Simpl: Shop Now. Pay Later.

1.72L reviews
Content rating
Screenshot image
Screenshot image
Screenshot image
Screenshot image
Screenshot image
Screenshot image

About this app

Simpl Pay Later is a payment app that simplifies your online shopping experience without the hassle of OTPs or passwords. You can buy now pay later at your own convenience for all your needs. It is truly among the smoothest Buy Now Pay Later Apps in India.

Using the Simpl payment app, you can make quick payments for popular brands like
Zomato, Bigbasket, Blinkit, MakeMyTrip, Dunzo, JioMart, Zepto, Tata 1mg, Nykaa, UrbanCompany, Goibibo, RedBus and many more.

Also, after a few successful transactions, you can unlock the option to pay utility bills with ease. The Billbox option on the Simpl Pay Later App allows you to pay your utility bills such as Gas Bills, Electricity Bills, Water Bills, Postpaid Bills and also lets you recharge your TV, Prepaid Mobile, Wi-Fi with a 1-tap. These get added to your Simpl Pay Later Bill, which you can clear later.

Here is a list of things you can do using Simpl Pay Later:

Make Quick Payments with One-Tap
Simpl Pay Later is one of the best paylater apps that let you do quick payments with just one click. There are no OTPs, CVVs or passwords required.

Pay - in - 3
On selected merchants, you can avail the option of completing your payment in 3 parts over 2 months without any interest or hidden charges. It adds affordability to your diverse needs so you can easily budget and pay for your shopping later.

Zero Interest or Hidden Fees
Simpl is one of the few BNPL apps in India that allows you to make purchases online without any interest or hidden fees. So, you pay zero interest over your purchase amount even when you paylater.

Quick Refunds for Cancellations
Say goodbye to being worried about delayed refunds. With the Simpl payment app, you can get refunds in seconds in the event of order cancellations.

Minimum KYC
You can set up the Simpl BNPL functionality in minutes as it involves minimum paperwork for verification. You don’t have to worry about multiple KYCs, passwords, and other paperwork.

Avail Exciting Offers
With this Shop Now pay later app in India, you can unlock exciting offers for purchases across multiple merchants.

Billbox: Make Utility Bill Payments Online

Your Go-To Recharge App
You can pay for your Broadband, DTH, and mobile recharges - the amount gets added to your Simpl Bill, which you can pay later. Using this premium feature of this BNPL app, you can simply recharge online without any hassle!

Hassle-Free Bill Payments
Simpl makes all your timely online bill payments easier! You can make your repay your gas bill online, complete your FASTag recharge and water bill repayment online and also clear your electricity bills in a tap - all these will get cleared immediately and you can pay for the same later with your Simpl Bill.

Why Choose Simpl?
Simpl is a mobile-first, buy now, pay later platform that is reimagining payments driven by trust, relationship, and loyalty between merchants and their consumers. We achieve this through frictionless checkout, POS credit, and data-driven loyalty.

Here’s How Simpl Works:
Simpl generates bills twice each month. On 15th, you receive the bill for your purchases/payments between 1st and 15th. Likewise, on 30th/31st, you receive the bill for purchases/payments made from 16th to 30th/31st. You can pay even before your bill arrives by logging in to your account.

Simpl charges a penalty of up to INR 250 excluding GST in case of consistent non-payment of bill on due dates. However, if you inform Simpl of any issues, no charges will be levied.

There’s a default spending limit set when you first use the app. But according to your usage, the spending limit may vary. If you clear your dues consistently on time, we can increase it, and vice versa in the opposite scenario.

Read the FAQs here!:
Download the app now and say hello to a Simpl life!
To check if you’re pre-approved for Simpl Pay Later, visit
Stay updated on all things Simpl:
Updated on

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region and age The developer provided this information and may update it over time.
This app may share these data types with third parties
Location, Personal info and 5 others
This app may collect these data types
Location, Personal info and 5 others
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

1.71L reviews
sourav dutta
22 March 2023
Bad customer support. I have been using for the last 5years or more haven't ever seen such a weird customer service. Recently experienced an issue with the bill repayment. I have mailed around 18-19 times in a loop but nothing is happening, No proper responses, they are going to pause my account within 3-4days if not paid ,but as I try to pay always there's an issue poping out that something went wrong. There's no other option to make repay as well. Really bad.
243 people found this review helpful
GetSimpl Tech
22 March 2023
Hi Sourav, We strongly urge you to please reach out to Simpl Support Team via our Chat option - Sia which is available on our Simpl App & Web platform Website / mobile app - We thank you for your cooperation & understanding.
Soumodeep Ghosh
2 May 2023
The experience with the simpl is very good and I appreciate you for that. From payment experience to everything, it's smooth. But the UI needs an overhaul. This is 2022. The app looks very old and needs a huge leap. (-1) I would request you to introduce bill payment once a month instead of twice. It would add more value to customers' financial journey. You could also introduce credit test before enabling this option. But, it's needed. (-1) Your Simpl Reward System is very complex.
239 people found this review helpful
GetSimpl Tech
2 May 2023
Hi Soumodeep, thank you for the appreciation. Furthermore, we have noted your remarks and will share the same with our team.
Sunny Fogla
18 May 2023
Simpl is a great app for faster payments and bills payment but it only provides credit of 20 days without if it increases it's credit period without interest then it will be great and also it gives offers only for the first order on the apps...but what about others because persons like me prefers to pay via Amazon pay later or Flipkart pay later as they provide offers to attract the customers and they always tries to make pay-later useful to the customer.
GetSimpl Tech
18 May 2023
Hi Sunny, genuine feedback from our customers is always appreciated. We will ensure that your valuable remarks reach the concerned department. Thank you!