What is the official website of the payment service?
https://www.cityunionbank.com
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Where can I find the customer support contacts?
Customer support contacts can be found on the "Contact Us" page of the official website.
What is the hotline phone number?
044-7122 5000
Is there a toll-free support number?
Toll-free number available as 1800-425-2407 for customer queries.
What is the email address for technical support?
Are there separate emails for different types of inquiries?
Yes, separate email addresses may exist for different departments such as loans, cards, and customer support.
Where can I find the online chat support?
Online chat support is typically located on the official website's homepage or contact section if available.
Does the chat support work 24/7?
Chat support is usually operational during standard business hours, but availability may vary depending on staffing.
Is there support through messengers (Telegram, WhatsApp)?
Many banks offer support via WhatsApp; City Union Bank provides WhatsApp Banking at +91 44 7122 5000.
What are the support working hours?
Support is generally available Monday to Saturday, 10:00AM to 6:00PM, with variations depending on department.
Does support work on weekends and holidays?
Many services operate on Saturdays; limited or emergency support may be available on holidays and weekends.
Are there regional offices for in-person visits?
Major cities typically provide branch offices for in-person customer service and banking.
Where are the physical offices located?
Head office is at 149, T S R Big Street, Kumbakonam, Tamil Nadu; branches are available across India.
Can I schedule a personal meeting?
Personal meetings can be scheduled by contacting your nearest branch or using online appointment request forms.
Are there representatives in different countries?
City Union Bank operates only in India; international representatives are not common.
In which languages is support available?
Support is available in English, Hindi, and various regional Indian languages.
How quickly does support respond to requests?
Response times range from immediate for phone/chat to 24–48 hours for emails depending on complexity.
Is there a priority system for VIP clients?
Banks often provide priority service and dedicated relationship managers for high-net-worth or VIP clients.
Can I request a callback?
Callback options are usually available via website forms, customer portals, or by phone request.
When was the payment service founded?
Founded in 1904 as City Union Bank Ltd.
Who is the founder and owner of the service?
Founded by prominent businessmen of Kumbakonam; ownership is now public with major stakeholder institutions.
What is the development history of the payment service?
Originated as 'The Kumbakonam Bank Limited' in 1904, renamed City Union Bank Ltd in 1987; expanded nationally over decades.
Have there been major updates or rebranding?
Renamed City Union Bank Ltd in 1987; expanded digital and payment offerings with technology updates since 2000s.
Who sits on the company's board of directors?
The board comprises senior professionals; details are publicly listed on the official website under "Board of Directors."
Are there investors or partners in the service?
Investors include institutional shareholders, mutual funds, and the public; partnerships with major payment networks.
Does the company participate in stock trading?
Yes, City Union Bank is publicly traded on the Bombay Stock Exchange (BSE) and National Stock Exchange (NSE).
What is the company's market capitalization?
Market capitalization is variable; as of August 2025, estimated near ₹14,000 crore.
Are there subsidiary companies or branches?
City Union Bank operates banking branches nationwide but does not have subsidiary companies.
What licenses does the payment service have?
Licensed by Reserve Bank of India (RBI) as a scheduled commercial bank, supporting various payment and financial services.
In which jurisdictions does the service operate officially?
City Union Bank is authorized to operate in India.
Are there licenses for cryptocurrency operations?
Indian banks currently do not hold licenses for direct cryptocurrency operations.
Does the service comply with AML/KYC requirements?
Yes, strict adherence to Anti-Money Laundering (AML) and Know Your Customer (KYC) protocols as per RBI norms.
Are there security certificates (PCI DSS, etc.)?
Payment systems are PCI DSS compliant, and secure transaction protocols are implemented as industry standards.
Has the service undergone security audits?
Regular IT and security audits are mandated by regulatory authorities and internal policies.
Is there insurance for client funds?
Deposits are insured as per Indian Deposit Insurance and Credit Guarantee Corporation (DICGC) rules, up to ₹5 lakh per account.
Which international standards does it comply with?
Compliance with ISO standards, PCI DSS, RBI digital banking norms, and international banking best practices.
Have there been any regulatory fines or violations?
Any major fines or violations are publicly disclosed by regulators, with remedial actions taken; no recent major penalties.
Where can I find real reviews about the service?
