Welcome to the Niyo Community! 
Thank you for reaching out and sharing your experience with us. We’re truly sorry to hear about the difficulties you’ve faced with the Niyo DCB card, and we completely understand your concerns. This is certainly not the experience we strive to offer, and we sincerely apologize for any inconvenience caused.
Regarding Issue 1, we understand that you’re unable to make payments over 5k, despite your account being active for more than 24 hours. We’ve noted that you were advised by DCB Bank to complete a 5k transaction to unlock higher payment limits, and we apologize for the confusion this may have caused. We’ll escalate this matter internally to get a clearer understanding and work toward a quick resolution.
As for Issue 2, we apologize for the inconvenience with your Indonesia visa payment. We recognize that being asked to switch merchants is far from an ideal solution, especially when you’re preparing for travel. We will investigate this further to understand why the transaction was declined and work to improve the payment experience with our merchant partners.
Additionally, we’d like to clarify that some merchants are flagged as “high-risk” by the bank. In such cases, the bank may restrict payments as a protective measure against potential fraud or other risks. Typically, when attempting payment with high-risk merchants, you may receive a pop-up notification informing you of the risk factor, allowing you to approve or deny the payment. If the payment fails even after approval, it is likely because the bank has deemed the merchant’s risk level to be too high. We sincerely regret the inconvenience this may cause.
Please rest assured that we’re committed to addressing these issues and improving the experience for all our users. We appreciate your feedback, and we will continue working with our team and partners to resolve these concerns swiftly.
Thank you for your understanding and patience. We’re here to support you every step of the way.
