FAQ’S ON IRCTC PAYMENT GATEWAY
1. WHAT IS PAYMENT GATEWAY?
Many websites facilitate online booking of Air tickets, purchase of Movie tickets, shopping etc., wherein after your purchase, for paying the bill you have options like credit card, debit card, internet banking a/c etc., as your mode of payment. This payment option in a website is called "payment gateway". In IRCTC (Indian Railways Catering & Tourism Corporation Ltd.) website, Karnataka Bank's Internet banking facility MoneyClickTM is one of the payment gateways for making payments for Railway Tickets booked online.
2. HOW TO BOOK TICKETS THRO' IRCTC?
To book railway tickets online, you have to get connected to the IRCTC web-site either by directly logging on to www.irctc.co.in or through a link that is made available on our web page www.karnatakabank.com when connected through net. First time when you log in to the IRCTC site, you have to register yourself with a User Name and a Password of your choice. The same User Name and Password should be used for your future login and booking of tickets. Once registered, you can book tickets as per your requirement by selecting the relevant options.
3. WHAT TYPES OF TICKETS CAN BE BOOKED THRO'NET?
In IRCTC, you will be able to book tickets in two ways.
a. I-ticket: An i-ticket refers to the normal Internet ticket, which IRCTC will courier to you at the address given by you while logging, which ticket you will receive at your doorstep in 2-3 days. For i-ticket you have to book a ticket at least three days prior to the date of journey to enable its delivery by courier. It can be booked under Confirmed/RAC/Waitlisted ticket status.
b. E-ticket: An e-ticket can be booked up to the time of the preparation chart for your train. This will require entering the identity particulars of one of the passengers, who will have to carry the same ID card while traveling. An
e-ticket can be booked only if the ticket status is Confirmed or RAC.
4. HOW TO EFFECT THE PAYMENT TO INDIAN RAILWAYS?
After booking the tickets, you have to go to payment option. In the payment menu there is a list of various payment gateways as already mentioned and when you select MoneyClickTM, you will be taken to the MoneyClickTM login page. After logging in to MoneyClickTM, you can select your account to be debited and the transaction will take place as in the case of a normal fund transfer. Here it is recommended that you shall go thro’ the Terms & Conditions governing the usage of this payment gateway.
5. WHAT ARE THE CHARGES TO BE PAID FOR THIS ONLINE BOOKING & ONLINE PAYMENT?
This special service is offered with service charge of Rs.10/- applicable per transaction, by your family bank. The system will debit the amount, inclusive of the IRCTC / courier charges, as mentioned on the IRCTC screen, for the tickets you have booked. Online debit of your account and credit to the IRCTC account will take place instantaneously. You will get a confirmation of the payment made, along with a reference number, which is to be retained by you for any further enquiry.
6. HOW TO GET THE PHYSICAL TICKETS?
In case of I-ticket, you will receive the tickets directly from IRCTC through courier at the address mentioned by you in the IRCTC site, within 2 or 3 working days.
7. HOW TO CANCEL THE I-TICKETS AND GET REFUND?
Cancellation of I-Tickets can be done at any computerized reservation counter across the country and a cancellation ticket obtained. NO CASH REFUND will be given. Service Charge is not refundable. Refund of fare shall be made after deduction of cancellation charge. The refund amount will be credited to the respective account electronically through MoneyClickTM route. I-tickets can be cancelled even after the departure of the train, but subject to terms & conditions of IRCTC.
8. HOW TO CANCEL THE E-TICKETS AND GET REFUND?
E-tickets (Reservations) can be cancelled only through Internet till Chart preparation of the train and cancellation is not allowed at the Railway Counters. If you wish to cancel your E-ticket, you can do so till the time of chart preparation for the train (which is normally 4 to 6 hours before the scheduled departure of the train from the train originating station. (For trains starting up to 12 noon the chart preparation is usually done on the previous night). You can log on to www.irctc.co.in and go to Booked Tickets link and select the ticket to be fully or partly cancelled and can initiate the cancellation by selecting the passengers to be cancelled. However if the Identity Card holder in the original ticket is selected for cancellation, all the passengers in the ticket would be cancelled and a fresh reservation will have to be made, duly including the ID particulars of another passenger. Cancellation would be confirmed online and the refund would be credited back to the account used for booking as for normal Internet tickets. If there is any partial cancellation of ticket please ensure that the modified ticket (Electronic Reservation Slip) is printed separately. Modification on e-Tickets such as change of boarding point, change of Name is not permitted.
9.WHILE BOOKING, THE AMOUNT IS DEBITED BUT TICKET NOT BOOKED. WHAT SHOULD I DO?
If for some reason, you could not see the ticket confirmation page, please check your "Booked Tickets" list on the IRCTC site, wherein the details of all the successfully booked tickets would be available. If you do not see the desired transaction on this list, it means that the ticket has not been booked. The amount debited would be credited back to you by IRCTC in full without levying any charges. You may retry the transaction for booking your ticket.
10.WHAT SHOULD I DO IF I DON’T SEE THE CONFIRMATION OF MY BOOKING ON MY SCREEN?
On pressing the "Buy" button on the ticket reservation page, the payment is processed and the booking is done and the confirmation of your booking is displayed on your screen. If for any reason, the reservation details are not displayed on your monitor, please check the details in Menu "BOOKED TICKETS" under "Booking History" in Home Page of IRCTC site. You may also check your e-mail for the details of your booking or call IRCTC help line available on the same site.