I’m facing an error while making a credit card payment, and it’s causing overdue bills. Can you please help fix this problem as soon as possible? Thanks.
Welcome to the Niyo Community! 
We’re sorry to hear about the trouble you’re facing, but not to worry—we’re here to assist! Please use the following link for bill payment: https://pay.billdesk.com/cardnet-instapay/sbmcard. If you continue to experience any issues, kindly share a screenshot of the error at global.escalation@goniyo.com
Alternatively, you can also use a third-party app like CRED or Mobikwik to pay your bill using any bank account. We’re here to help ensure everything goes smoothly.
Thank you!
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