If you’ve ever found yourself stuck while trying to make a payment on BHIM App using your Moneyback Plus credit card, you might have encountered the “Transaction not permitted to UPI by PSP” error. It’s frustrating, especially when you’ve linked your credit card, expecting smooth transactions, only to face this issue time and again. You’re not alone in this struggle, and today, we’ll walk you through what this error means, how to fix it, and what to do when you’re met with other frustrating messages like “Transaction is not permitted from this account.”
What Does the “Transaction Not Permitted to UPI by PSP” Error Mean?
It’s a classic case of technology throwing us a curveball when we least expect it. You’ve added your Moneyback Plus credit card to the BHIM UPI app, excited to use it for hassle-free payments, but then, suddenly, that dreaded error message pops up: “Transaction not permitted to UPI by PSP.”
This error typically occurs when the Payment Service Provider (PSP), in this case, your card issuer or the app you’re using, doesn’t permit transactions through UPI for that specific card or account. It’s a permission issue, but don’t worry. We’ll dive into why it happens and how to resolve it.
Why Does This Error Occur?
Before we get into the solution, let’s break down the issue. The UPI system allows for quick transfers and bill payments, but certain rules govern how payment service providers (like banks and credit card companies) authorize transactions.
The error arises because either:
- Your credit card issuer doesn’t support UPI transactions for that specific credit card.
- The card type or the credit card limit isn’t aligned with UPI’s requirements.
- Some specific settings in your BHIM App or the PSP (Payment Service Provider) may be blocking the transaction.
Step-by-Step Guide to Resolve “Transaction Not Permitted to UPI by PSP”
Verify Your Credit Card’s UPI Eligibility
First things first, not all credit cards are compatible with UPI payments. While debit cards and some types of credit cards can be used with UPI, Moneyback Plus might have restrictions on certain types of payments or transactions.
Here’s how you can verify:
- Check with the bank – Visit or call the customer service of the bank that issued your Moneyback Plus credit card. Confirm if UPI payments are supported for that card.
- Check the BHIM App – If the card isn’t compatible, the BHIM app should notify you about the restriction.
If your card isn’t UPI-enabled, you might want to try another credit card or debit card that supports UPI payments.
Make Sure Your Credit Card Is Linked Properly
Sometimes, the error could be due to a simple issue with how your card is linked in the BHIM App. If there was a glitch during the linking process or if it wasn’t linked correctly, you’ll encounter issues like the one you’re seeing.
Here’s what you need to do:
- Open the BHIM App on your phone.
- Go to the Account Settings and select Linked Accounts.
- Ensure that your Moneyback Plus credit card appears in the list of linked accounts.
- If it’s missing, add it again by clicking Add Account, following the steps to link your credit card to your UPI ID.
Clear App Cache or Update BHIM App
Sometimes the BHIM App might be showing this error due to outdated app data. It’s a good idea to clear the cache or update the app to the latest version.
- Clear Cache – Go to your phone’s Settings > Apps > BHIM App > Storage, and click Clear Cache.
- Update the App – Visit your phone’s app store, search for BHIM, and tap Update if an update is available.
An updated app can fix bugs and resolve issues like “Transaction not permitted to UPI by PSP”.
Ensure Your Credit Card is Not Blocked for Online Transactions
Many times, credit cards are blocked by the bank for online payments as part of security measures. This can be especially true for high-risk transactions such as UPI payments.
Here’s what to do:
- Call the customer support of the bank that issued your Moneyback Plus card.
- Ask them to confirm if your card is enabled for online transactions, specifically for UPI.
If the card is blocked, ask them to enable the feature. Once that’s done, retry your payment through the BHIM App.
Check for Payment Gateway Issues
Sometimes the problem isn’t with the app or card but with the payment gateway itself. If you’re trying to make a payment through a third-party service like Mobikwik, the issue might be on their end.
- Check the payment gateway status – Visit the service’s support page (like Mobikwik) and look for any known issues with UPI payments.
- Retry after some time – Sometimes, the error is just a temporary glitch. Give it some time and try the transaction again.
Troubleshooting the “Transaction Is Not Permitted from This Account” Error
If you’ve ever encountered the message “Transaction is not permitted from this account” while attempting to pay using your Moneyback Plus card on Mobikwik through BHIM, the cause could be related to different factors. This error might occur if:
- Your account settings or payment method don’t allow for third-party payments.
- UPI settings on your Moneyback Plus credit card are restricting the transaction.
Check if Your Card Supports Mobikwik Payments
Mobikwik might not support your credit card if the provider has restrictions on third-party payment gateways. Double-check with Mobikwik’s customer support or look through the FAQs to ensure that your Moneyback Plus card is supported.
Remove and Re-add the Card
If the Moneyback Plus card is not working as expected, it’s worth removing it from your Mobikwik payment options and re-adding it. This can fix any errors related to outdated data or incorrect configurations.
Here’s what you do:
- Open the Mobikwik app.
- Go to Payment Methods and select Remove Card.
- Add your Moneyback Plus card again and confirm the details.
Use a Different Payment Method
If the issue still persists, consider using another payment method, such as a debit card or bank account, for UPI payments through Mobikwik.
Frequently Asked Questions
Conclusion
While encountering errors like “Transaction not permitted to UPI by PSP” or “Transaction is not permitted from this account” can be frustrating, the solutions provided above can help you resolve these issues quickly. It’s all about making sure your credit card is UPI-enabled, properly linked, and that there are no issues with the app or payment gateways.
If all else fails, don’t hesitate to reach out to your bank or customer support for help. Most importantly, keep your payment methods updated and make sure you’re using a compatible card for UPI transactions.
