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.
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.
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.
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
To know your current credit limit please login to your account or download our mobile app from google playstore.
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.
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.
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.
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.
There can be multiple reasons due to which your account may be blocked:
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.
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.
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.
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.
We regret the inconvenience caused. Kindly drop in a mail at support@epaylater.in and we will be happy to assist you.
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.
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.
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.
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.
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.
There can be multiple reasons due to which you can not use ePayLater.
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.
There can be multiple reasons due to which you do not see ePayLater at checkout:
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.
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.
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.
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.
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.
We request you to write an email to support@epaylater.in with a screenshot of the error. We will get back to you.
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.
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
ePayLater UPI can only be used to make merchant transactions. P2P(Peer-to-Peer) transfers are not allowed from ePayLater account.
Kindly drop in a mail at support@epaylater.in and we will get back to you.
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.
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!
You can sign up on ePayLater in 4 easy steps:
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.
No, there is no fee charged on creating an ePayLater account.
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.
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.
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, Mobile Wallets (Freecharge, Ola Money, Mobikwik, Jio Money etc.). We currently do not support the 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. 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.
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.
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.
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.
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.
Check our Privacy Policy
Check our Terms & Conditions
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.
2018 ePayLater. All Rights Reserved
Logos and representation of third party trademarks belong to their respective owners. AFPL makes no claims with respect to ownership in any such third party trademarks whatsoever.
ePayLater is recognized as a startup by the 'Department of Industrial Policy and Promotion' of the Government of India's Ministry of Commerce.
