Simpl: Shop Now. Pay Later.

256K 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
Jul 4, 2024

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

255K reviews
Akansha kudale
July 11, 2024
I have used simpl multiple times. It really needs to make changes in billing cycle. People normally receive salary after a month but ur billing cycle does not give them enough time to repay it. I paid my amount today thinking whatever I would pay using simple will be scheduled in next month but unfortunately I have to pay it before 18 of july only.... What's use of it if I can't have enough time to repay my bill atleast after paying the first u need to extend ur dates for the second payment.
GetSimpl Tech
July 11, 2024
Hi Akansha! We understand your concern about the billing cycle. It can indeed be frustrating. Your feedback about extending the dates for the second payment is noted. If you have specific issues with your current bill, recommend reaching out to us via given link: ~Raqeeda~
Benazeer Benazeer
July 8, 2024
Worst and pathetic app which is not user friendly at all. The app is company-centric rather than customer-centric. I got a call from an associate asking to make a payment for something I bought on zepto and the landing page forces you to give your information and check your credit score. Even though my goal is to just make payment, I have to allow them access to my credit records. And their chatbot is disgusting and helpless. Do NOT make the payment using Simpl, no matter what offers they give.
GetSimpl Tech
July 8, 2024
Hi Benazeer! We're sorry to hear about your experience. Simpl is committed to providing a seamless and user-friendly service. We take your feedback seriously and will look into the issues you've raised. Please reach out to our support team via the provided link so we can assist you further. Link: ~Raqeeda~
Shalini NA
July 3, 2024
Been using this from past many years, always made timely payment also. So far didn't face any issue also but from last 2 months app is not working properly specially near or@ the day of payment. Last time somehow app worked after struggling for 2 days and many hours. Today happening the same issue. Trying to make payment since morning but app has automatically logged out first now not able to login in. It's buffering since then. Is this a some of scam app stops working properly near due date.
GetSimpl Tech
July 3, 2024
Hi Shalini! We are sorry to hear about your rough ride! We're all about turning bad vibes into good ones. Shoot us a message via the link: and let's turn that frown into a high-five. ~Bhavesh~

What's new

We've made a bunch of performance fixes that improve the speed and stability of the app.

App support