Real reviews can be found on Google Reviews, Trustpilot, and Android/iOS app store pages.
What are the main user complaints?
Main complaints involve online transaction downtime, customer support waiting times, and website/app slowdowns during peak hours.
What do users most often praise the service for?
Users appreciate responsive branch banking, reliable mobile app, digital services, and personalized customer relationship.
Are there issues with fund withdrawals?
Occasional withdrawal delays due to server or compliance checks are reported but resolved with standard banking protocols.
Is the interface convenient according to users?
The web and mobile interfaces are generally considered convenient, stable, and easy to navigate by most users.
Are clients satisfied with transaction speed?
Transaction speeds are typically rated as fast and reliable, with minor delays during system upgrades or peak times.
Do users recommend this service?
A majority recommend the bank for its traditional reliability, digital adaptation, and broad support network.
How do experts assess the service's reliability?
Experts note strong operational standards, good compliance, and robust payment platform integration, affirming reliable performance.
Are there industry awards and recognitions?
City Union Bank has received industry awards for banking excellence, innovation, and digital transformation initiatives.
Does the service participate in payment system rankings?
Yes, regularly ranked in Indian banking sector payment service listings and customer satisfaction surveys.
Are there recommendations from financial regulators?
Regulator recommendations highlight good compliance, effective AML/KYC, and customer protection standards adherence.
What reputation does the service have among partners?
Partners rate City Union Bank as trustworthy, collaborative, and technologically adaptive for business clients.
How do they evaluate solution innovation?
Recognized for innovations in mobile banking, payment systems, and integration with digital and UPI platforms.
Are there quality service certificates?
Holds certifications for quality management, security standards, and adherence to regulatory service norms.
Does the company participate in industry conferences?
Actively participates in Indian banking conferences, fintech summits, and payment system industry events.
How does the service position itself in the market?
Positioned as a customer-centric, digitally adaptive regional bank with strong physical and online presence.
Which fiat currencies does the service support?
Indian Rupee (INR) is the supported fiat currency.
Are cryptocurrencies supported? Which ones specifically?
Cryptocurrencies are not directly supported as payment methods by City Union Bank.
Is there a proprietary cryptocurrency or token?
No proprietary cryptocurrency or digital token is offered.
Can currencies be converted within the service?
Currency conversion is offered for international transactions at select branches as per Indian banking regulations.
What exchange rates are used for conversion?
Rates are based on current interbank rates, adjusted per RBI guidelines and market fluctuations.
How often are exchange rates updated?
Exchange rates are updated daily or as markets fluctuate for international transaction services.
Are stablecoins supported?
Stablecoins are not supported on this platform.
Can exotic currencies be handled?
Limited support for select foreign currencies is available for international remittance at designated branches.
Are there currency restrictions in different countries?
Currency services are subject to RBI and government restrictions based on country-specific regulations.
What types of transfers does the service support?
Supports NEFT, RTGS, IMPS, UPI, intra-bank, and interbank payments in India.
Can transfers be made between service users?
Yes, internal transfers between City Union Bank accounts are supported.
Are transfers to bank cards supported?
Transfers to bank cards are typically done via NEFT or IMPS to linked accounts.
Can money be transferred to bank accounts?
Yes, funds can be transferred to external bank accounts within India via NEFT, IMPS, RTGS, and UPI.
Is bill payment available?
Bill payments for utilities, telecom, and other services are integrated via online and mobile banking.
Are recurring payments supported?
Recurring payments can be set up via standing instructions or through the mobile/internet banking platform.
Can automatic transfers be set up?
Automated transfer scheduling is available via standing instructions and regular payment setups.
Is payment scheduling available?
Payment scheduling is supported for future-dated payments via online and mobile banking.
Are group payments supported?
Group payments are usually handled through business banking solutions and payroll services.
Can payment links be created?
Payment link generation is available for merchants using integrated e-payments and business platforms.
What are the minimum transaction amounts in the service?
Minimum transaction amount varies by transfer type, generally starting from ₹1 for UPI and ₹10 for NEFT/IMPS.
What are the maximum amounts that can be transferred?
Maximum limits depend on method: IMPS up to ₹2 lakh, NEFT/RTGS unlimited, UPI up to ₹1 lakh per transaction.
Are there daily limits on operations?
There are daily transaction limits per transfer method and account type, defined in the terms & conditions.
