We understand that it is human to miss payment deadlines and overlook reminders. Hence, we give our customers the leeway of a few more days beyond the due date to make the payment. However, the customer will be charged a late payment fees for such period. Users are notified multiple times via email, SMS and phone calls before the due date and periodically thereafter. However, in the remote case of non-payment, the user’s ePayLater, Simpl or other account is deactivated. Just like an electricity bill or any utility bill, any amount payable to ePayLater ,Simpl or others are legally enforceable.

Further, ePayLater,Simpl and other pay later payment partners acting through its partner financial institutions, holds the right to report all such cases to credit bureaus including CIBIL which may impact your credit rating and hence your ability to access financial products, including any kind of loans, in the future.