2018年1月5日开始,Paytm暂时不接受VISA,AMEX开始收手续费,只剩下MasterCard免费了

Updated on March 12th, 2018

 

2018年1月5日开始,Paytm暂时不接受VISA,AMEX开始收手续费,只剩下MasterCard免费了。

结论

羊毛总是会有结束的一天。之前Paytm声称永远都不会对信用卡付款收取手续费,现在就只剩下MasterCard免费了,估计也撑不了太久,大家且薅且珍惜吧。

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Paytm的官方声明:

At Paytm, we strive to provide you with flexible payment options to pay your bills, and we will maximize our efforts to ensure that you should not encounter any fees. However, beginning January 5, 2018, at 9:00 p.m. (EST) there are a few changes that will impact both Visa and American Express credit card holders.

Background

I wanted to use this opportunity to explain how we decided allowing payment methods for a particular transaction, and also share our direction for 2018.

We started Paytm with a mission: to make the Paytm bill payment experience a smooth, reliable and convenient one for every Canadian. We want to help people save money and avoid late fees; and we also offer rewards as a bonus for doing regular payments every month. To stay true to our mission, we have not been charging users credit card fees, which we incur, and have reimbursed all our credit card users that have been charged a fee because we want to stand by our promise.

However, we were informed that effective January 8, 2018, all Visa credit card transactions would be treated as a “Cash Advance”. If you pay any bill with a Visa credit card, you will incur additional fees on your monthly statement.

While we have already informed all impacted users in our blog post dated 17 December, we have decided to take it a step further and effective today, Visa credit cards will be suspended on our platform. We want to continue to keep your experience a reliable one, and to avoid any surprises that you may come across. We hope to find a resolution soon.

In addition to this, starting today, American Express cardholders will also notice a fee when they use Paytm to pay a bill. Since American Express credit cards incur an unreasonably higher service fee, when compared to other credit card service fees, it has debilitated our ability to provide our users the experience that they deserve as Paytm has been managing the fees.

How can I stop this ?

I wish we could tell you to “write to your councillor” or “sign a petition” or “assemble for a protest at your city center” to ask for a waiver on Cash Advance fees for bill payments — but that would not help 🙂 We are doing all possible things to enable this, and we will surely keep you posted as well. Do sign-up on our blog for updates.

What about the rest of us?

Nothing changes.

You can still use the Paytm app to pay a bill with any bank account in Canada, your Mastercard credit card, your bank debit card (Mastercard and Interac) and Paytm Cash.

The majority of our users are already on one of these payment method, so I am very happy to share that with you guys — Life goes on as usual, you just get some extra Paytm Rewards this month through our newly launched Gift card deals, and two contests that we’re running this month: one for a fully-paid beach vacation for two during spring break; and another one for an iPhone X.

And if that wasn’t good enough, the team has been cooking up something big. Stay tuned for the big announcement next week!

A final note on “manufactured spending” from our Ops team:

I would like to take this opportunity to share Paytm’s philosophy on the usage of credit cards. As mentioned above, we have always enabled all types of payment methods and we will always strive to do so. Unfortunately, some users have abused the service and purposely over paid their bills, followed by asking the biller for a refund. By doing this the user receives reward points from their credit card while, Paytm and the biller handle the unfair costs. We have actively put an end to this type of payment behaviour, and we will be persistent to prevent it from continuing to occur.

We wish to become the single destination for all Canadians to pay their bills and we will make it safer, easier and more rewarding than any other option. That’s our promise.

For any questions, feel free to email us at: [email protected]

– Harinder Takhar

巧用积分里程和精英会籍获得出游更大的舒适度,用里程兑换头等商务舱机票。