What monthly and annual limits are in effect?
Limits are set by RBI regulations and depend on account type; special limits for payment methods or large transactions.
Can limits be increased? How?
Limits can be increased through application, review, and enhanced KYC/verification procedures at branches.
Do limits differ for verified users?
Verified users (with full KYC) typically have higher transaction limits than non-verified or basic accounts.
Are there restrictions for new accounts?
New accounts may have lower limits and certain restrictions pending completion of full verification and activation.
Do special limits apply in different countries?
Limits comply with Indian regulations and may vary for international inward/outward remittances.
Can operations be temporarily blocked?
Accounts and operations can be temporarily suspended for suspicious activity, regulatory reviews, or user request.
Are there limits on the number of daily operations?
Banks may restrict number of daily operations per user to prevent misuse or comply with regulatory mandates.
What are the minimum amounts for account funding?
Minimum initial deposits vary by product, typically from ₹500 for savings or ₹1,000 for current accounts.
What methods of funding are supported?
Funding is possible via cash deposit, cheque, NEFT, RTGS, IMPS, UPI, and online transfers.
Are there fees for funding?
No fees for most funding options; cheque and cash deposits are usually free.
What are the minimum funding amounts?
Minimums depend on account type; commonly ₹500 to ₹1,000 for personal banking products.
How quickly are funds credited when funding?
Funding via cash or digital channels is typically credited instantly or within a few hours.
How can money be withdrawn from the system?
Withdrawals can be made via branch, ATMs, internet/mobile banking, or cheque.
Are there fees for fund withdrawal?
Bank does not typically charge for cash withdrawals; fees may apply to ATM withdrawals above free limits.
How long does withdrawal take?
Instant at branches/ATMs; 2–24 hours for digital/outward transfers depending on method.
What withdrawal limits are set?
ATM withdrawal limits are ₹25,000 to ₹50,000 per day depending on card type; higher limits for verified users.
How quickly are funds credited when funding with a card?
Card funding is credited instantly or within a few minutes.
How long does a bank transfer take?
NEFT: up to 2 hours, RTGS: instant, IMPS: instant, UPI: instant; depends on channel usage.
How quickly do cryptocurrency transfers arrive?
Cryptocurrency transfers are not supported by City Union Bank.
Are transfers between users instant?
Transfers between users within City Union Bank are processed instantly or within minutes.
Are there delays when funding on weekends?
Digital funding (UPI/IMPS) usually works instantly, but some methods may face delays over weekends.
Do holidays affect funding speed?
Funding via branch or NEFT may be delayed on bank holidays; instant methods may remain available.
Can crediting be accelerated for a fee?
Express crediting is generally not offered for personal banking; business clients may have specific arrangements.
What determines the speed of funding processing?
Method used, time of day, verification status, and regulatory/holiday schedules affect speed.
Are there notifications about funding status?
Push/SMS/email notifications are provided for all successful and failed funding activities.
What to do if funding takes too long?
Contact customer support, check transaction status in banking portal, submit a complaint if unresolved.
How quickly are withdrawal requests processed?
Digital withdrawal requests are processed instantly; manual or branch requests within same business day.
How long does card withdrawal take?
ATM/card withdrawals are immediate; unlinked card withdrawal processes may take additional time.
How quickly do bank transfers arrive?
UPI/IMPS/RTGS transfers typically arrive instantly; NEFT may take up to two hours.
Are cryptocurrency withdrawals instant?
Cryptocurrency withdrawal services are not available.
Are there withdrawal delays on weekends?
ATM and digital withdrawals are instant; some branch-dependent channels may be delayed.
Do holidays affect withdrawal speed?
Digital withdrawals unaffected; branch/cheque-based withdrawals may be delayed.
Can withdrawal be accelerated for an additional fee?
Accelerated withdrawal not standard for retail clients; may be available for business arrangements.
What determines withdrawal processing time?
Channel used, verification, amount, holiday and business hours, and regulatory processes.
Are there notifications about withdrawal status?
Withdrawals trigger notifications via SMS, email, or app push alerts to inform users.
Can a withdrawal request be canceled?
Cancellation is possible via online banking for pending transfers; completed transactions cannot be reversed.
How to register with the payment service?
Registration requires visiting a branch or applying online with valid ID, address, and phone number.
