Transaction happened on my SBM Niyo credit card without authorisation. No OTP came. Please resolve.
Welcome to the Niyo Community! 
We’re sorry to hear about the unauthorized transactions that took place in your account. Please allow us some time to review your concern thoroughly and work towards a resolution. In the meantime, we request you to kindly lock the card from the card settings for security reasons.
Just a quick note to let you know that the Niyo community is more than a place to get help with your queries. You can stay up-to-date with all the latest announcements from Niyo, and chat about anything Niyo or travel-related—whether it’s your Niyo card, Niyo services, or any other travel topics.
Plus, it’s the perfect spot to connect with fellow travelers! You can ask for advice on travel itineraries, visa info, tips and tricks, flight bookings, and so much more.
And don’t forget to explore the Travel with Niyo category for even more travel content!
We’re always here if you need anything 
Hi Siddharth,
@NIYOCOMM20250711OHBZ
We tried calling you at 807xxxx762 but couldn’t connect. As per our review, the transaction in question was successfully made to an international online merchant—“PlayStation Network LONDON GB”. Please note that OTP authentication is not mandatory for international merchants, and such transactions can be processed without OTP if the card details are used. If you did not authorise this transaction or haven’t used your card on this site, please email us at global.escalation@goniyo.com from your registered email ID so we can raise a dispute request on your behalf, and please feel free to share with us the ticket ID here..
Hi team,
I have been trying to use Niyo card for payment on the Indonesia visa website, but the transaction is being declined repeatedly.
I tried to make payment from another credit card and that worked, so clearly Merchant is fine, either Niyo card has problem or DCB bank is not allowing for payments to go through.
Can you help resolve this problem? Can someone please explain to me why Niyo DCB payments are failing while other payments are going through?
Regards,
Parnika
Hey @Parnika_Pahwa
Welcome to the Niyo Community!
We sincerely regret any inconvenience this may have caused. Please allow us some time to review your concern thoroughly and work towards a resolution. We truly appreciate your patience and will get back to you with an update at the earliest.
Just a quick note to let you know that the Niyo community is more than a place to get help with your queries. You can stay up-to-date with all the latest announcements from Niyo, and chat about anything Niyo or travel-related—whether it’s your Niyo card, Niyo services, or any other travel topics.
Plus, it’s the perfect spot to connect with fellow travelers! You can ask for advice on travel itineraries, visa info, tips and tricks, flight bookings, and so much more.
And don’t forget to explore the Travel with Niyo category for even more travel content!
We’re always here if you need anything
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Hey @Parnika_Pahwa
Thank you for your time over the call. As discussed, please share the error screenshot at global.escalation@goniyo.com and share the ticket ID here so we can track it and assist you further without delay. We truly appreciate your patience and cooperation!
Hey @Parnika_Pahwa,
Thanks for sharing the requested details via email. We are escalating this, and we will get in touch with you within 24 hours.
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Hi @SuryaK.inc
Thanks for your prompt response on the matter. I was facing some network issues in past 2 days, could you please try and connect with me again?
Would like to highlight issues I see with this transaction. Whenever I had done an international transaction whether online or offline in the past, the original currency is always shown in transaction details on the app along with the converted amount in INR. In this case it should show GBP if this was a London website but it is not.
Also, I have raised a ticket with SBM bank via mail as soon as I received the transaction notification on 11th July but not received any response yet. Should I raise a ticket on Niyo as well to resolve the issue?
Hi Siddharth,
@NIYOCOMM20250711OHBZ
Thanks for reaching out. We will surely reach out to you regarding your transactions shortly.
Hi Siddharth,
@NIYOCOMM20250711OHBZ,
Thank you for your time on the call. As discussed, we see that SR1695369 has already been raised with SBM Bank from your end regarding the unauthorized transaction on your Niyo SBM Credit Card. However, as requested, please email us at global@goniyo.com so we can register and escalate the concern from our end as well to initiate the dispute process.
Hi @SuryaK.inc
Have raised a request on Niyo email id as discussed. The ticket no. is 206880.
Thanks again for reaching out so quickly.
Regards,
Siddharth
Hey SIDDHARTH
Thank you for sharing the ticket ID. Kindly allow us a window to review your concern and assist you further. We request your patience till then.
Hey @Parnika_Pahwa
We tried calling you but unfortunately couldn’t connect 
Just to keep you informed — the issue you’re facing is due to the Bali VISA payment portal not accepting some Indian-issued cards at the moment. This isn’t specific to your card; many users are experiencing the same challenge.
But don’t worry! 
Your Niyo card works seamlessly in Bali — thousands of customers have used it without any issues for travel, shopping, and dining. Our team is already in touch with the Bali VISA merchant to help enable smooth acceptance of Indian cards, but it might take a little time. We’ll be sure to keep you posted with any updates! 
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Thank you so much for the investigation and next steps, this is super helpful!
1 Like
Hey @Parnika_Pahwa
You’re most welcome! We’re glad the information was helpful. If you need any further assistance or have more questions, feel free to reach out anytime — we’re here for you!
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Hey @Aabhas96
Thank you for your time on the call and for confirming that the funds have been successfully reversed. We truly appreciate your patience and cooperation throughout the process. If you need any further assistance, feel free to reach out — we’re always here to help!
Hi @Ansh_Sharma, @Hardik_Raj, @Aditya_Kalra,
We’d like to inform you that the refund for your ATM transaction was successfully credited on 27th June. The associated ticket (CS1706376) with DCB Bank has also been closed. Kindly check your account statement to confirm the credited amount. It’d be great if you could confirm it with us here.
Hey @Suhas_B_M
We tried reaching out to you but were unable to connect. As per the confirmation received from DCB Bank, the funds have been successfully reversed on 02 January 2025. We request you to kindly check and confirm the same at your convenience.
We sincerely appreciate your patience and cooperation throughout the resolution process. Should you require any further assistance, please don’t hesitate to reach out — we’re here to help. 
I was booking for a flight from Mumbai to Delhi and I selected dates from 1 August to 2nd August,but after the payment the ticket showed different dates that was 1st August and return date was 3rd August ,I tried to tell them that this was injustice I selected for 2md August and your site made a mistake of putting that as 3rd August ,their whatsapp chat support is thrash ,their premium isn’t on the level which I thought cause I took niyo premium membership but still I wasn’t getting any benefits at all ,when I try to cancel the tickets after furstation they were only giving me 40 percent of my money ,this is total injustice,so please if any executive is there help me
