What is ePayLater?
ePayLater is a Buy Now Pay Later payment option which lets you make multiple purchases, and pay
for all in one go at a later date. Buy now and pay later with a statement generated on the 15th
and end of every month.
Benefits of using ePayLater
ePayLater offers the simplest possible checkout experience in existence today. As you are not
required to enter your 16-digit card number or log in to your bank account or for that matter even
refill your wallet, you can conclude your transaction with just a tap!
You get an interest-free period basis your statement date to settle your dues!
We eliminate the dependencies on any third-party payment service providers such as payment
gateways, banks etc. at the point of transaction, thereby providing an unmatched transaction
success rate and security.
ePayLater not only provides the benefits of COD, such as a seamless checkout experience and a pay
after delivery option but also goes beyond by doing away with the hassles associated with handling
cash. You are no longer needed to struggle to find change or worry about your order not getting
delivered when you are not around to make the payment.
On timely repayment, you get to choose from a list of tempting discount vouchers, which you can
use for other purchases!
How do I signup?
You can sign up on ePayLater in 4 easy steps:
- Click on 'Sign me up' on the home page.
- Enter your Mobile number and Email Id.
- Enter the OTPs received on your Mobile Number and Email Id.
- Provide us with at least one Government ID (Aadhar/PAN card).
That is it! You can now use your spending limit to shop with any of our partner merchants and pay
Is there any fee charged on creating an account?
No, there is no fee charged on creating an ePayLater account.
How would I get to know whether my application has been accepted or not?
As soon as you complete the sign up, you would be instantly notified whether
your application has been accepted or not. If it is accepted, you will also
be notified about the spending limit assigned to your account.
How can I make the repayment to ePayLater?
You can also pay by logging in to your ePayLater account or by using the
ePayLater app which will list all your pending dues. Alternatively, you
will receive an intimation of the amount to be paid and the payment due
date by email and SMS on the registered email id and mobile number. You can
make a payment by clicking on the payment link provided therein. We also
send regular payment reminders, which also have the payment link.
When do I settle my payments?
You can settle your dues anytime within 5 days of your Statement generation date.
What are the payment options using which I can make a payment to ePayLater?
You can make a payment using net banking, debit card, UPI and Wallets. We currently do not
support the settlement of dues by cash.
Is there a late payment fee?
Yes, failure to repay the Minimum Bill Amount on or before the Payment Date, will entail levying
of a default interest at the rate of 3% per month on the outstanding Total Bill Amount. There will
be a fixed additional charge of Rs.100 in the form of Late Payment Fees.
What happens if I don't pay back?
We understand that it is human to miss payment deadlines and overlook
reminders. Hence, we give our customers the leeway of a few more days
beyond the due date to make the payment. However, the customer will be
charged a late payment fee for such period. Users are notified multiple
times via email, SMS and phone calls before the due date and periodically
thereafter. However, in the remote case of non-payment, the user's
ePayLater account is deactivated. Just like an electricity bill or any
utility bill, any amount payable to ePayLater is legally enforceable.
Further, ePayLater, acting through its partner financial institutions, holds
the right to report all such default cases to credit bureaus including
CIBIL which may impact your credit rating and hence your ability to access
financial products, including any kind of loans, in the future.
How do I raise a cancellation/return/refund request?
Please contact the merchant directly to raise cancellation/return/refund request. Once your
cancellation/return/refund request has been accepted by the merchant, we will be notified of the
same by the merchant. If you are yet to make a payment to ePayLater for that transaction, we will
adjust your payment due in the Statement as per the refund amount processed by the merchant. In
such a case, you would be liable to pay ePayLater only for the amount outstanding against the
transaction. However, in case you have already made the payment to ePayLater for the transaction,
you will receive the refund amount in your ePayLater account.
How do I get a refund for my purchase?
Once we receive the intimation of your cancellation from the merchant your amount due will be
adjusted against the refund, in case you are yet to make a payment to us for the transaction. If
you have already made the payment to us then the refund amount shall be processed directly to your
Where all can I use ePayLater?
You can use ePayLater across any of our partner merchant portals including IRCTC, PVR,
Travelyaari, Croma, eVoucher India, Ticketnew, EaseMyTrip, MakeMyTrip to name a few. The list is
expected to grow bigger in the coming days. Stay tuned for updates on this.
You can also use ePayLater to transact on merchants that accept UPI. Currently, ePayLater UPI can
be used on Amazon, Flipkart, Jabong and Myntra.
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