What data is needed to create an account?
Full name, date of birth, address, phone, email, PAN, Aadhaar, and reference documents.
Can registration be done without email?
Email is recommended but not strictly mandatory; phone number is always required for registration.
Is phone confirmation required during registration?
SMS or call-based phone verification is typically required during account opening.
Are there age restrictions for registration?
Minimum age for personal bank accounts is 18; minors can open guardian-supported accounts.
Can a corporate account be created?
Corporate accounts are offered; require documentation for business entity, authorized signatories, and PAN.
Is it required to provide real data?
Only genuine, verifiable documents and information are accepted under KYC rules for registration.
Are there country restrictions for registration?
Only Indian residents and eligible NRIs (Non-Resident Indians) can open accounts.
How long does account activation take?
Account activation takes 1–3 business days after documentation and initial deposit.
What verification levels exist?
Verification includes basic KYC, enhanced KYC for higher limits, and corporate/business verification tiers.
What documents are required for basic verification?
Aadhaar, PAN card, proof of address, and photograph are required for basic account verification.
Are documents needed for full verification?
Full verification may require additional documents such as income proof, utility bills, and business registration.
Are digital copies of documents accepted?
Digital document submissions are generally accepted provided they are clear and authentic.
How long does the verification procedure take?
Verification generally takes 1–3 business days depending on volume and branch workload.
Can the service be used without verification?
Limited services may be available pre-verification; full access requires completion of KYC.
What restrictions apply to unverified users?
Restrictions include lower transaction limits, inability to access certain features, and limited account access.
Is address confirmation required?
Address confirmation using valid documents is mandatory for all account holders.
Is a selfie with documents required?
Selfie or video KYC may be required for remote verification and digital onboarding.
How often do documents need to be updated?
Documents are updated as mandated, typically every few years or when major details change.
What encryption technologies does the service use?
Banks use TLS/SSL encryption standards for transactions and data security.
Is two-factor authentication supported?
Two-factor authentication via OTP/SMS is supported for online and mobile transactions.
Are there SMS confirmations for operations?
SMS confirmations are provided for most transaction and authentication activities.
Is biometric authentication supported?
Biometric methods (fingerprint, facial recognition) may be supported on mobile app and at select ATMs.
Is blockchain technology used?
Blockchain is not currently used for retail banking or payment services.
Is there a multi-level security system?
Multi-level security includes encryption, authentication, fraud detection, and layered access controls.
How is user personal data protected?
Personal data is protected via encryption, limited access, privacy policies, and strict regulatory compliance.
Is cold storage used for cryptocurrencies?
Not applicable; bank does not handle cryptocurrencies.
Is there DDoS attack protection?
DDoS protection and mitigation solutions are implemented as part of network security protocols.
Are regular security audits conducted?
Regular security audits are mandated internally and by third-party agencies as per RBI requirements.
What anti-phishing protection measures are provided?
Education, alerts, site security, and verification systems protect against phishing attacks.
Is there a suspicious activity detection system?
Automated systems monitor for fraud, account misuse, and suspicious transaction patterns.
How does the service combat money laundering?
AML measures include transaction monitoring, reporting, and compliance checks with regulatory authority.
Is there blocking of suspicious accounts?
Suspicious accounts are blocked or frozen after investigation per regulatory and internal policies.
What to do when fraud is detected?
Contact the bank immediately, report the transaction, submit a fraud claim, and verify account security.
How to report suspicious activity?
Use customer support hotlines, email, online banking, or branch visit to report suspected fraud or unusual activity.
Is there compensation for damage from fraudsters?
Compensation depends on investigation outcome, insurance terms, and bank policy; eligible claims are reimbursed.
What user rights exist for disputed transactions?
Users have the right to dispute transactions, request reversal, and pursue resolution via ombudsman.
How to dispute account blocking?
Contact support, submit documentation, and request review; regulatory escalation may be possible.
Is there insurance against cyber attacks?
Cyber security insurance is typically held by the bank, covering organizational risk, not individual accounts.
What fees does the service charge for transfers?
Fees depend on type (NEFT, RTGS, IMPS) and amount; UPI usually free for retail customers.
Are there fees for account funding?
Most funding methods are free; exceptions may apply to specific channels or products.
Are fees charged for fund withdrawal?
