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Indian members, how buying online now?

by liltceo
18 replies
Hi, Friends,

I am from India, and now a days due to RBI regulations i can't use paypal for online purchase, and also i can't make international purchase with any debit card, also can't able to add money to vcc through debit card due to RBI regulation.

How you making international online purchasing now a days on sites like fiverr, WSO's and others international purchase.

Please give any good suggestions, urgently...
Thank you....
#buying #indian #members #online
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  • Profile picture of the author noahava207
    Actually Papal use different platform for different countries.So you are not allowed to send money from the India. Did you check with the Credit card? I think you may be able to use the Credit card to purchase anything from online.
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    • Profile picture of the author liltceo
      Thank you noahava207, for your replay, even for credit card there is some restriction, but credit card seems working, but i am looking for any other methods other than credit card.
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      • Profile picture of the author Alexa Smith
        Banned
        Originally Posted by liltceo View Post

        i am looking for any other methods other than credit card.
        I'm no lawyer, but my guess is that you're probably not going to find them, because if they're non-credit-card methods, then they're going to involve using some kind of account which would itself have to be funded contrary to the RBI regulations you mentioned? If credit isn't given by a third-party, then that means liquid funds have to be transacted at the point of sale, doesn't it?

        .
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  • Profile picture of the author nrupen
    I am from India and I have faced similar problem.

    First you can not purchase from any payment gateway that requires payment details registration like PayPal. You can purchase only from payment gateways that let you buy directly using a credit card.

    To make a purchase without card you need Net Banking active on your Bank Account. On your net banking account you have either e wallet or virtual credit card option.

    This facility is right now available on all major public and private sector nationalized banks but not on local banks. All banks whose advertisement you can see on television are either nationalized or international banks.

    Virtual Credit Card and e wallet can be used as credit cards for 24-48 hours, or with one use only option, whichever your bank allows. This is your only option to buy without credit card.

    Problem with this method,
    1. Any payment gateway that disallows virtual credit card will not let you purchase.
    2. Once you buy product, don't expect to get any refund because all e wallets gets deleted within 24-48 hours either you use them or not.
    3. If your e wallet fails to work, you have no other option other than contacting your bank. And as my personal experience with different banks I can surely say their employees have zero idea about using different options available in Net Banking facility and when it comes to e wallet most of them might act as they are doomed.

    Get a real credit card if possible else just try e wallet or VCC option.
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  • Profile picture of the author nizamkhan
    As far I know the only Debit Cards working with PayPal are from ICICI Bank and Axis Bank. I'm personally using Debit Card from ICICI Bank and it works fine with PayPal. So, I can suggest you to open an account with ICICI Bank (if you don't have it yet) to get their debit card.


    - Nizam
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    • Profile picture of the author smonline
      Originally Posted by nizamkhan View Post

      As far I know the only Debit Cards working with PayPal are from ICICI Bank and Axis Bank. I'm personally using Debit Card from ICICI Bank and it works fine with PayPal. So, I can suggest you to open an account with ICICI Bank (if you don't have it yet) to get their debit card.


      - Nizam
      I have used my HDFC debit card in paypal, and it works fine. That means i use it to purchase through paypal.

      Obviously it is a VISA debit card.

      So, I think Paypal works well for visa debit card.

      Another thing to note here:- sometimes, a bank does not activate a card for online purchase,esp for new customers of the bank, who have just opened an account in that bank.

      In that case you can call the customer care of the bank, and tell them that you cannot use the card for online shopping, so ask them to activate it.
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      • Profile picture of the author nizamkhan
        Originally Posted by smonline View Post

        I have used my HDFC debit card in paypal, and it works fine. That means i use it to purchase through paypal.

        Obviously it is a VISA debit card.

        So, I think Paypal works well for visa debit card.

        Another thing to note here:- sometimes, a bank does not activate a card for online purchase,esp for new customers of the bank, who have just opened an account in that bank.

        In that case you can call the customer care of the bank, and tell them that you cannot use the card for online shopping, so ask them to activate it.
        That's good to know, it means one more option to the list of working debit cards

        Yes, I agree. When opening a new account or getting a new card, the card may not be activated for international payments, so it's better to confirm with the bank.

