r/CreditCardsIndia • u/akashdutta57 • 6d ago

General Discussion/Conversation Westside passing on MDR on customers now (started 8th oct)

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Guys "Pay Smart" according to westside. You are not allowed to pay using your credit cards now without incurring a 49rs flat fee mentioned as a convenience fee.

Also before anyone jumps with saying passing MDR to a customer is ok, Mastercard and visa network explicitly mention in their contracts that MDR should not be passed on to customers.

MDR pass on to customers on UPI and debit cards are outright banned in india according to RBI but credit cards don't fall under that rule but also you have network contracts that make it illegal.

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u/krthiak 6d ago

Use UPI through Credit Card. That’s what I do

0

u/akashdutta57 6d ago

The billing desk said if it's cc, then fee applicable, doesn't matter if you do upi on credit card

2

u/krthiak 6d ago

They’ll never know. Especially when QR is generated, you can use GPay and use CC! Some have blocked that CC option these days. In Dmart, it worked a week back

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u/Conscious_Ad_3251 6d ago

They don’t need to know when qr is generated they can pass the fee in payload so whenever you select the cc the amount will be updated