Apart from Phone—Pay, Paytm, and Mobikwik are the apps that do not charge any fees for adding money to your Paytm wallet using a credit card.
Although Paytm and MobiKwik are generally known for not charging fees, it is always best to check the terms and conditions of any wallet, as charges may vary.

Your transaction may be declined because international or online transactions are disabled by default, the card type is unsupported, or there is an insufficient balance. Log in to your bank's app or net banking and enable online and international transactions in card settings.
If the issue persists, contact customer support or use an internationally accepted card.

Almost all the banks give the same rate of interest on RDs but here are the top five banks that are best for opening an RD account:
Yes Bank: Provides 7.75% of interest rate.
SBI Bank: Provides 7.0% of interest rate.
IDFC First Bank: Provides 7.50% of interest rate.
Kotak Mahindra Bank: provides 7.10% of interest rate.
RBL Bank Bank: provides 7.50% of interest rate.

For Senior Citizens:

Yes Bank: Provides 8.25% of interest rate.
SBI Bank: Provides 7.50% of interest rate.
IDFC First Bank: Provides 8% of interest rate.
Kotak Mahindra Bank: provides 7.60% of interest rate.
RBL Bank : provides 8.0% interest rate.

Both long-term FD and short-term FD have their advantages and features according to the financial goals.
Short-term FD:
In short-term FD you can invest for a short period (a few days to two years) only. Also, it is good for short-term liquidity needs you can access your money whenever you need.
Long-Term FD:
In long-term FD you can invest for a long period (5 to ten years). Long-term FD provides higher interest rates and is good for long-term financial goals.
So, both long-term FD and short-term FD have their own benefits. If you want higher interest returns then long-term FD is a good option. And, If you have liquidity needs shortly then short-term FD is a good option.

First, always confirm the recipient number with name before any transaction or start your payment with 1 rupee to check the right account. If by mistake you send the money to the wrong account, then follow these steps to get your money back:

1. Try to contact the recipient and request to send the money back.
2. Use the Request Money feature of Google Pay to get the money back.
3. Note all the details and history of the transaction and contact your bank or call your bank customer services.
4. If the bank does not provide you with any support then complaint a file with NPCI at https://www.npci.org.in and go to UPI Dispute Redressal Mechanism.
5. If you suspect fraud then file a complaint at https://cybercrime.gov.in/.