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What if I told you that you can shop today without having to pay right away?

Well, ePayLater will help you do just that.

ePayLater is a ‘Buy Now, Pay Later’ payment option, which lets you make multiple purchases and pay for all of them in one go, at a later date. You get a 14-day interest free period from the date of purchase to settle your bills.

As you are not required to enter your bank account/card details for every purchase, ePayLater offers the most frictionless and secure checkout experience.

Sounds great, doesn’t it? So let’s get you started in just 5 easy steps.



1  Visit ePayLater’s website and click “Sign me up

Keep your Voter ID or PAN card handy and the process would not take more than a few blinks!







2  Enter your Mobile number and Email Id

Ensure you enter your own email id and phone number as you would need to verify both.







3  Verify your Email Id and Phone Number

Enter the OTPs sent on your Mobile Number and Email Id.

Just 2 steps to go!






4  Help us know you better!

All we need is some basic publicly available information about you.

You are almost done!





5  Here’s where your Voter ID and PAN card comes in.

Provide us with at least one Government ID.







Voila! You’re done!

Get a spending limit of upto Rs.20000 almost instantaneously.






Now start using this limit with our growing list of partner merchants and avail exciting discounts too!

Sign Up here to view our partner merchants.

Wondering how to use your spending limit?

1  Just add items to your cart on any of our partner merchant portals.

2  At checkout choose ePayLater as your payment options.

3  Enter the OTP sent on your registered mobile number and that’s it, your purchase is done.

Settle the due amount anytime within 14 days!

If you can’t stop thinking about it, Buy It! Sign up today and experience true convenience!

Need further help?

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Categories: How-tos


Pawan Gaur · June 7, 2018 at 10:05 pm

How I will increase my credit limits?

    ePayLater · June 11, 2018 at 11:48 am

    Hi Pawan! Thanks for your interest. As you build your record of quick and consistent repayments, your credit limit with ePayLater will keep increasing. Hope that answers your question.

Clifton Sivyer · June 8, 2018 at 3:03 pm

Hello There. I found your blog using msn. This is a very well written article. I will be sure to bookmark it and return to read more of your useful info. Thanks for the post. I’ll definitely comeback.

Ahmed ali syed · July 15, 2018 at 10:14 pm

I cant login again plx try to help

    ePayLater · July 17, 2018 at 3:08 pm

    Hi Ahmed

    Kindly drop a line with your registered details to support@epaylater.in or call us at 18002000595 so that we can assist you better.

    Team ePayLater

bineet · July 21, 2018 at 7:19 pm

sir i have paid i over due balance to e pay later, but i didnt get my credit limit open so please give me why this happen to me

    ePayLater · July 23, 2018 at 10:46 am

    Hi Bineet

    Kindly drop an email with your registered details to support@epaylater.in or call us at 18002000595 so that we can assist you better.

    Team ePayLater

Vrushali · August 18, 2018 at 3:58 pm

Plz give me the referral code of epaylater …at the time of sign up..they ask me

    ePayLater · August 20, 2018 at 3:22 pm

    Hi Vrushali

    The referral code field is not mandatory to fill. This is in case you sign up using a referral code from your friend. Using this you can avail reward points worth Rs. 50 on signing up. These points can be redeemed on repayment.
    However, you can also signup without filling this field.

    Thanks and Regards
    Team ePayLater

Harender Saini · September 30, 2018 at 12:17 am

I signed up but spending limit showing Rs 0 still.

    ePayLater · October 4, 2018 at 2:53 pm

    Hi Harender,

    Thank you for your query. 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 limited availability of data we have on you.
    However, our models are continuously evolving. 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. However, we encourage you to drop in a mail at support@epaylater.in.

    Team ePayLater

Intiyaj Sida · October 14, 2018 at 12:53 am

Sir I do not see my credit limit, help me

    ePayLater · October 15, 2018 at 11:25 am

    Hi Intiyaj

    Thank you for your query. You will be able to see your ePayLater credit under the ‘Home’ tab, once you login on https://my.epaylater.in/home with your registered number and the OTP. Alternatively, you can also download the ePayLater App (http://bit.ly/2pKp41a) and view the same on the home screen.

    For further help, kindly drop an email with your registered details to support@epaylater.in and we will try our best to assist you.

    Team ePayLater

amit · October 31, 2018 at 10:33 am

my available spend balance showing zero why?

    ePayLater · November 26, 2018 at 12:04 pm

    Hi Amit

    We are sorry that you did not receive a spending 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.

    Team ePayLater

Mandeep · November 9, 2018 at 6:55 pm

How my credit limit will increase?????

    ePayLater · November 26, 2018 at 12:03 pm

    Hi Mandeep

    We review spending limits for our customers from time to time. To be eligible for higher spending 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 soon.

    Team ePayLater

Ida Bagus Uttarayana · January 14, 2019 at 4:43 pm

important info, can i share it?

Nadila Poppyanti · January 16, 2019 at 8:19 pm

such a great explanation!

ANIL KUMAR · March 30, 2019 at 1:28 am


Salahuddin Ahmed · April 15, 2019 at 11:53 am

Would u pls tell me a foreigner can create epaylater account & use it?

    ePayLater · April 24, 2019 at 11:38 am

    Hi Salahuddin

    As of now, ePayLater’s facility is available only within India and to legal Indian citizens. Also, you would need a valid government id for verification during signup. Hope this was helpful.

    Team ePayLater

Ayyanar · July 13, 2019 at 11:25 am

I’m a Developer. I want to integrate epaylater for my website. you can give me api. i have already merchant.so how can i get api

Sumanth · September 12, 2019 at 11:48 am

have registered my mobile number in ePayLater and when I creating my profile with all the required details, always I am getting error message like “Request could not be processed, please try again”

    ePayLater · September 13, 2019 at 1:13 pm


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

    Team ePayLater

Mohammad Gagan · February 24, 2020 at 3:44 pm

Sir how to repay credits after using them

    ePayLater · February 28, 2020 at 5:49 pm


    You can 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. You can make a payment using net banking, debit card, credit card, Mobile Wallets. We currently do not support the settlement of dues by cash.

    Hope that answers your query.

    Team ePayLater

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