Following is the list of questions that people have about LazyPay. Hopefully you can find your question too in the list.

What is LazyPay?
LazyPay is India’s fastest way to get credit online. Just download the LazyPay App and discover your unique credit limit. LazyPay credit limit can be increased upto Rs 1,00,000 with an easy digital process. Use your credit limit to pay later for your shopping online across 100+ of your favorite apps and websites. Withdraw from your credit limit to your bank account and repay using easy EMI options at affordable interest rates. All your payments and EMIs are consolidated in a single statement. You need to pay only a single bill on the 3rd and 18th of each month.

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What are the benefits of using LazyPay?
LazyPay is the fastest and simplest way to make payment. The speed of payment ensures that you never miss out on your favorite products or your favorite movie. You need not pay in advance and pay only after you have availed the service.

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Should I trust LazyPay services?
LazyPay is a product developed and launched by PayU India. PayU is synonymous with trust and has grown to be the undisputed leader in online payments in India.

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How do I become eligible for this?
If you are approved for a high credit limit and have done your KYC and setup your bank for auto repayment, you will become eligible to use this service.

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What is the minimum salary requirement for being eligible to increase your credit limit?
The minimum salary requirement for being eligible to increase your credit limit, is Rs 30,000.

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What is the maximum credit limit I can get?
Currently, the maximum credit limit available is Rs 1,00,000.

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How can I avail LazyPay services?
You must choose LazyPay as a payment mode available on the merchant’s website. An OTP is sent to the user for verification purpose and after entering the OTP, transaction is processed.

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Does LazyPay charge any application or signup charges?
No! Signing up for LazyPay is absolutely free! There are no fees involved in checking or increasing your credit limit.

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How is the statement amount calculated?
The statement amount is calculated as sum of all transactions that you have done at merchants & any installment that you need to repay. Any previous dues, late fees & penalties are also added to your due amount, from this LazyPay subtracts all repayments, cashbacks, refunds and credits that you have received during the bill cycle.

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What is the minimum/maximum amount for withdrawal to bank?
The minimum amount for withdrawal is Rs 10,000. You can withdraw upto the limit set for you. Your limit is displayed on the mobile app.

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Where can I see my previous withdrawals?
Currently, this is visible only on the Citrus-LazyPay app on Android.
Go to the LazyPay tab, you will find Repayment Status section. You can tap on card which shows your withdrawal amount. After you tap, it will show all details regarding your withdrawal i.e. when are your installments due and how much you need to repay every month.

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Can I withdraw my balance in to some other bank account ?
No, you cannot withdraw into some other bank account. LazyPay only support withdrawal into the same account that you have setup for automatic repayment.

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Can I have more than one withdrawal running under my account simultaneously?
Yes, you can initiate multiple withdrawals. Each withdrawal will have a separate payment cycle which you will have to repay before your due date. You just need to make sure that each withdrawal is more than 10000 and in multiple of 1000s.

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Unable to withdraw my credit limit to bank. Please help?
Please check you have available credit limit more than Rs 10,000 to be able to withdraw into bank. You can pay some of your outstanding dues and increase your credit limit over Rs 10,000.

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How I can withdraw from my credit limit?
Just choose your amount & pick your installment tenure. Confirm your monthly EMI amount, processing fee. Reconfirm your bank details and instantly get credited!

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What is the interest that I need to pay?
Interest varies between 12 to 24% pa, depending on the amount & tenure of your repayment period.

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What are the charges for withdrawing into bank?
There is a processing fee of 2% that is applicable, whenever you withdraw from your credit limit to your bank. However, as an introductory offer, the fee for a limited period is Rs 0.

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How do I prepay or partially pay the amount I withdrew?
Currently, LazyPay do not support prepayment or partial repayment.

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What is the installment period?
This depends on the amount you are withdrawing. Installment periods vary from 3 months to 24 months.

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Will my repayments reflect on my credit score?
Yes, as per government norms all of your repayment and credit borrowing records are shared with the respective credit bureaus whenever the same is being asked for. So, your good track record with LazyPay* will reflect on your CIBIL as well. Please note this is applicable only if you get an enhanced credit limit and complete your KYC & auto repayment setup.

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What is withdrawal from credit limit to bank?
You can withdraw from your credit limit* directly into your bank account. You can use these funds for your emergency needs or shopping or wherever else you want to. You will need to repay the amount you withdraw in installments as chosen by you at the time of withdrawal. You will also be charged interest and a processing fee. Please note this is applicable only if you get an enhanced credit limit and complete your KYC & auto repayment setup.

