How to Use LazyPay?

How to Use LazyPay?

LazyPay, a branch of PayU, is a known financial service in the expanding fintech space. The company utilises new-age innovative technologies to provide the best services. LazyPay is a BNPL app that previously partnered Flipkart to offer products with flexible EMIs. Only pre-approved users by LazyPay get an Instant EMI on their purchase on their payment options. These purchases are made into manageable monthly payments with no paperwork and no processing fees.

If you are a user who has recently joined LazyPay, here is a step-by-step guide to understanding how LazyPay works.

How does LazyPay work?

  • Visit the your preferred App or Website (Swiggy, Flipkart, Zomato, etc) to take advantage of LazyPay Instant EMI.
  • Choose the product and complete the checkout process using LazyPay’s EMI payment options.
  • Select an easy-to-use EMI plan, then use an OTP to confirm your purchase.


Two statements from LazyPay are produced each month: One on 16th of each month (due date 18th) and the second one on the 1st of each month (due date 3rd) for transactions done between the 16th and the last day of the month.

You can monitor your credit limit, and pay later at more than 100 retailers, and activate your credit for EMIs, personal loans, and other uses. 


  • Utilise LazyPay to convert your significant purchases into Instant EMI installments.
  • No processing fee or paperwork.
  • Available on dozens of apps and 1000s of products in various categories, including computers, TVs, grocery, and washing machines.
  • Regular updates for users on payment offers and more directly from the LazyPay App.


Launched in 2017 as a “buy now, pay later” service, LazyPay has grown its clientele and transformed into a full-fledged credit provider, providing immediate personal loans via apps and EMI on e-commerce websites. Moreover, LazyPay will now offer direct credit via UPI and Bharat QR. You can use LazyPay to conveniently pay your online bills, while also garnering extra discounts and reward points.


How do I pay with LazyPay?

One of the quickest and simplest ways to make payments online is through LazyPay.

  1. Click “More payment options” on the payment page and select the “Pay Later” option to choose LazyPay as your preferred payment method.
  2. After you enter the OTP provided to you for verification, your transaction will be completed.

Can I use LazyPay in zomato?

Yes, and users will get extra cashback on their first transaction on Zomato using LazyPay. The amount will be deducted from the withstanding balance in your LazyPay account.

Where can I use my LazyPay card?

Lazypay’s LazyCard is marketed as a revolutionary credit card. This card allows users to conduct any financial transaction regardless of their bank balance because it functions as a prepaid credit card. On every transaction, LazyCard offers a variety of benefits to its clients.

Both online and offline usage of LazyCard is possible. You can punch your card information or swipe or tap your card at a retailer. Moreover, you can receive up to 5% cashback on each transaction.

Can I use LazyPay for Netflix?

No, you can’t use Lazypay to pay for Netflix or other premium video streaming platforms like Disney+ Hotstar and Amazon Prime Video.

Does Amazon accept LazyPay?

Yes, you can shop with no cost EMI on Amazon using LazyPay and Pay Later.

How can I get Rs 500 in LazyPay?

Step 1: Click the link to open the Lazypay App and activate it.

Step 2: Double-check the shipping address, DOB, and PAN

Step 3: Remember to take a Picture of your Debit Card details, Including the expiration date and CVV Number.

Finding debit card information is unlikely after exiting the Lazypay app; only a handful of approved users will find the “My Card” option on the dashboard-

Step 4: in that case,  perform any online purchases (No min amount) and get instant credit.

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