“No debit or credit card from any bank has been restricted by the IRCTC for its acceptance on any of the gateways,” he said. The debit and credit cards of any Indian bank powered by Master or Visa can be accepted at any of the seven gateways of the site, the statement said.
However, he said that the IRCTC has provided a value-added direct integration service to some banks that would allow for quick transactions and reconciliations.
“Since direct integration has an additional cost to the IRCTC, these banks were asked to share a portion of their transaction charges with IRCTC,” he said.
A senior IRCTC official said it was not possible that he could bear the cost of individual linkage with the bank
“IRCTC had asked banks to share revenue earned from online tickets because of these value-added services, but some banks refused,” he said.
The IRCTC has said that if banks are willing to give the installation of zero transaction charges on their debit cards to train ticket customers, then they will give them the facility of direct debit card integration as well.
The statement also said that banks must abide by the RBI’s guidelines regarding transaction costs on debit cards by charging only 0.25 percent on transactions of up to Rs 1,000 and a maximum of 0.5 percent in transactions between Rs 1,000 and Rs 2,000.