IRCTC's own payment Agreegator IRCTC-iPay will be available on http://irctc.co.in by Aug-18 as PCI-DSS security certificate has been granted to IRCTC.
IRCTC iPay provides all payment options like Credit Card, Debit Card, International Card, Auto Debit, UPI, Wallets etc.
With the introduction of direct link with banks, the total transaction points will be reduced. This will, in turn, reduce the amount of time it takes to make refunds. This step will also help IRCTC open direct negotiations with banks for special offers or discounts.