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Amount has been deducted from bank/card but repayment is showing as failed/in progress (less than 24 hours). What should i do?
LazyPay usually retry every hour with your bank/card to fetch the correct status of your payment. In most cases, within 24 hours, they will update the status of your repayment and notify you appropriately. You will not be charged any late payment charges if your transaction couldn’t be updated before the due date.

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Amount has been deducted from bank/card but repayment is showing as failed/in progress (more than 7 days). Please help?
Please get in touch with your bank to get the status of the refund. Please note, banks generally take 7- 10 days for CC/DC/NB and 15 days ( Excluding Saturdays, Sundays and Bank Holidays) for a UPI transaction to refund this amount in your source account.

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If I repay the due early, will my account/card still be auto debited?
No, if you have already cleared your dues, then auto repayment of your dues will not be processed.

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Can repayment date be extended?
No, in normal circumstances, repayment date cannot be extended.

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Is there any EMI option to repay the due amount?
Currently, LazyPay do not provide any facility to repay your due amount in installments.

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How to repay the outstanding/due amount?
There are multiple ways by which you can repay your outstanding or due amounts:
On the website – Select the ‘Pay Bill’ tab available on the home page http://www.lazypay.in . Enter your registered details and OTP received. Click on Pay Now.
From email/SMS – You can click on the “Pay Now” button in the email or click on the link in the SMS message. (Tip: you can save the link from your SMS for future repayments as well)
On the mobile app – Download LazyPay Citrus- LazyPay App from Play Store or the Citrus-LazyPay App from App store. Click on the LazyPay tab available at the bottom, click on the ‘Pay Now’ button.

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Where can I see my cashback credit?
Cashback transactions are visible in your transaction history. Please follow the following process to view your transaction history:
In the mobile app, your transactions are visible in the LazyPay tab. You will need to scroll down to see your transactions. You can tap on “Show All” to see all your past transactions
In the website, after you login on lazypay.in, your transactions are displayed below your outstanding and due amounts.

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Why did i not receive cashback?
Cashback is credited in your LazyPay account within 2 days (Excluding Saturdays, Sundays and Bank Holidays) of you doing the transaction. If its more than 2 working days, please check terms and condition of the offer and check if you were eligible for the cashback on that offer. If you are eligible for the cashback or received incorrect cashback, you can write from their help page and they will help you.

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Why did i receive incorrect cashback for an offer?
Please check terms and condition of the offer and check if you were eligible for the cashback on that offer.
If you are eligible for the cashback or received incorrect cashback, you can write from their help page and they will help you.

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I am waiting for refund from the merchant. When will I receive it?
If the merchant has processed your refund, it will reflect immediately in your transaction history.

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How do I view my transaction history?
In the mobile app, your transactions are visible in the LazyPay tab. You will need to scroll down to see your transactions. You can tap on “Show All” to see all your past transactions
In the website, after you login on lazypay.in, your transactions are displayed below your outstanding and due amounts.

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Are there any other charges applicable for using LazyPay services?
No! There are no additional charges for using LazyPay services.

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What is bank bounce charge?
It is your responsibility to ensure that you maintain sufficient funds in your bank account to cover your due amount. When the bank account you have linked for auto repayment doesn’t have sufficient funds in order to get the auto debit done successfully, LazyPay pays a penalty to your bank for this failed attempt. We add this to your statement. Bounce Charge is fixed at Rs 300 per bill cycle.

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How is the EMI overdue charge calculated?
EMI overdue charge is calculated, if you are unable to repay your installment for the withdrawal to bank. It is calculated as 26% APR and calculated on a per day basis.
For eg: You have an installment due of Rs 5000 on 3rd May and you aren’t able to repay this. there will be an overdue charge every day after the 5th of May. The charge added per day will be calculated as 5000* (26/100) * (1/365) = Rs 3.56. The same charge will be added for each day that you don’t repay.

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How is late fee calculated?
Late fee is calculated only if you have an overdue and have made interest free payments on websites & apps. It is calculated as Rs 10 per day, you don’t pay. It is capped at 30% of total due for these purchase transactions. For eg: You have a due amount of Rs 1000 and you fail to repay this by the due date. Charge of Rs 10 will be added every day, you don’t repay. LazyPay will cap the fee at Rs 300, which is 30% of the total due amount.

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Are there any charges when I withdraw credit limit to bank?
There is a processing fee that is applicable, whenever you withdraw from your credit limit to your bank. However, as an introductory offer, this fee has been waived off.

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Do I need to pay any interest when I use my LazyPay credit limit?
There is no interest charged when you use your credit limit directly on merchant websites or apps.
Interest is charged when you withdraw from your credit limit to your bank account. Interest varies between 14 to 24%, depending on the amount & tenure of your withdrawal.

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I wasn’t approved for a LazyPay credit limit, when can I try again?
In case your first attempt to get an enhanced LazyPay limit wasn’t successful, you will be allowed to retry this in the future. LazyPay will reach out to you when we can accept other information such as bank statements, salary slips etc to help you get a credit limit.

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Why am i unable to see my credit limit?
If your credit limit is showing as 0, check if you haven’t used up all your credit limit. Your credit limit will get restored only after you repay your outstanding amount. If your credit limit is showing as 0 or the same after you have submitted all the required information for increasing your credit limit (PAN, DOB, Address, Salary) then, at the moment LazyPay can’t approve an increase in your LazyPay credit limit. Currently, the LazyPay credit limit is only visible on the Citrus- LazyPay App on Android.

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How do I increase my credit limit?
Currently, increasing your LazyPay credit limit is only available on the Citrus- LazyPay App on Android. The following are the steps to be completed for getting an enhanced credit limit.
Click on “Get it Now” and complete the form by filling your PAN details, salary details & address information.
If you get approved to increase your limit, you need to do your KYC.
Check how to complete KYC.
Once your KYC is approved, you need to link your bank account for setting up repayments. Here’s how
Over time, your credit limit may increase further if you continue to repay your LazyPay dues on time.

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Why am i unable to transact using LazyPay?
You can try transacting with a lower value. Every time you attempt a transaction on LazyPay, their algorithms evaluate your profile, current balance, past purchase, and repayment behavior to determine whether LazyPay can afford the transaction on your behalf.

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I have received a notification that my cashback has been credited, where can I see it?
You can view your cashback in your LazyPay account. You can login to your account at http://www.lazypay.in to check the same in your transactions tab or in your LazyPay account in Citrus App. Please note that your cashback will be immediately adjusted in your current outstanding amount. If you have already paid your dues, you can use this amount for next purchases with LazyPay.

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When will cashback be credited in my LazyPay account?
Cashback is credited into your LazyPay account within 2 working days (Excluding Saturdays, Sundays and Bank Holidays) of you doing the transaction. Please note that your cashback will be immediately adjusted into your current outstanding amount. If you have already paid your dues, you can use this amount for next purchase with LazyPay.

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Why am i unable to view cashback in my account?
Login to your LazyPay account with your registered credentials. The cashback amount credited would be adjusted in the LazyPay outstanding amount for next purchases at LazyPay. It should reflect in the Outstanding amount tab on your dashboard. If the cashback still does not reflect in your account, you may contact them using the ‘contact us’ at Need Help section.

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Where can I view spend limit set for LazyPay?
There are no defined set limits for LazyPay. Every time you attempt a transaction on LazyPay, their algorithms evaluate your profile, current balance, past purchase, and repayment behavior to determine whether LazyPay can afford the transaction on your behalf.

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Are there any charges applicable for using LazyPay services?
No, not at all! you just need to pay your dues on or before the due date which will avoid the unnecessary LPC (Late payment charges) of INR 10 per day.

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Where can I see my refund status?
Please note that once you receive a refund, you are notified instantly via email/SMS on your registered details. You may also login to your account at http://www.lazypay.in and your refund is displayed on your transactions dashboard.

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Where can I view my previous due balance/outstanding balance/details?
Please follow below steps to view your previous due balance:
Log on to http://www.lazypay.in.
Enter your login credentials.
Enter the OTP received on registered mobile number.
After successful login, you can view all the required details of your account on the dashboard.

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Can I map two account to auto repay the due amount?
No, you can only link one account/card for auto repayment of your dues.

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Are there any fees if I don’t repay before the due date?
Yes we will charge you if you don’t repay by your due date. In some rare cases, we may provide a grace period (bank holidays/system unavailable).
Late fee is Rs 10 per day upto 30% of your purchases.
EMI overdue charge is 26% APR per day.
Bank bounce charge is Rs 300.

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What is the billing cycle for repayment?
LazyPay statement is generated twice a month:
16th of every month – For all transactions between 1 – 15th Midnight.
1st of every month – For all transactions carried out between 16th – 30th/31st of previous month. After the statement is generated, the payment must be made within 3 days to avoid late penalty charges of INR 10/day and in extreme cases discontinuation of service.

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How do I cancel my order?
LazyPay is just a payment mode provided to the customers and does not guarantee delivery of goods or services. For queries regarding service/refund/order cancellation, please contact the merchant.

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Can I cancel my withdrawal request?
No, LazyPay credit funds into your account immediately, hence they don’t support cancellation for withdrawal.

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How can i contact LazyPay?
You can contact using the ‘contact us’ at Need Help section. You can also email your grievance at we care @lazypay.in.

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