ePayLater is a Buy Now Pay Later payment option which lets you make multiple purchases, and pay for all of them in one go on a later date. You get a 14 day interest free period from the date of order to settle your bills with us.
You can contact us at email@example.com
Yes, ePayLater is completely safe to use. Since you are not required to login to your bank account and enter your card number every time you make a transaction, you are safeguarded from phishing and account hacking. Additionally, we send an OTP to your registered mobile number for every transaction. Only once you submit the OTP, the transaction is concluded. As an additional layer of security, we recommend that you download the ePayLater mobile app, which will give you real time view of all the transactions done using ePayLater.
ePayLater is extremely easy to use. Once a credit limit is sanctioned against your account, you can start using ePayLater with our partner merchants. Add items to your cart, go to checkout, choose ePayLater amongst the payment options, enter the OTP sent to your registered mobile number and that is it, transaction is done!
You can use ePayLater across any of our partner merchant portals including IRCTC, PVR, VaerOrganic, Power2SME, Bizongo to name a few.
There can be multiple reasons due to which you do not see ePayLater at checkout:
We rely on multiple network providers for this and they keep facing issues from time to time. We are extremely sorry for the inconvenience. We request you to give it another go.
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.
You can settle your dues anytime within 14 days from the date of order.
You can make a payment using net banking, debit card, credit card or through a bank transfer (NEFT/IMPS), Mobile Wallets (Freecharge, Ola Money, Mobikwik, Jio Money etc.). We currently do not support settlement of dues by cash.
Yes, failure to make a payment within 14 days will entail levying of a penal interest at the rate of 3% per month for the days that the amount stays overdue on a pro rata basis.
None at all. We believe in transparency and convenience. There are absolutely no hidden charges.
Firstly, as you build your record of prompt repayments your spending limit with ePayLater will keep increasing. Secondly, timely repayments also help you build a strong credit profile which will help you avail financial products from banks, lenders and other financial institutions at favorable terms.
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 fees 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 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.
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 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 into the instrument used for making the payment to ePayLater.
You continue to be liable to make the payment to ePayLater till such time that we receive a refund request from the merchant. In case you are approaching a payment due date and your refund is yet to be processed we recommend that you make the payment to ePayLater for the amount due to avoid any late payment/penal interest. Once we receive the refund intimation from the merchant we will process the refund into the instrument used for making the payment to ePayLater.
This may happen in remote cases, wherein the merchant has not notified us of the cancellation. This rarely happens. However, do let us know if such a thing happens. We will coordinate with the merchant and get it resolved.
In case you are yet to make payment to ePayLater and your refund request has been accepted by the merchant, you need not do anything. However, if you have made the payment to ePayLater, you will receive the refund amount into the instrument used for making the payment to ePayLater.
As with any other payment option, you need to raise the return and cancellation request with the merchant itself. ePayLater does not have any role to play in your request being accepted or not by the merchant.
We initiate the refund as soon as we are notified of the acceptance of the request. It generally takes 8-10 days for the refund to be credited back into the instrument used for making the payment to ePayLater.
Yes, we periodically send payment reminders to your registered email id/mobile number till the time you make the payment.
We strongly recommend that you settle the payment before the due date. Late payment will attract a penal interest at the rate of 3% per month on a pro rata basis.
Please write to us at support@epayLater.in
To be able to use ePayLater, you first need to complete the sign-up process. Keep your PAN and Aadhaar handy! Apart from PAN and Aadhaar, we ask for certain basic details which you should be able to fill in a couple of minutes. On the basis of the information provided, we assign a spending limit, which can be used immediately after completing the sign up. The application is completely digital and sanctioning happens instantaneously. Click here to Sign-Up
If you have your PAN and Aadhaar handy, then it should not take more than 4 minutes to complete the sign-up. Off course a lot depends on your typing speed. :-)
As soon as you complete the sign up, you would be 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.
No, there is no processing fee.
We check customer eligibility based on near zero or very limited data provided directly by the user in order to make the customer on-boarding process as frictionless as possible. Hence, there is a possibility that you may not be eligible for ePayLater even though you may have a good credit profile due to the limited information we have on you. In such a case, we encourage you to drop in a line at firstname.lastname@example.org. We promise to look into your case more specifically and guide you on the steps required to become eligible.
Your eligibility and spending limit is determined on the basis of various parameters including your buying behavior on the merchant, your transaction history with ePayLater etc. We at ePayLater strive to allow access to our services to as many customers as possible but may not be able to do so in some cases due to various reasons including limited availability of qualifying data.
However, we are young and learning and our models are continuously evolving. What this means is, while we may not be able to approve you today there are chances that we may automatically do so in the future. In such a case you will hear back from us. In case you are still interested in registering with us or having your spending limit increased, we encourage you to drop in a line at email@example.com. We promise to look into your case more specifically and guide you on the steps required.
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You may login to ePayLater account using your registered mobile number and review your past transactions.
In case you wish to discontinue using our services, ensure that you have cleared all your dues. Drop in a mail at firstname.lastname@example.org once you have cleared your dues. We will check for any dues and close your account if no dues exist. Please note that we will be required to retain certain data due to your compliance requirements.
Please write to us at support@epayLater.in
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ePayLater is recognized as a startup by the 'Department of Industrial Policy and Promotion' of the Government of India's Ministry of Commerce