What is your preferred online payment gateway/app and online wallet?

iPwnz

Brutally Honest

Veteran

My local meat vendor started using gpay so I got curious.

I've never used any of them

 

wisekaiser

Member

Disciple

GPay, primarily because of its wide acceptance.

 

nRiTeCh

Well-Known Member

Veteran

Gpay or CC is what I prefer.
I'm not on phonepe etc. Paytm I dont use even though registered. Amazon pay on for amazon shopping only.

Never ever used debit card in past 5yrs for swapping at any kiosk thanks to nos. of CC I hold.

Always carry only one debit card with just 5k odd cash loaded just for those in case situations..

 

Last edited: Mar 28, 2021

Kmkaks

Member

Disciple

Down south Googlepay is most popular, almost everyone uses Googlepay, Paytm is hardly used here.

Phonepe has been more reliable for me than Googlepay though, Googlepay sometimes shows issues in processing payments, however have never faced any such issue using Phonepe. Also read somewhere that Phonepe is more secure.

Google pay also gives small rewards. Have earned around 600rs as reward in last 18months.

I have stopped using cash and debit card. Almost 100% upi and neft. Have a seperate PMJDY account on which I keep 3-5k balance, which I use for UPI purpose. Any excess received in my UPI linked account will be transferred immediately to my main account.

Would like to hear senior members take on security using UPI!.

 

iPwnz

Brutally Honest

Veteran

Kmkaks said:

Googlepay sometimes shows issues in processing payments,

Click to expand...

True that. I noticed this during mobile recharges. I always get the transaction number but often no recharge go through. I don't know if any amount get deducted because I'm not the one who does the payment. My friends and those whom I've asked to do recharges hesitate now. But I require recharges after 12AM to get full day validity and all mobile recharges are already closed by then and I have to ask someone in my contacts anyway lol.

 

Last edited: Mar 28, 2021

alekhkhanna

Well-Known Member

Veteran

Google Pay is a hit or miss. At least in Delhi NCR, Paytm remains the most popular, and the failure rate is extremely low.
Mostly it's Paytm or CC for me.

 

nitin_g3

Active Member

Disciple

I used to mostly use phonepe, but lately it's been giving issues while scanning barcodes. Tried Amazon pay upi and found it faster than phonepe. Now I mostly use Amazon pay since it doesn't get stuck at scanning.

 

silverstar

Member

Recruit

Mostly a combination of PayTM and GPay

 

ibose

Well-Known Member

Disciple

PayTM UPI, worked flawlessly so far. Dabbled with Gpay for sometime but did not like the interface.

 

nRiTeCh

Well-Known Member

Veteran

Gpays yesteryears versions were stable and worked flawlessly but since last yr and off late the app itself is a complete clutter/kachra of so many shit things that the ultimate sole focus of payment is left aside with so many payment issues etc.
Here the payment issues start around 7pm daily evening time so now the shopkeepers either ask for cash or credit/debit card payments. They hide the upi scan thing stating not working.

 

asingh

Well-Known Member

Staff member

The base BHIM UPI phone app. Via scan mode. Works flawlessly and bank account binding is easy. Found the google play app quite hard to use.

 

kalph09

Member

Disciple

Google Pay was appallingly poor initially with a high failure rate. However, it has improved over time and been working more seamlessly. However, I use UPI mode for transactions not exceeding a few thousand rupees. Anything above that limit is either a credit card or NEFT.

PhonePe was good initially, it's been all downhill for the last 6 months. The app is chaotic and started to get a bit intrusive when it started duplicating my bills (internet, landline, electricity) and ended up paying twice several times.

My next step is to unlink all bank account and try to keep them running via credit card. In an event of a fraudulent transaction, I have some fighting chance.

 

Goodfella

Member

Disciple

Google pay does not work well for me [high failure rate, very frustrating].
Paytm, PhonePe, and Amazon UPI work alright.

 

GurwinderKaur

New Member

Recruit

The most preffered online gateway/app I prefered to use now is PhonePe and sometimes Paytm. Earlier I used to prefer Gpay only but it is not working fine now, many times payment got stuck, although it was and it is fast.

 

Lespiritdecorpse

Member

Recruit

For all online shopping sites/ app and food ordering apps, i have linked a low value instant credit card. Other than that I do use Paytm at odd intervals.

 

VivekSood

WFH FTW!

Staff member

gpay/phone pay, sometimes paytm.