ATM withdrawals above free monthly limit incur charges; no fee for branch withdrawals.
Are there fees for currency conversion?
Standard currency conversion fees and commissions are applied for forex transactions.
Are there fees for account inactivity?
Account inactivity fees are uncommon; dormant accounts may have minimum balance charges.
Are there account maintenance fees?
Maintenance charges apply to certain account types and business products; savings accounts may be free.
Are fees charged for operation cancellation?
Some operations, like cheque stop payment, may incur fees; simple fund transfer cancellations are usually free.
Are there hidden fees?
Fee disclosures are part of account documentation; banks are required to be transparent and upfront about all charges.
How are fees calculated for large amounts?
Fees are calculated based on slab rates; larger transactions may attract higher absolute but lower percentage charges.
Are there different tariff plans in the service?
Multiple account and service tariff plans exist for retail and business banking, detailed on the website.
What advantages does VIP status provide?
VIP clients have access to dedicated support, higher transaction limits, preferential rates, and exclusive offers.
How to get preferential conditions?
Preferential terms may be negotiated based on account type, relationship history, or meeting specified requirements.
Are there free operations per month?
Most savings accounts offer free ATM withdrawals and transfers up to monthly limits.
Are there discounts for active users?
Banks may provide discounts on charges for active accounts or promotional discounts for high-usage clients.
Are there corporate tariffs?
Corporate and business accounts have tailored tariff plans for bulk payments and advanced services.
Can individual conditions be obtained?
Individualized terms are possible for business, high-net-worth, or priority clients as per negotiation.
Do promotional codes work for fee reduction?
Promotional offers and codes may apply during specific campaigns or new product launches.
Are there cashback programs?
Cashback may be offered on debit/credit card usage, merchant offers, or special events.
Are there discounts for transaction volumes?
Volume discounts apply to business bulk payments and high-value clients by arrangement.
Is there an official mobile application?
Yes, "City Union Bank Mobile Banking" is available.
On which platforms is the application available?
Available on Android and iOS platforms.
What functions are available in the mobile application?
Account management, fund transfers, bill payments, UPI, transaction status, card controls, and notifications.
Does functionality differ from the web version?
Mobile app offers most web features, but advanced settings, documentation, and business tools are web-based.
Is Touch ID/Face ID supported?
Touch ID or Face ID is supported on compatible devices for secure login.
Can the application work offline?
Core functions require online access; offline options are limited to statement viewing and some alerts.
Are there push notifications about operations?
Push notifications for transactions, status alerts, and security updates are supported.
Is dark theme supported?
Dark theme is available in the latest versions of the mobile app.
How often is the mobile application updated?
Updates are released regularly, typically quarterly or with major security or feature upgrades.
Are there beta versions of the application?
Beta programs may be run occasionally for feature testing; details are communicated on official website or app stores.
Is the web interface of the service convenient?
Web interface is user-friendly, with easy navigation, informative dashboards, and clear transaction workflows.
Is responsive design supported?
Responsive design ensures usability on mobile devices, tablets, and desktops.
In which languages is the interface available?
Interface is available in English and several regional Indian languages.
Is there a night mode for the website?
Night or dark mode is available in newer web designs.
Are hotkeys supported?
Limited hotkey support for accessibility on web platform is available.
Can data be exported?
Data export functions support statement downloads in PDF, Excel, and CSV formats.
Is there an API for developers?
APIs for integration with business and merchant partners are available on request.
Is integration with other services supported?
Integration with payment gateways, UPI, and merchant platforms is supported.
How often is the web interface updated?
The web platform is updated several times a year with new features and security enhancements.
Are there virtual cards in the service?
Virtual card options may be available for select customers and online operations.
Can disposable cards be created?
Disposable or temporary cards are not widely issued; some online payment options exist.
Is multi-currency account functionality supported?
Multi-currency accounts are not standard; forex services offered for travel and remittance.
Are there investment products?
Investment options include fixed deposits, mutual funds, and government bonds.
Can interest be earned on balance?
Interest accrues on savings and deposit balances as per RBI and bank policy.
Are there credit products?
Credit products include personal loans, business loans, home loans, and overdraft facilities.
Is P2P trading supported?
Peer-to-peer trading is not supported; only standard banking and payment services are offered.
Can cryptocurrencies be bought/sold?
