Tried out these mobile payment solutions first with the new credit card. mchek has the disadvantage of having only Airtel recharge as the USP. Can't recharge other operators' mobiles if your operator is Airtel! ngpay's USP for me is KSRTC booking. Even when KSRTC's AWATAR system is down, which is often, ngpay works. But ngpay does not have Airtel recharge for AP circle or All India, though the menu item exists. Navigating ngpay is a pain because of the QTEK 9100 mobile's terrible touch screen. Much easier to do it by tethering it to a PC and using MyMobiler.
mchek registration had some hiccups, since the registration is followed by a card number verification which requires a popup. The first time I enabled the popup, had to retry. And on retrying so quickly, I think the card processing back end would have refused the connection, and hence returned "Invalid card". I thought this was because the card was earlier registered with my Tata number. Customer care assured me that the earlier unsubscribe was effected. Anyway, waiting for some time - 15 minutes - and retrying - solved the issue.
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