PayZapp - Pay your Way

Once your payment is successful, it may take up to 4 days for the biller to confirm the service. If you haven't received confirmation yet, we recommend reaching out to your biller's customer support team for assistance.

If you don't receive adequate support, you can contact the PayZapp support team by raising an in-app ticket. Here's how:

• Open the PayZapp app and go to 'Passbook & Insights'.
• Select the transaction you're referring to
• Tap the '?' icon in the top-right corner.
• Choose the relevant question and raise ticket.

Our team will assist you further.

While payments on PayZapp are typically instant, it may take some time for the bank to credit the amount to the receiver's account.

Here's what you can do:

• Ask the receiver to check their primary bank account statement to confirm if the amount has been credited.
• If the receiver still hasn't received the money, they should contact their bank's Customer Support for further assistance.

Once your payment is successful, there might be a delay before the merchant fulfills the order. We recommend contacting the merchant directly for the exact status.

If the issue persists, you can raise a dispute in the PayZapp app by following these steps:

• Open the app and tap Passbook & Insights on the homepage.
• Select the transaction in question and tap Payment Completed on the transaction summary screen.
• Choose the Raise Dispute option.

Your wallet limits depend on your KYC status:

Minimum KYC Users:

• Monthly limit: ₹10,000
• Yearly limit: ₹1,20,000

Bank-Based Full KYC Users:

• Monthly limit: ₹2,00,000
• Yearly limit: ₹10,00,000

To view your daily, monthly, and yearly add & spend limits, log in to the PayZapp app and go to 'KYC Status' under the 'Menu icon' in the top-left corner of the home page

Your UPI transaction may have failed due to one of the following reasons:

• Incorrect UPI PIN entered.
• Insufficient balance in your bank account.
• You have reached your bank or UPI transaction limits.
• Security reasons
• UPI network issues
• Technical issues with the bank

Note: To view the exact reason for the failure, log in to the PayZapp app and check the transaction summary on the 'Passbook & Insights'page.

Some common reasons why the transactions fail are:

1. E-commerce Disabled: Your card may have e-commerce transactions disabled. You can check this by logging in to your net banking account. For HDFC linked cards, here is how you can do it :

• Tap on Cards at the bottom of the homepage
• Select the HDFC Linked card
• Go to Payment Limits and set the limits as per your wish
• Don't forget to click Save once done

2. Bank Decline: Transactions can be declined by your bank for various reasons. Confirm with your bank for more details.

3. Biller Issues: Your biller may currently be unavailable to process this request. You can try again later.

If your transaction fails, the debited amount will be refunded to your source account within the following time frames:

• Wallet: Refund processed within 1 working day.
• UPI payment method: Refund processed within 3-4 working days.
• Card payment method: Refund processed within 4-7 working days.

Please note that the exact timing may vary based on your bank or payment provider. If you have not received your refund within the specified time frames, please contact PayZapp customer support for assistance. To do so, open the PayZapp app, go to 'Passbook & Insights', select the transaction in question, tap the '?' icon in the top-right corner, and raise a ticket.

This typically occurs when we have not yet received the payment confirmation. Please allow up to 24 hours for the transaction status to update to either "Completed" or "Failed." If the transaction fails, you can try again later.

You can also contact the PayZapp support team by raising an in-app ticket. Here's how:

• Open the PayZapp app and go to 'Passbook & Insights'.
• Select the transaction you're referring to.
• Tap the'?' icon in the top-right corner.
• Choose the relevant question and raise ticket.

If your transactions are eligible for Cashpoints, you will receive them within 7 working days from the transaction date.

You will not receive Cashpoints if any of the following is true:

• The promo code wasn't applied on a RCBP transaction. Check your transaction details on Passbook & Insights to see if it was applied.
• Some offers allow a promo code to be used only once per period.
• You don't meet other eligibility criteria.

For more details, login to your PayZapp account and view the details under 'Offers & Cashpoints' section on the Homepage for more details.

You can also contact the PayZapp support team by raising an in-app ticket. Here's how:

• Open the PayZapp app and go to 'Passbook & Insights'.
• Select the transaction you're referring to.
• Tap the '?'' icon in the top-right corner.
• Choose the relevant question and raise ticket.

Our team will assist you further.

You can follow the steps below to redeem PayZapp Cashpoints to your PayZapp Wallet:

Login to your PayZapp account:

• Go to PayZapp homepage and tap Offers & Cashpoints.
• Tap Redeem Cashpoints to transfer them to your wallet.

Through Menu icon

• Go to PayZapp Homepage and tap Hamburger Menu at the top-left corner.
• Tap on Cashpoints & Offers under Rewards.
• Tap Redeem Cashpoints to transfer them to your wallet.

To set spending limits on your PayZapp Wallet, follow these steps:

• Go to the PayZapp Wallet on your homepage.
• Select Payment Limits from the Wallet page.
• Set your Monthly, Daily, and Per Transaction limits.
• Click Save to apply the changes.

The limits vary depending on your KYC (Know Your Customer) status. Here are the details:

For PAN-Based KYC:

• Wallet Holding Limit: ₹10,000 (per transaction, monthly, and yearly)
• Loading on Wallet: ₹10,000 (monthly), ₹1,20,000 (yearly)
• Spending on Wallet: ₹10,000 (per transaction), ₹1,20,000 (yearly)

For Bank-Based KYC:

• Wallet Holding Limit: ₹2,00,000 (per transaction, monthly, and yearly)
• Loading on Wallet: ₹2,00,000 (monthly), ₹5,00,000 (yearly)
• Spending on Wallet: ₹2,00,000 (per transaction), ₹10,00,000 (yearly)
• Wallet to Account Limit: ₹50,000 per beneficiary (monthly), ₹5,00,000 (yearly)

Loading and Wallet Fees: