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About PayLater

Why is my PayLater account locked?

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. 

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

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 1800 1080 between 7:00 AM and 9:00 PM.

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How do I increase PayLater account limit?

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.

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Do all shopping malls have PayLater VPA option?

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.

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What is My PayLater VPA/UPI ID?

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.

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

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

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

No, you can have one PayLater Account, the details of which will reflect in all the eligible payment options.

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

The limit of your Paylater account can range between Rs.5000 to Rs.50000, based on your eligibility. The limit will be preset for the customers to whom the invite is sent.

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Is there any fees applicable for using Paylater?

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

Penal interest is charged at 42.8% per annum plus Goods and Services Tax (GST).

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

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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Where can we use PayLater?

Each PayLater Account has a dedicated UPI ID, which can be used for making payments through the UPI mode.

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.

How can I get the PayLater facility?

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

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Who can avail PayLater EMI?

A customer with a PayLater account can avail this facility.

What is PayLater EMI?

PayLater EMI is a loan linked to the PayLater limit of the customer.

What is PayLater EMI?

PayLater EMI is a loan linked to the PayLater limit of the customer.

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

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

How can I pay faster using PayLater?

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 can I pay the Paylater dues?

Auto Debit is already set against your linked Savings Account. In case you wish to repay anytime, you can do so through Internet Banking or iMobile Pay app.

Where can PayLater not be used?

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.

Benefits of paylater?

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.

It provides the convenience of easy checkouts. It helps you protect your Savings Accounts and Credit Card details as you don’t have to input them for making small ticket purchases.

You get crisp Savings Account monthly statements as you divert your smaller spends to PayLater.

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

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

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

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

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How does PayLater work?

You get up to 45 days zero interest digital credit. You can pay your bills, shop online and pay to any merchant UPI ID instantly or make payments using PayLater payment option at ICICI Bank payment gateway.

On the due date, the amount gets automatically debited from your Savings Account.

What is PayLater?

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. 

How to add money from PayLater to Paytm wallet?

You may add money to merchant wallet using UPI payment option. Please check with merchant for procedure to add funds in their wallet.