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
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