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I did not receive the OTP

We rely on multiple network providers for this and they might be facing issues from time to time. We are extremely sorry for the inconvenience. For quicker OTPs we have also started sending the OTP to your registered email address. So, in case there is a delay due to the mobile service provider, you can use your email OTP to proceed with the transaction. We request you to give it another go.

I am not able to create an account

We regret the inconvenience caused. We request you to share a screenshot of the error in an email to support@epaylater.in and we will be happy to assist you.

I did not receive a credit limit

We are sorry that you did not receive a credit limit. This is probably due to a failure in one of the multiple checks that we do during account creation. These checks are not solely based on your creditworthiness and a zero limit does not reflect our assessment of your creditworthiness. We review limits from time to time and would intimate you in case your limit is revised.

I want to partner up with ePayLater

If you are a merchant and wish to partner up with ePayLater or wish to avail the ePayLater facility, please write to us at partnerships@epaylater.in

I want to know my credit limit

To know your current credit limit please login to your account or download our mobile app from google playstore.

I want to increase my credit limit

We review credit limits for our customers from time to time. To be eligible for higher credit limits you just need to keep transacting using ePayLater and make payments on time. As you build your record of quick and consistent repayments, your credit limit with ePayLater will keep increasing.

I received zero credit limit

We are sorry that you did not receive a credit limit. This is probably due to a failure in one of the multiple checks that we do during account creation. These checks are not solely based on your creditworthiness and a zero limit does not reflect our assessment of your creditworthiness. We review limits from time to time and would intimate you in case your limit is revised.

I want to change my registered mobile number/email id

Unfortunately, we do not allow change of registered mobile numbers/email address due to security reasons. If you have a genuine reason to change to your mobile (ex: mobile has been lost), please contact us support@epaylater.in and we will be happy to help you.

I want to delete my ePayLater account

In case you wish to discontinue using our services, ensure that you have cleared all your dues. At present we cannot delete your account for security and compliance reasons, however we will de-activate it upon receiving the request. A de-activated account can be re-activated later if you change your mind. For any de-activation or re-activation request, please contact us at support@epaylater.in.

My account is blocked

There can be multiple reasons due to which your account may be blocked:

  • You have not made payment for one or many ePayLater transaction(s) and the due date has passed.
  • You have cleared the payment after a prolonged delay which leads to non adherence to our repayment terms.
  • Your account may be blocked due to suspicious activities carried out in your account.
  • A de-activation request was received for your account.

I cannot see the "Invite and Upgrade" option on my profile

ePayLater "Invite and Upgrade" option is being rolled out in a phased manner, and we expand the list of customers that can avail benefits of this option on a regular basis. As soon as the feature is available for you, you will hear from us.

I want to stop receiving repayment reminder emails/messages

We at ePayLater send regular reminders from our end to all our customers before, on and after the due date, so that the customer does not miss the payments.

You may ignore the email if you intend to clear the dues within the stipulate time line. Once the payments are cleared you shall not receive any further reminders of the same transaction.

I want to stop receiving promotional emails

We run regular offers, discounts, contests from our end which are informed via emails so that all our customers can gain maximum benefit out of it. We are sad to know you wish to stop receiving these beneficial promotional emails. If you do not wish to get these promotional emails from us, you may simply click on "unsubscribe" at the bottom of the email and we will adhere to your request.

My repayment process failed midway but amount was debited from my account

In case your payment has been deducted but the transaction has failed, the amount debited shall be credited back to your account within 5-7 working days into the instrument from which the payment was made. We request you to check your account statement after such time and get back to us if the payment has not been reversed by then. We suggest that you make the payment to us using an alternate mode of payment.

My repayment link doesn't work

We regret the inconvenience caused. Kindly drop in a mail at support@epaylater.in and we will be happy to assist you.

I cancelled my order, but it is still showing payment due

We update the status of cancelled orders as soon as we are notified by the merchant. However, you continue to be liable to make the payment to ePayLater till 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.

I didn't receive refund

We initiate the refund as soon as we are notified of the acceptance of the request. It generally takes 5-7 working days for the refund to be credited back into the instrument used for making the payment to ePayLater. In case you haven't received the amount after said duration please feel free to drop in a mail at support@epaylater.in and we will be happy to assist you.

I cancelled my order, but I am still receiving payment reminders

We update the status of cancelled orders as soon as we are notified by the merchant. However, you continue to be liable to make the payment to ePayLater till 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.

I cancelled my transaction. Why do I need to pay?

