Vehicle Purchase Tagged as Fuel Expense? Need Legal & Complaint Advice!

[Mightyradhika1597]

M

Mightyradhika1597
PARTICIPANT
March 31, 2025 at 4:45 am

Hi, I want to purchase a vehicle, but the showroom’s QR code is being categorized as a fuel expense. I intended to use my Kiwi credit card for the transaction, but fuel expenses are excluded from its benefits.

Is it legal for a fuel QR code to be used for non-fuel transactions? Also, if the showroom refuses to provide an alternative QR code, where can I file a complaint?

Share

[Monikabear704]

M

Monikabear704
PARTICIPANT
March 31, 2025 at 5:34 am

That is weird. Maybe try contacting the Bank/Card issuer. They might be able to help

Share

[Mightyradhika1597]

M

Mightyradhika1597
OP
March 31, 2025 at 6:14 am

Thanks

Share

[Braveviplav1268]

B

Braveviplav1268
PARTICIPANT
March 31, 2025 at 7:01 am

And why do you think you have the right to demand a certain payment mode?

MDR in those vehicle purchases run into thousands that comes out of dealer’s pocket and that is why they don’t like payments with Credit cards or non rupay debit cards.

That being said, the Merchant code being incorrect is a fraud but that fraud also benefits customers too as a lot of cards have fuel surcharge reimbursement policy.

Share

[Mightyradhika1597]

M

Mightyradhika1597
OP
March 31, 2025 at 7:38 am

I’m asking about a QR code, the MDR for that should be zero right?
The reward for fuel charges are quite negligible. How can I raise my voice against this fraud.

Share

[Braveviplav1268]

B

Braveviplav1268
PARTICIPANT
March 31, 2025 at 7:44 am

Are you paying the QR through credit card? Like credit card by UPI?

Also you raising your voice will make them stop accepting payments via credit cards or they will add an upfront charge to it.

Share

[Mightyradhika1597]

M

Mightyradhika1597
OP
March 31, 2025 at 7:58 am

Yes, I’m paying through UPI credit card, They can’t add upfront charges, they don’t have any component which they can alter.

Share

[Braveviplav1268]

B

Braveviplav1268
PARTICIPANT
March 31, 2025 at 8:04 am

The wrong Merchant code is a problem. They will correct the Merchant code and add surcharge over it. You are free to decline but you cannot force them to take CC. Simple as that.

My friend’s dealership has been doing this from past 15 years. They add surcharge. If you want to pay then pay else leave.

Share

[Mightyradhika1597]

M

Mightyradhika1597
OP
March 31, 2025 at 8:32 am

Registering a UPI QR code under the “Fuel” category instead of the correct merchant category benefits the company rather than the customer. Since UPI QR transactions already have zero MDR, the customer does not gain any additional advantage. However, the company can claim tax benefits by classifying these transactions as fuel-related expenses.

Share

[Braveviplav1268]

B

Braveviplav1268
PARTICIPANT
March 31, 2025 at 8:37 am

No UPI QR transactions on credit cards DO NOT have 0 MDR for businesses exceeding 20 lacs yearly turnover.

Share

[Mightyradhika1597]

M

Mightyradhika1597
OP
March 31, 2025 at 8:33 am

My friend’s dealership has been doing this from past 15 years. They add surcharge. If you want to pay then pay else leave.

Would ITR not be an issue?

Share

[Braveviplav1268]

B

Braveviplav1268
PARTICIPANT
March 31, 2025 at 10:12 am

Why is ITR an issue? The surcharge is in the thousands.

Share

[Megathinker7192]

M

Megathinker7192
PARTICIPANT
March 31, 2025 at 8:45 am

Didn’t know this, definitely should cash this opportunity out

Share

[Author]

Posts