        - Nizam
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        • Profile picture of the author liltceo
          Originally Posted by nizamkhan View Post

          That's good to know, it means one more option to the list of working debit cards

          Yes, I agree. When opening a new account or getting a new card, the card may not be activated for international payments, so it's better to confirm with the bank.

          - Nizam
          Yes, I will try that..

          Originally Posted by smonline View Post

          I have used my HDFC debit card in paypal, and it works fine. That means i use it to purchase through paypal.

          Obviously it is a VISA debit card.

          So, I think Paypal works well for visa debit card.

          Another thing to note here:- sometimes, a bank does not activate a card for online purchase,esp for new customers of the bank, who have just opened an account in that bank.

          In that case you can call the customer care of the bank, and tell them that you cannot use the card for online shopping, so ask them to activate it.
          Thank you for your replay, I just opened icici a/c may be it not activated for international purchase

          Originally Posted by Alexa Smith View Post

          I'm no lawyer, but my guess is that you're probably not going to find them, because if they're non-credit-card methods, then they're going to involve using some kind of account which would itself have to be funded contrary to the RBI regulations you mentioned? If credit isn't given by a third-party, then that means liquid funds have to be transacted at the point of sale, doesn't it?

          .
          Yes may be right, but i may be looking for if there is some option which is good with RBI regulations and without a credit card, something like entropay vcc

          Originally Posted by nrupen View Post

          I am from India and I have faced similar problem.

          First you can not purchase from any payment gateway that requires payment details registration like PayPal. You can purchase only from payment gateways that let you buy directly using a credit card.

          To make a purchase without card you need Net Banking active on your Bank Account. On your net banking account you have either e wallet or virtual credit card option.

          This facility is right now available on all major public and private sector nationalized banks but not on local banks. All banks whose advertisement you can see on television are either nationalized or international banks.

          Virtual Credit Card and e wallet can be used as credit cards for 24-48 hours, or with one use only option, whichever your bank allows. This is your only option to buy without credit card.

          Problem with this method,
          1. Any payment gateway that disallows virtual credit card will not let you purchase.
          2. Once you buy product, don't expect to get any refund because all e wallets gets deleted within 24-48 hours either you use them or not.
          3. If your e wallet fails to work, you have no other option other than contacting your bank. And as my personal experience with different banks I can surely say their employees have zero idea about using different options available in Net Banking facility and when it comes to e wallet most of them might act as they are doomed.

          Get a real credit card if possible else just try e wallet or VCC option.
          Thanks for your detailed replay, and for net banking and vcc from nationalized banks they have only option to make domestic purchase only i can't able to make international purchases.

          Originally Posted by nizamkhan View Post

          As far I know the only Debit Cards working with PayPal are from ICICI Bank and Axis Bank. I'm personally using Debit Card from ICICI Bank and it works fine with PayPal. So, I can suggest you to open an account with ICICI Bank (if you don't have it yet) to get their debit card.


          - Nizam

          Thank you, i just opened an icici bank account but it is visa debit card but still can't able to make international purchase, its may be my card is not activated for international purchases.
          Does icici bank have any customer care no. which i can contact directly, now i can only able to leave my no. to them and they will call back to me after a day, some times they will never make a call back.
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          • Profile picture of the author nizamkhan
            Originally Posted by liltceo View Post

            Yes, I will try that..



            Thank you for your replay, I just opened icici a/c may be it not activated for international purchase



            Yes may be right, but i may be looking for if there is some option which is good with RBI regulations and without a credit card, something like entropay vcc



            Thanks for your detailed replay, and for net banking and vcc from nationalized banks they have only option to make domestic purchase only i can't able to make international purchases.




            Thank you, i just opened an icici bank account but it is visa debit card but still can't able to make international purchase, its may be my card is not activated for international purchases.
            Does icici bank have any customer care no. which i can contact directly, now i can only able to leave my no. to them and they will call back to me after a day, some times they will never make a call back.
            Check if you have any toll free/customer care number on any of the bank documents. However, I suggest you go to your bank branch and then ask them directly to activate your card for international payments.

            P.S: When you get a new card, for the first time just make sure you use the card at any ICICI (or other) ATM to activate your card before using the card for online payment/international payments.

            - Nizam
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  • Profile picture of the author Samrath Gupta
    ICICI Bank Debit card works fine with PayPal. I'm using it from past 2-3 years lol..

