I am new customer to your services DCB debit card and let me make it a clear point that your inapp support team is inefficient enough to help/assist the clients.
1- They do not understand what the problem is.
2- They are not interested to understand the customer pain point.
Issue 1 - Even after waiting for more than 24hours (it’s been 30 hours now) I am not able to make payments of more than 5k. Somehow your system still thinks my account has not been active for more than 24 hours. When reached out to in app support they are not able to understand the issue and provide details to why it is happening, forget resolution.
Then I tried calling the DCB Bank, as per them I had to make a total of 5k transaction only then the next limit of 1 lakh would become available that too I will have wait for next 24 hours after doing transaction of a total sum of 5k.
Issue 2 - Tried to make a payment for Indonesia visa and the the transaction was declined with no clear message to why this would happen. When reached out to the inapp support team they mentioned that there is an issue with the merchant accepting the DCB payments and asked to use a different merchant. Really you are telling your customer to switch to a different merchant how is this a resolution?
This puts me in a risk of travelling with a forex card that literally had no support and services of which are not reliable at all.
Would you be open to list out the name of merchants your services have issues with so that your customers are not left in wandering situation travelling abroad.
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.
We understand the urgency of your situation, and we want to assure you that we’ve already escalated your issue to the concerned team for further investigation. Please allow us some time to get this checked, and we will keep you updated on the progress.
We truly appreciate your patience and are doing everything we can to resolve this as quickly as possible.
Thank you for confirming that you’ve received a call from the DCB Bank support team regarding the issue you’re facing.
As per the latest update from the bank, a request has been raised to address the issue, and the ticket number for your case is CS1485951. The expected resolution time (ERT) is 14th November 2024.
We understand that this situation may be causing inconvenience, and we kindly request your patience until the mentioned resolution timeframe. Rest assured, we are closely monitoring the progress to ensure a prompt resolution.
We certainly understand, although the issue has been marked as resolved, we understand that the payment limit problem persists. We request you to kindly wait until the estimated resolution date shared above, as support team is actively working to resolve it.
I ordered something online using the Niyo Global Credit Card.
The seller on that platform sent me a completely different item and sent a sorry note with the item stating that what I ordered they didn’t have in stock so they sent me this.
I opened a dispute on the platform - The seller promised a refund but I didn’t get it. They waited for buyer protection to run out.
Keep in mind this was done through Paypal.
I contacted paypal - They said nothing can be done - It’s been past 30 days ask the bank to refund this transaction as this is a clear case of fraud.
I emailed Niyo - But I have never heard back from them, its been quite sometime now.
Thank you for reaching out and sharing your experience. We’re sorry to hear about the inconvenience with your recent transaction. Please DM us your ticket ID so we can locate your case and assist you promptly.
Ensuring a resolution for issues like this is important to us, and we want to make sure you’re supported every step of the way. Rest assured, once we have the ticket ID, our team will review the details and work with you to find a solution. We look forward to helping you resolve this.
Today I have added 50k +25k +10k. First two transactions amount added immediately…but 10k is not reflected but I can see status is like payment initiated and I have got message that payment got credited.
We tried reaching out but couldn’t connect . In most cases, the funds gets credited within 24-48 hours, so we kindly ask you to wait until then. If there are any delays, please feel free to write back—we’re here to assist!
Hi team,
For some reason my transactions are getting declined,
I did a online transaction today, I was taken to the OTP page I and also entered the OTP but it showed transaction decline, I did this twice the same thing happened to me.
I also did a POS transaction today, money was debited and refunded back to me but why are my transactions getting declined in the first place.
We’re really sorry to hear about the trouble you’re facing. Could you please send us a DM with a screenshot of the error? This will help us dive into the issue right away and get it resolved for you.
Don’t worry, we’re here to help and will prioritize this for you.
This is regarding my 3 international transactions( USD 48.91X3= 146.73) that happened on 2 Nov around 8pm USA time. All 3 transactions failed at merchant and money debited from my DCB account. For all 3 times money is not received by merchant. Attached is transaction history.
Kindly initiate refund as possible as the amount is huge and it is very concerning to me
Thank you for reaching out regarding the unsuccessful international transactions. We deeply regret the hassle and distress this has caused, especially given the significance of the amount involved. We understand how important it is to have clarity and prompt support in such matters.
Upon reviewing your case, we confirm that our team has escalated the issue with the bank, and the reference ID for this matter is CS1479996. As per the standard procedure for international refunds, the estimated resolution timeline (ERT) is set for 18th December.
We want to assure you that we’re closely monitoring this case, and we’ll make every effort to expedite the process as much as possible. You will receive further updates directly on your registered email ID.
. In most cases, the funds gets credited within 24-48 hours, so we kindly ask you to wait until then. If there are any delays, please feel free to write back—we’re here to assist! 
We’re really sorry to hear about the trouble you’re facing. Could you please send us a DM with a screenshot of the error? This will help us dive into the issue right away and get it resolved for you. 
