahi
Wouldn’t this encourage scams?
Kash cred unicorn bann jaye or Kunal Shah ke looks sudhar jaye or vo depression se bahar aajaye .
Can buy ipo by credit card
Nahi
No
mweko samaj nahi ata paylater ko banned karke isko promote kar raha han sarkar , MDR se bank ka jo kamai han o toh ruk jayega UPI pe .use upar reward dena parta han ... halaki customer aur dukan daro kiliye accha han bank walo ke liye , credit card ke lieye accha nahi han
Seems you are promoting cred.
Good
This system destroyed the benefit of credit card facilities of credit.
Interest on delayed payment
Bekaar ho gya rupay credit card upi hota hi nhi h sahi se transaction failed ho jata h
Ok
Please make the health insurance video like term insurance
Karz mein Dhakel rhe hai bs
Government ko GDP badana hai uski he ninja tarkib hai
From credit card govt will increase GDP? Are you high somehow?
Wrong kisi b merchant ko kr skte h chahe uski jitni b income ho