    Try it out
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    • Profile picture of the author liltceo
      Originally Posted by Samrath Gupta View Post

      ICICI Bank Debit card works fine with PayPal. I'm using it from past 2-3 years lol..

      Try it out
      Thanks i am checking out
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  • Profile picture of the author vishwa
    You Can also use Debit cards available from AXIS, ICICI bank. I have personally use them without any problem.
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  • Profile picture of the author arindamb
    Hi,
    Paypal in India doesn't work the same way as in other countries and it's been like that for a while.

    Solution1
    Of course if you have a credit card you can use that to make payments. Just about any kind of CC would do.

    Solution2
    If you don't want to use your credit card go get yourself an ICICI or HDFC debit card (VISA). They are International debit cards and you can use them online AFTER ACTIVATION.

    How to activate?
    After getting your ICICI Visa card wait for 24 hrs and then call the customer care number at the back to activate international transactions. It's locked by default. The customer care is going to take less than 24 hours to activate it and after that you can use it to make any kind of payments. You can link it to your paypal too.

    Hope that helps.
    Cheers!
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  • Profile picture of the author pin9211
    Do anyone know How enable my PayPal to make purchase. Its attached with Indian bank account. the amount in PayPal gets auto withdrawn. Its Bangalore branch of Indian bank. Any Indian who could help me in this.
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    • Profile picture of the author liltceo
      Originally Posted by vishwa View Post

      You Can also use Debit cards available from AXIS, ICICI bank. I have personally use them without any problem.
      Thanks

      Originally Posted by arindamb View Post

      Hi,
      Paypal in India doesn't work the same way as in other countries and it's been like that for a while.

      Solution1
      Of course if you have a credit card you can use that to make payments. Just about any kind of CC would do.

      Solution2
      If you don't want to use your credit card go get yourself an ICICI or HDFC debit card (VISA). They are International debit cards and you can use them online AFTER ACTIVATION.

      How to activate?
      After getting your ICICI Visa card wait for 24 hrs and then call the customer care number at the back to activate international transactions. It's locked by default. The customer care is going to take less than 24 hours to activate it and after that you can use it to make any kind of payments. You can link it to your paypal too.

      Hope that helps.
      Cheers!
      Thank you for that useful post, especial for the activation part, i recently ordered new card.

      Originally Posted by pin9211 View Post

      Do anyone know How enable my PayPal to make purchase. Its attached with Indian bank account. the amount in PayPal gets auto withdrawn. Its Bangalore branch of Indian bank. Any Indian who could help me in this.
      Now we can't able to make purchase with paypal balance due to latest RBI regulations, paypal withdrawn this features in india, we can only able to get the money to paypal and it withdrawn to bank account in 7 days.
      but we can use credit card or debit card to purchase online through paypal.
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  • Profile picture of the author Sagar Mehta
    Buying using the Paypal balance has been disabled for ages now, and the auto-withdraw was implemented way back too. It's nothing new.

    But, you can use Paypal to buy stuff online - it simply charges your debit card / credit card instead of your Paypal balance.

    1. Call your bank to ensure they have enabled international transactions on your debit card
    2. Add your debit card to your Paypal account. You'll be charged a small amount and using that, Paypal will ask you to verify your card.
    3. Once done, you can easily buy anything using your Paypal account as long as the site you're buying from supports Paypal.

    If not, then your debit card would work directly as well.
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  • Profile picture of the author prashanthpop
    I use Axis bank Debit card for transferring money to my Paypal Account.There are only 2 Debit Cards that are working with Paypal in India,Axis and ICICI Debit cards.Make sure that the cards are for Global use,because these cards differs in their using purpose.Like some Cards are for only Electronic Use,you cannot create a Paypal account link to such cards.

    Please refer this Article,if you are still Confused about this!


    Indian Debit Cards which Work on PayPal & Google Wallet PayPal & Google Wallet
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  • Profile picture of the author nicheblogger75
    Just an observation, but I've noticed that this is the second four-year old thread that you have resurrected on this subject.

    In both threads you also dropped a link to the same website, and what do you know, it's for a payment gateway.

    Promotion in the main forum much?

    Uhh, I mean spamming in the main forum much?
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