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IRCTC Clarifies On Payment Via Credit Cards, Debit Cards: 5 Things To Know

The railway ministry was clarifying on media reports which said IRCTC had barred certain banks from using its payment gateway for debit card transactions.
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IRCTC is an arm of the Indian Railways
IRCTC is an arm of the Indian Railways

Highlights

  1. IRCTC is accepting payments via cards of all banks, Railway Minister said
  2. The minister said it had not imposed any restrictions on any bank cards
  3. IRCTC said that it has provided 7 payment gateways for accepting payment
IRCTC or Indian Railway Catering and Tourism Corporation is accepting payments via cards from all banks. This was said by the Ministry of Railways in a post on microblogging site Twitter. IRCTC is an arm of the Indian Railways. The railway ministry said: "No debit or credit card of any bank has been restricted by the IRCTC for acceptance on any of the gateway... Debit/Credit cards of all banks are accepted on any payment gateway. No truth in news of having blocked any card of any bank." The ministry was clarifying on media reports which said IRCTC had barred certain banks from using its payment gateway for debit card transactions.

Here are five things to know about IRCTC


The railway ministry said that it had not imposed any restrictions and debit/credit cards of all Indian banks were accepted.

"To use any Debit/Credit Card on Payment page, select 'Payment Gateway/Credit/Debit Cards' and use any Payment Gateway," IRCTC said on its website - irctc.co.in. 

(Also readHow to avail IRCTC's 'book now, pay later' facility for Tatkal tickets)

IRCTC or Indian Railway Catering and Tourism Corporation also said it has provided seven payment gateways for accepting domestic debit and credit cards and direct integration to some banks as value added service to for the convenience of its passengers.

In a circular issued on Friday, the Railways also said that direct integration with banks has additional costs. IRCTC had earlier asked banks to share a part of the transaction charge with the Railways but later on forfeited its share of the transaction charge and asked banks to pass on the benefits to the customer.
IRCTC has seven gateways to accept digital payments. These are ICICI Bank, HDFC Bank, Citi Bank, Axis Bank, Paytm, PayU and ITZ Cash. Payment gateway of American Express Bank is integrated for Amex Card and of Kotak Bank for accepting Rupay Cards. IRCTC also accepts international Debit/Credit cards through the payment gateway of M/s Atom, IRCTC said.

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