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paylater

What happens if someone fails to pay their PayLater bills on time?

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In case customer payments are not received within 15 days from the bill generation date, customers would be charged late interest on the daily total outstanding on the total due amount, with interest calculation done from the bill due date.

 

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Why is my PayLater account locked?

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PayLater account gets in locked status when dues are not paid by the due date. Post payment of dues, PayLater account gets unlocked in the next working day. If you are still unable to use PayLater account, Please call our Customer Care on 1860 120 7777 between 7:00 AM and 9:00 PM. To know the Customer Care numbers, please click here

I have transferred funds to PayLater account. However, the amount is not reflecting in PayLater account.

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Please check the statement of your paylater account to know the payment status. If the amount is not reflecting in statement, Please call our Customer Care on 1860 120 7777 between 7:00 AM and 9:00 PM.To know the Customer Care numbers, please click here.

What is PayLater?

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PayLater is a digital credit product, similar to a Credit Card. With it you can make your purchases today and make payments within 45 days of the transaction date and no interest is charged.

 

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How do I increase PayLater account limit?

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PayLater accounts are reviewed periodically by the bank and sanction limit may change from time to time. Please keep using iMobile app. Bank will send a notification once you are eligible.

Can I use the PayLater UPI ID to transfer money to individual’s UPI ID?

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No, PayLater UPI ID can be used only for merchant UPI ID and not for payments to any P2P UPI transactions (Peer to Peer)

 

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Where can PayLater not be used?

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PayLater cannot be used for making Credit Card payments, or to transfer funds to other bank accounts or do any person to person funds transfer.

 

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What is the limit that is available on my PayLater account?

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The limit of your Paylater account can range between Rs.5000 to Rs.20000, based on your eligibility. The limit will be preset for the customers to whom the invite is sent.

 

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Do all shopping malls have PayLater VPA option?

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PayLater VPA can be used in all UPI enabled online/offline shopping malls except payments made for gold purchase, mutual funds, insurance or any other investment.

How can I pay the Paylater dues?

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The PayLater dues will be debited automatically from your ICICI Bank Savings Account.

 

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Are there any charges involved in using Paylater?

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Customer shall be charged penal interest based on daily total outstanding post the ‘Pay by Date’. Additionally, customer shall also be levied fixed late payment charges, in subsequently generated bills until dues cleared.

 

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I have not received the gift voucher on usage of PayLater.

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Please click here to check the offers, terms & conditions that are live for PayLater.

What is My PayLater VPA/UPI ID?

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Your PayLater Account is identified with a unique PayLater VPA (e.g. pl.XXXXXXX) which can be used to make various UPI payments such as online shopping, mobile recharge, flight/train/bus/taxi bookings etc.

 

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Can ICICI Bank change the approved credit limit allotted for PayLater Account after it is created?

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Yes. PayLater customer shall utilise the transaction limit under PayLater by ICICI Bank to make INR purchases. The renewal of PayLater by ICICI Bank shall be subject to ICICI Bank’s discretion. ICICI Bank reserves the right to review and reduce the transaction limit extended to PayLater customer at the time of renewal or at any other time at its sole discretion with or without any notice to the PayLater customer. However, enhancements to the transaction limit, if any shall be effected by ICICI Bank only after obtaining prior consent of the PayLater customer.

 

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Benefits of paylater

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PayLater provides an interest free credit up to 45 days which helps you manage your routine expenses without using your Savings Account balance. Hence, it helps you maintain a higher balance and earn more interest amount.

 

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How can I pay faster using PayLater?

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PayLater provides you a single click checkout option at your merchant payment page. Just select ‘PayLater’ option and complete your transaction.

 

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How does PayLater work?

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You get upto 45-day zero interest digital credit. You can pay your bills, shop online and pay to any merchant UPI ID instantly.

 

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Where all can I use the PayLater UPI ID for payments?

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PayLater UPI ID can be used for payments to any merchant UPI ID.

 

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How can I get the PayLater facility?

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PayLater by ICICI Bank is available to a set of customers on an invite- only basis. The customers for which the facility is available will receive the invite pop-up when they log into Pockets wallet, iMobile or Internet Banking.

 

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How can I get rid of lengthy account statements using PayLater?

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PayLater debits your account once a month consolidating all of your routine small ticket expenses and hence helps you to keep a track on your gross monthly expenses.

 

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Where can we use PayLater?

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PayLater is available as a payment option at ICICI Bank payment gateway for making online purchases, in addition to the standard options like credit card, debit card and Pockets Wallet. For making a payment, simply choose your PayLater Account in the checkout page

 

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Where all can I apply for the PayLater facility once I receive the invite?

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PayLater facility is available on Internet banking, iMobile and Pockets wallet

 

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Can I have multiple PayLater accounts linked to the various products of ICICI?

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No, you can have one Paylater account whose details will be reflecting in all eligible payment options.

 

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