IRCTC accept payment via net banking or wallets like Paytm, mobiqwik,etc.

I booked a ticket from Chennai to Tanur ( Place doesn't matter).

Then in the payment screen, wallets are there and also net banking is there but I didn't enabled it with my bank yet. Also no direct credit/debit card option is there.

So, I choose paytm, paid cash and confirmed the reservation. But after sometime, I got a message form paytm that Ticket booking failed, cash is refunded. It may take upto 7 working days for your bank to accept refund.

How to book now?

  • IRCTC has support for a variety of payment options including credit/debit cards. There may be a temporary glitch due to which credit/debit cards were unavailable. You should try again after some time.
    – RedBaron
    Commented Mar 6, 2017 at 8:24
  • credit/debit option is there and I clicked it. But it redirect to paytm and accept cards via paytm gateway (like paypal). No direct accpet. Only using paytm, we can pay it and it fails.
    – i--
    Commented Mar 6, 2017 at 8:27
  • 1
    Sorry but I can see and use the following payment options in my account - "Debit card with PIN", "Payment Gateway/Credit Card". You can choose the options on the left hand side menu. Possibly you are using the first option "Multiple Payment Services" which has Credit/Debit cards/netbanking (Powered by PayTM) and it is failing
    – RedBaron
    Commented Mar 6, 2017 at 8:32

1 Answer 1


IRCTC supports a wide variety of payment options like

  • Debit cards
  • Netbanking
  • Credit Cards (Even international ones)
  • Mobile wallets

You can choose your preferred method on the booking screen, like this

netbanking usage

Possibly, you are using the first option "Multiple Payment Services", which has the PayTM option which is causing you problems.

PayTm option

Simply chose a different payment method from left side menu. For example, using a debit card with PIN gives

debit cards

In case of problems, you can contact IRCTC by e-mail.

  • But normally we are using card with cvv and expiry, then verify OTP via sms
    – i--
    Commented Mar 6, 2017 at 16:57
  • Also, as mentioned in question, netbanking is not suitable for me because, I contacted 2 times my bank already in last year because of forgot password. The procedure to recover password is difficult.
    – i--
    Commented Mar 6, 2017 at 16:58
  • The "debit card with PIN" works like that. You can also choose the payment gateway option where you can choose other payment gateways.
    – RedBaron
    Commented Mar 7, 2017 at 4:18

You must log in to answer this question.

Not the answer you're looking for? Browse other questions tagged .