Not very long ago, Indian gamers faced a lot of difficulties buying games from the Steam, the leading platform for PC video games, as the vast majority of us prefer to use the domestic payment method. This problem was because of some server issues with Novaplay as illustrated in this article. What to do when this doesn't work?
I started looking for the most convenient and easiest way to make international payments and found virtual debit cards to be the most suitable to tackle this age-old problem. Debit cards are currently the fastest mode of payment on Steam. First I tried digibank by DBS. But it didn't quite work out as planned. Finally I found a wonderful solution: The Kotak 811 App!
However, the virtual debit card will not immediately start working after you add funds to your account. Please wait for 48 hours within which you will be notified about the activation of your account.
The good thing about this is that the Visa virtual debit card available through the app comes pre-activated for international transactions and all you have to do is wait for the notification SMS about the activation of your account. Its usually takes around 30 hours for activation after you have submitted all details through the app. No need to go to the bank anymore! In case of other digital banking apps, you would have to wait for biometric verification via bank agent and also request activation of international transaction usage of the cards.
After you receive the confirmation SMS from Kotak, you can now start using your virtual debit card on Steam. Steam charges(a temporary transaction) an Indian rupee amount equivalent to an US dollar according to current exchange values in order to verify that you have funds in your card. So make sure you have funds in your new account before you add the card on Steam.
UPI is now the easiest way to transfer funds. Check out this comprehensive website to know why. I would suggest my fellow Indian gamers to maintain only a minimal amount in this new Kotak 811 account and use UPI to add funds from your main domestic bank account as and when needed.
You can also use this virtual debit card if you want to transact using your own PayPal account on various international online game stores! Kotak charges ₹1 for using the 3D Secure service in order to add the card to your PayPal account.
Hope this helps young Indian gamers to no longer depend solely on the domestic method of payments on Steam. Anyone with a valid Aadhaar and PAN can now buy internationally online! Happy Gaming :) !