On the 7th of November, someone made a purchase of Rs. 12000/- + via ngpay on my wife’s credit card, which we came to know only on the 11th November.
My first reaction was to call the bank, block the card so that further damages could be avoided. Post that late in the night I tweeted about the problem, which got RT a couple of times and people referred it to @ngpay.
Surprisingly, the first thing next morning I got a call from Siddharth from Ngpay, who took down the details and explained what had happened and asked me to raise a dispute with the issuing bank who would sort it out, however in case I was interested in knowing the details of the person who had used it, then they would require a FIR (first information report) filed and a copy sent to them.
An impressive use of twitter and more importantly responding to the customer, which means as a brand they are listening.
If I ever decide to start buying through the mobile portal, I would sure give them a shot.
I write, review, rant, rave, on a variety of personal things. Call it Mindcasting. The written word has been my long time friend – jotting down thoughts based on what I read, heard, saw or recording my own experiences for later reference.
How did NGPAY know who to call based on just the twitter thread?
@aar4 They @ngpay checked the tweet, asked me for contact details and then called up.
Check with your bank.
Whether the above transaction was authorised by the PIN which should have been issued for the credit card as per the RBI regulation. (Verified by Visa or Master code).
If the transcations were authorised by the PIN. Then your PIN might have been exposed to the fraud. Otherwise as per the RBI guideline your bank is not supposed to authorise any online transactions without the PIN.Raise the issue with bank.If not yielding any result. Raise the same with RBI for non-complaince.
http://www.dnaindia.com/india/report_bribe-check-it-s-cleaner-online_1469706
Refer the extract from DNA India
“Unlike in other countries, the RBI made credit card companies impose a double verification system. But on the other hand, restrictions and verifications on payment gateways for mobile phones, such as Itz Cash and ngPay have only been eased. This couldn’t have happened without intense lobbying by the companies, wherein money (or gifts) is certain to have exchanged hands,”
Dear Anaggh,
Thanks for the appreciation on your blog. We are glad we were able to assist you regarding this issue.
And yes, we would love to have you use our application – whenever you do decide to do commerce over mobile 🙂