Mobiwik is nothing but a cheat application. I used mobiwik for payment through my credit card for online payment. The transaction didnt go through. As i would have to unnecessarily pay my credit card company for for transaction which didnt go through i asked a refund to mobiwik. After so many mails also mobiwik was not responding. Finally being fed up I transferred thr amount to mybsaving account paying unnecessary fees. Mobiwik wants to make money by cheating thr customers. Very bad. Not recommended at all