Cryptocurrency trading is not offered by City Union Bank.
Is there acquiring for business?
Merchant acquiring and payment gateway services are available for business clients.
Are mass payouts supported?
Bulk payment and payroll processing options are available for business accounts.
Is there a loyalty program in the service?
Loyalty programs may be available for cardholders and specific bank campaigns.
How are bonus points earned?
Bonus points are earned via eligible card transactions, promotional usage, and select reward programs.
Is there cashback for operations?
Cashback rewards are offered for card transactions, merchant payments, and specific campaigns.
Are there referral programs?
Referral programs incentivize new customer registration and account activation.
What privileges do VIP clients have?
VIP benefits include dedicated managers, better rates, higher limits, and exclusive product access.
Are there seasonal promotions and offers?
Seasonal, festive, and special occasion offers are regularly provided for retail clients.
Can premium status be obtained?
Premium account status is granted based on relationship, deposit volume, or via application.
Are there partner discounts?
Partner merchant programs offer discounts on services for cardholders and bank clients.
Are there corporate loyalty programs?
Corporate loyalty channels are available for business clients subscribing to services.
Does the service allow operations with online casinos?
Transactions with online casinos are generally restricted due to regulatory policy.
Are there restrictions on gambling transactions?
Gambling transactions are blocked or limited in compliance with Indian regulatory frameworks.
Can accounts be blocked for casino play?
Accounts may be frozen or blocked if suspected of gambling-related activities or regulatory breaches.
How does the service view gambling?
Gambling is not supported, as per RBI and government guidelines prohibiting certain transactions.
Are there special conditions for gambling?
No special conditions; such transactions are typically declined or restricted by system.
Are casino transactions tracked?
Casino transactions are monitored and flagged for compliance review.
Can operations with gambling sites be hidden?
Payments to gambling merchants are subject to regulatory transparency; concealment is not supported.
Are there notifications about gambling expenses?
Notifications and alerts can inform users if gambling transactions are attempted or detected.
Are there special fees for gambling operations?
No special fees; transactions may be declined per official banking policy.
Can limits be set on gambling?
Spending controls can block or limit gambling-related transactions if the bank supports such functionality.
Is there a self-exclusion function?
Most Indian banks do not provide formal self-exclusion; users can request transaction blocking.
Can access to gambling sites be restricted?
Gambling site payment blocking can be configured in line with legal and regulatory requirements.
Is gambling expense control supported?
Expense tracking and control tools may assist users in monitoring and controlling spending.
Are there notifications about limit exceedance?
Users receive alerts if transaction or spending limits are exceeded.
Can operations with casinos be blocked?
Blocks on casino-related operations are implemented per compliance and user request.
Is there gambling expense statistics?
Basic analytics of transaction categories may be available; dedicated gambling stats are not standard.
Is a "cooling-off period" supported?
Cooling-off for gambling activity is not a standard feature in Indian banking.
Can help be obtained for gambling addiction?
Bank staff may refer clients to public support organizations for counseling and assistance.
Is there partnership with player assistance organizations?
Indian banks generally do not have direct partnerships for gambling addiction intervention.
How to set up gambling expense notifications?
Notifications for spending categories can be configured in app settings or by contacting customer support.
Which online casinos accept this payment method?
Major Indian online casinos do not accept direct bank payments; most payment gateways block such transactions.
Are there exclusive partnerships with specific casinos?
No exclusive partnerships due to regulatory restrictions.
Do conditions differ when used in different casinos?
Payment conditions may vary by casino policies and national regulatory compliance.
Are there special bonuses for using this method in casinos?
Bonuses for casino transactions are not offered.
Can the method be used for both deposits and withdrawals in casinos?
Casino payment and withdrawal is restricted; most are declined.
Are there geographic restrictions for casino usage?
Strong geographic and regulatory restrictions apply for gambling transactions in India.
How do casino operators typically process transactions from this method?
Casino operators generally use payment aggregators, not direct bank transfers, due to regulations.
Are there typical processing times when used with casinos?
Such transactions are usually denied, resulting in non-completion or reversal.
Do casinos usually charge additional fees for this method?
Casino-specific fees do not apply as transactions are typically blocked.
Are there any known compatibility issues with major casino platforms?
Compatibility is limited, with most major platforms not supporting Indian direct bank payments.