We update the status of cancelled orders as soon as we are notified by the merchant. However, you continue to be liable to make the payment to ePayLater till 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.

I want to cancel/return my order

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.

I have cleared all my dues, but I still cannot use ePayLater

There can be multiple reasons due to which you can not use ePayLater.

  • Ensure that you use the same email id/mobile number which is registered with your ePayLater account.
  • Ensure that the order value is within the available spending limit.
  • If none of the above is true, please contact us at support@epaylater.in

I need more time to pay the pending dues

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. The rate is applicable for all merchants except PVR, where a flat Rs.20 penal charge is levied once a customer misses the due date.

I do not see ePayLater on the merchant's payment page

There can be multiple reasons due to which you do not see ePayLater at checkout:

  • Merchant hasn't partnered up with ePayLater. You can see a full list of merchants here.
  • Not using the email id and mobile number registered with ePayLater. Ensure that you are using the same mobile number and email id, with which you created your ePayLater account.
  • Order Value is above your available spending limit.
  • You have not made payment for other ePayLater transaction and the due date has passed; or
  • In case none of the above is true, contact us at support@epaylater.in.

Dispute with merchants

In case of a dispute with the Merchant we would request you to contact the merchant's support team. We will only be able to adjust the amount due after receiving confirmation about the same from the Merchant partner.

I did not receive the OTP on my registered mobile.

We rely on multiple network providers for this and they keep facing issues from time to time. We are extremely sorry for the inconvenience. For quicker OTPs we have also started sending the OTP to your registered email address. So, in case there is a delay due to the mobile service provider, you can use your email OTP to proceed with the transaction. We request you to give it another go.

I get an error message 'not eligible' while attempting a transaction through ePayLater

There could be multiple reasons for this. However, one of the probable reasons for this error message is when your transaction amount is higher than your spending limit. Try transacting for a lower amount instead.

To be eligible for higher spending limits you just need to keep transacting using ePayLater and make your payments on time, and we will ensure that your ePayLater spending limit is adequately increased.

I have transferred money into my ePayLater UPI Account

We do not recommend that you directly make payment to the ePayLater UPI handle. We request you to write to support@epaylater.in with the UPI reference number. We will adjust your balance accordingly. It can take up to 2-3 working days to reflect in your account. We request you to kindly get back in touch with us if you do not receive the amount by such time.

I have cancelled my transaction done using ePayLater UPI

We request you to write an email to support@epaylater.in mentioning the refund reference number of the transaction. Please mention “UPI Refund” in the subject line.

I am unable to create my ePayLater UPI VPA

We request you to write an email to support@epaylater.in with a screenshot of the error. We will get back to you.

I am unable to use my ePayLater UPI on any merchant

Currently you can use the ePayLater UPI on select merchants only. You can see the list of eligible merchants by visiting https://my.epaylater.in/merchants or on your Mobile App.

I am unable to use Scan and Pay

Currently you can use the ePayLater UPI Scan and Pay feature on Bharat QR. If you are trying to scan a Bharat QR code and still facing issues

I want to use ePayLater's UPI to transfer money

ePayLater UPI can only be used to make merchant transactions. P2P(Peer-to-Peer) transfers are not allowed from ePayLater account.

I have not made a transaction using ePayLater

Kindly drop in a mail at support@epaylater.in and we will get back to you.

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. You get a 14-day interest-free period from the date of order to settle your bills with us.

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 14 days of an interest-free period 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 later anytime in 14 days.

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 14 days from the date of order.

What are the payment options using which I can make a payment to ePayLater?

You can make a payment using net banking, debit card, credit card, Mobile Wallets (Freecharge, Ola Money, Mobikwik, Jio Money etc.). We currently do not support the settlement of dues by cash.

Is there a late payment fee?

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. The rate is applicable for all merchants except PVR, where a flat Rs.20 penal charge is levied once a customer misses the due date.

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 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.

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 to your account used for making the payment. It may take 5-7 working days for such refunds to reflect in your account depending on your bank. We request you to kindly get back in touch with us if you do not receive the amount by such time.

Where all can I use ePayLater?

You can use ePayLater across any of our partner merchant portals including IRCTC, PVR, Box8, Travelyaari, Mojo Pizza, Telebrands, Croma, eVoucher India, Ticketnew, Sports Uncle, Oyefood, Foodzap, MadBananas 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.

Didn't find what you were looking for?

We're here to help. Get in touch and we will get back to you soon. Support team is available Monday to Friday between 10:00AM and 6:00PM via email and phone.