Simpl Pay Later

147K reviews
Content rating
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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
Jan 27, 2023

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
147K reviews
mihir salunke
January 24, 2023
It's been a year of using simpl and suddenly this the bills aren't charged correctly or there is an error and when you trying to raise the query or try contacting them there is zero customer support . Even after excessive mail they reply back saying they don't have a calling customer support. It's becoming a pathetic experience so far and I been just mailing them constantly and there are no reverts and to which the credit amount is getting increased every week. A terrible app experience.
2 people found this review helpful
GetSimpl Tech
January 24, 2023
Hi Mihir, 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
December 6, 2022
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.
151 people found this review helpful
GetSimpl Tech
December 6, 2022
Hi Soumodeep, Thanks for your feedback. We are continuously working on adding more features to our app to make your experience better.
kshitiz vishnoi
January 22, 2023
The app doesn't show total amount spent till today, it only shows how much credit limit you have. When the bill gets generated, user can not tell how much money s/he can spend safely within their budget. This is a consumer misleading tactic which simpl has applied recently, earlier they used to show how much money has been spent in total. So, simpl is trying too hard to become user un-friendly app. It pays well to trap people into credit debt by showing misleading information. #NEWUSERSBEWARE
2 people found this review helpful
GetSimpl Tech
January 22, 2023
Hi Kshitiz, 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.