Thursday, April 20, 2017

Money Debited But Ticket Not Booked

Train Ticket Not Booked After Online Payment


Making online railway reservation is becoming more and more popular. It gives us flexibility and saves us from standing in long ques at railway stations. We know that now a days, more than 50% railway tickets are booked online by individuals and IRCTC authorised agents. This puts huge demand on railway reservation infrastructure. Sometimes, ticket is not booked but payment to IRCTC takes place and customer’s account is debited. At other occasions, neither ticket is booked nor payment to IRCTC takes place but customer’s account is debited.

The main reason for such problems is the large number of organizations involved in processing of online transactions, the problems with Internet infrastructure currently available and working days / holidays of financial institutions. IRCTC say that its payment settlement team works on a 24 x 7 basis, even then it cannot guarantee about the debited amount being credited to the Customers bank accounts in time and without mistakes.

The online payment system of IRCTC is very complex. It involves complex networking integration between customer, banks and payment gateways and IRCTC. The success of this system dependents on internet connectivity across various constituents.

If this complex network does not work properly then transaction failure takes place and ticket is not booked. This creates the situation of money getting debited from the customer’s account but ticket not booked. There could be two possibilities which are discussed below.

1. First Situation: Payment Settled But Ticket Not Booked – customer’s account is debited and payment is made to IRCTC but Ticket is not booked.

Reasons: This may be due to the reason of non availability of particular berth opted by the passenger at the time of booking and hence ticket not booked but money debited. Other reasons may be the loss of connectivity and network failures.

Action Taken By IRCTC: Generally, the debited amount is credited back to the concerned bank on the next day.

Action Taken By The bank: Within 2 to 3 working days, the concerned bank credits back the amount in customer’s account through which booking was made.

2. Second Situation: Settlement Failed and Ticket Not Booked – customer’s account is debited, no payment is made to IRCTC and Ticket is not booked.

Reasons: This may be due to the loss of connectivity and system & network failures at Bank or customer’s end which results into the non remittance of ticket amount to IRCTC.

Action Taken By IRCTC: Since amount is not credited to IRCTC, therefore no action is required by them.

Action Taken By The bank: Since the amount is with bank, therefore after due verification, the concerned bank credits back the amount in customer’s account through which the booking was made.

In general, it is rest assured that in such unwanted situations, IRCTC handles the matter nicely and the money is credited back to the customer’s account. However, in odd cases, there may be delay. What is most needed is patience in such situations.

You can contact IRCTC as per details given below:
IRCTC Customer Service Email: care@irctc.co.in

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