Standing in long queues to book train tickets is never fun. Booking on IRCTC has surely mitigated some of that hassle. However, the morning Tatkal rush is a whole another ball game. You somehow manage to find a tatkal availability, but the transaction fails at the very last moment. Or the payment times out while you were laboriously entering your lengthy bank account or card details. You try and reiterate the entire process again but find that the availability is no longer so. Aren’t we all too familiar with this problem?

Now here’s a solution which will not only make your payment process a breeze but will also help you beat the tatkal rush. To use ePayLater’s services on IRCTC, you will be required to sign up on ePayLater once and enjoy seamless and convenient booking going forward.



1.  Once signed up, all you have to do is enter your journey details on IRCTC’s website as usual, pick Pay on Delivery/Paylater at checkout and select ePayLater.
2. Login using your registered mobile number and enter the OTP received on the same.


3.  Confirm your booking amount.


4.  That’s it. Your booking is done in just a blink!


You will have a period of 14 days from the date of your transaction to settle your payment with us. Without having to pay at the time of booking or any hassle of punching in lengthy bank details your IRCTC experience will be seamless and secure.

Booking train tickets was never this easy! Sign Up Now to ‘Book Now, Pay Later’ and avail instant credit upto Rs. 20,000. If you are not yet signed up on ePayLater, here’s a blog on How to Sign Up on ePayLater to help you get started.

Categories: How-tos


Zora · June 8, 2018 at 4:49 pm

This is really helpful, thanks.

Danilo · June 15, 2018 at 4:43 pm

Thanks, it is quite informative

Mukesh Gandhi · October 15, 2018 at 4:10 pm

I’ve made a booking through epaylater, but yet it showing “pending from bank end” since last 3days.
How and when will the transaction get completed?

    ePayLater · October 17, 2018 at 5:36 pm

    Hi Mukesh

    Kindly drop an email with your concern and registered details to support@epaylater.in and we will be happy to assist you.

    Team ePayLater

prem kumar bhardwaj · November 12, 2018 at 5:51 am


I am trying to sign-up but not getting OTP on mobile. Only OTP receiving is on email.

Please let me know what is the issue.


Droga · December 9, 2018 at 3:57 pm


anand · December 24, 2018 at 8:39 am

at the time of ticket booking its required Otp how to bypass the OTP option

    ePayLater · December 28, 2018 at 11:22 am

    Hi Anand

    If you are booking tickets on IRCTC, you can now use our latest In-app OTP feature. With this feature, you can login on the ePayLater App and select ‘In-App OTP‘ option from the profile section. You can copy the OTP displayed here and use it on IRCTC for faster ticket booking experience.

    Team ePayLater

      NARENDRA VERMA · January 10, 2019 at 12:15 pm

      There is no option for epaylater on IRCTC website and mobile android app.But in epay app it is showing IN APP OTP IRCTC ONLY tab.Where to use it but

        ePayLater · January 14, 2019 at 1:20 pm

        Hi Narendra

        You can view the ePayLater option on the IRCTC website under the Pay On Delivery/ Paylater tab as shown in the screenshot above. However, we are not yet live on the IRCTC app. As and when we are live on the app, you will hear from us.

        Team ePayLater

      Shashi kant · October 10, 2019 at 1:10 pm

      Plz help me for irctc by otp

Manjunath · January 15, 2019 at 10:52 pm

I’ve made a booking through epaylater, but yet it showing “pending from bank end” since last days.
How and when will the transaction get completed?

Gulam Gaush · April 23, 2019 at 11:17 am

Dear Sir
please this showing paymt option ===Sorry, this transaction is not eligible for ePayLater. Please contact us at support@epaylater.in or 18002000595 for further details.

    ePayLater · April 24, 2019 at 11:31 am

    Hi Gulam

    Please reach out to us at support@epaylater.in with your registered email id and details pertaining to the transaction. We will be happy to assist you.

    Team ePayLater

Aneesh · May 29, 2019 at 12:15 pm

I’m getting an error saying the PAN and name doesn’t match, but it actually same. I’m not sure why I am getting this error. could you please help me?

    ePayLater · June 13, 2019 at 5:41 pm

    Hi Aneesh

    Please reach out to us at support@epaylater.in with your registered details and we will be happy to assist you.

    Team ePayLater

Ramakrishnan Sasisekar · July 18, 2019 at 10:11 am

I have already made a booking through epay from irctc online, suppose i want
to cancel the booking before the payment due date, the amount will be adjusted or not?
kindly advise

    ePayLater · July 19, 2019 at 4:37 pm

    Hi Ramakrishnan

    You can go ahead and cancel your ticket like you normally would.

    We will update the status of cancelled orders as soon as we are notified by the merchant(in this case IRCTC). However, you continue to be liable to make the payment to ePayLater until we receive such notification 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.

    Team ePayLater

Priyanka · October 30, 2019 at 2:55 am

This is one of the great n efficient initiative from IRCTC which make reservations hassle free. Appreciating all credit n effort in implementing the same for customers. kudos to Team !!

Ratan rahaman · December 28, 2019 at 8:52 pm

Nice post

Aiswarya · January 17, 2020 at 12:35 pm

When trying to do paylater, always getting “Invalid request. Transaction has been declined.” message

    ePayLater · January 17, 2020 at 6:18 pm


    Please reach out to us at support@epaylater.in with your registered details and we will be happy to assist you.

    Team ePayLater

Venkatesh · January 24, 2020 at 12:24 pm

I read and understand that, u credit instantly 20000 once singed up.
So it is called as a virtual credit card type?

here my question – is there any annual fee charged against this card or any other kind of hidden fee applicable for this card.

Late fee / Penalty i understood that , should pay within 14 days.

    ePayLater · January 24, 2020 at 3:11 pm

    Hi Venkatesh

    No, we do not charge any annual fee or any other type of fee on the credit. Late fee/penalty is charged only if you cross the 14-day repayment period after your transaction
    Hope that answers your query. You can also refer the FAQs for any other questions you may have.

    Team ePayLater

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