If you suspect that someone else is using your PhonePe account or has made a payment that you are unaware of, please follow the below steps immediately:

1. Change your account password on the app.
2. Report the activity on https://support.phonepe.com

In case you suspect any fraudulent or suspicious activity on your PhonePe account, you must report it immediately. To do so:

1. Log in to https://support.phonepe.com
2. Tap Report a fraud or unauthorized activity to report your issue.

We would need more details specific to the transaction with which you faced an issue while trying to topup your PhonePe Wallet. Tap on the button below to select the relevant transaction. This will help us provide a quick and appropriate resolution to your issue.

Using PhonePe for website/app payments not only serves the purpose of payments getting made, but also gives you the opportunity to win cashbacks and rewards from our various offers.

The PhonePe payment option can be found in different sections on the app’s payment page/screen and there could be variations on different apps and websites. However, these are the most common:

• It could appear as a separate payment option as "PhonePe BHIM UPI", below the options of Credit Card, Debit Card and Netbanking
• It could be present under the Wallets section
• It could be present under the UPI section
• If an app has only a ‘Pay Now’ button on the payment page, click on this button to be redirected to another page where all the payment options would be listed. PhonePe would be present here as a separate option on this page or under the wallets or UPI section

Making a payment on an app/website is easy. Please follow the below steps:

1. On the merchant payment page you will find "PhonePe BHIM UPI" or "BHIM UPI" as a payment option
2. Select the BHIM UPI option and enter your BHIM UPI ID (VPA)
3. You will receive a payment request notification via SMS and an app notification in your phone.
   • Click on the link received in the SMS, and you will be taken to the payment screen on the PhonePe app
   • Or, you can launch the PhonePe app. You will see a pop-up with the billing amount and 2 options - “PAY” & “DECLINE”. Click “PAY” to make the payment
4. Choose the preferred mode of payment
5. Enter the BHIM UPI PIN / card details & click ‘Submit’
6. Once the payment is successful, you will see a success confirmation page

Note: In case you do not wish to approve this request or are unaware of this request, please click the “DECLINE” button.

PhonePe takes complete responsibility of any issue related to your transaction. However, we believe that the service provider/merchant you transacted with on their website/app, is better placed to resolve any of your order fulfilment/service related issues.

Example: You have made a bus booking on a 3rd party app/website and paid via PhonePe.

1. For any queries regarding payment pending/failure issue, please reach out to PhonePe.
2. For any issues after a successful transaction via PhonePe related to itinerary, operator issues, bus service, refund etc., you are advised to reach out to the customer support of the respective merchant directly.

We need more details specific to the transaction you faced an issue with. Please click on the button below to select the relevant transaction.
This will help us provide a quick and appropriate resolution to your issue.

We need more details of the issue that you faced specific to the transaction. This will help us provide a quick and appropriate resolution to your issue. Please click on the button below to select the relevant transaction.

PhonePe takes complete responsibility of any issue related to your transaction. However, we believe that the service provider/merchant you transacted with on their website/app, is better placed to resolve any of your order fulfilment/service related issues.

Example: You have purchased some grocery items from a shop and paid via PhonePe.

1. For any queries regarding payment pending/failure issue, please reach out to PhonePe.
2. For any issues after a successful transaction via PhonePe related to quality or delivery of the products, you are advised to reach out to the respective store manager directly.

We would need more details specific to the transaction with which you faced an issue while trying to topup your PhonePe Wallet. Tap on the button below to select the relevant transaction. This will help us provide a quick and appropriate resolution to your issue.

We require more details specific to the payment that you’re facing an issue with.

Tap the button below to select the relevant payment. This will help us in providing a quick and appropriate resolution to your issue.

Tax Saving Funds
Disclaimer: Returns shown are an average of rolling compounded annualised returns calculated at each month end over the 10-year period. Past performance may or may not be sustained in the future.
Data Source: ICRA MFIE.
Savings Bank, Bank FD and PPF rates shown are average rates during the past 10 years. Savings Bank rate is based on the maximum rate offered by five major banks on balance up to Rs. 1 Lakh whereas Bank FD rate relates to the average FD rates of five major banks for above 5 year tenure.
Source: RBI Annual report, www.dea.gov.in

Liquid Funds
Disclaimer: Returns shown are an average of rolling return calculated at each month end over the 5-year period. Returns for less than 1-year period are simple annualized and those for greater than 1 year are compounded annualized. Past performance may or may not be sustained in the future.
Data Source: ICRA MFIE
Savings Bank rate shown is an average rate during the past 5 years based on the maximum rate offered by five major banks on balance up to Rs. 1 Lakh.
Source: RBI Annual report

SuperFunds
Disclaimer: The fundamental attributes of the Aditya Birla Sun Life Financial Planning Fund of Funds have undergone change with effect from January 31, 2020 and hence the performance shown is based on a back-tested model using the new asset allocation pattern of the schemes, instead of Fund’s past performance. The returns shown are average of 3/5/7 year rolling compounded annualized returns calculated at each month end based on the back-tested model assuming dynamic asset allocation across Nifty 50 TRI and CRISIL Liquid Fund Index using Earnings Yield Gap measure (ratio of 10-year Indian G-sec yield to Nifty 50 earnings yield) over a period of 15 years. Rebalancing has been assumed to be carried out at each month-end. The asset allocation framework used for back-testing the three plans is provided below. While the performance shown here is based on the asset allocation framework specified below, the Fund Manager could also use other parameters to decide the exact asset allocation subject to the asset allocation limits specified in the Scheme Information Document. Expenses have not been considered. Calculations are for illustration purpose only and do not in any manner indicate or imply quality of investment, are not indicative of future performance of the Scheme/Plan & should not be used as the basis for an investment decision. Please read the Scheme Information Document for more details. Past performance may or may not be sustained in the future.
Data Source: NSE, CRISIL, ABSL AMC.

Bank FD and PPF rates shown are average rates during the past 15 years. Bank FD rate relates to the average FD rates of five major banks for above 5-year tenure.
Source: RBI Annual report, www.dea.gov.in

FASTags are prepaid rechargeable tags that you can use to make automatic payments at toll booths. With a FASTag, you can drive through all toll booths without having to stop. FASTags are usually stuck on the windscreen of your vehicle. As soon as your vehicle crosses a toll booth, the toll fee will be deducted from the bank account or prepaid wallet that you have linked to your FASTag.

Currently, you can't buy FASTags on PhonePe. You can only recharge an already active FASTag on PhonePe that you have bought from any one of the below mentioned issuer banks:

• Airtel Payments Bank
• Bank of Baroda
• City Union Bank Ltd
• Equitas Small Finance Bank
• HDFC Bank
• ICICI bank
• IDFC First Bank
• Indusind Bank
• Karur Vysya Bank
• Kotak Mahindra Bank
• Punjab National Bank
• South Indian Bank
• State Bank of India
• RBL

The name of the bank that issued your FASTag will be displayed on the left side corner of the blue strip on your FASTag.

You may see this error while recharging your FASTag on PhonePe due to one of the below reasons:

1. Your FASTag wallet is not yet activated by your bank.
2. You have selected the wrong FASTag issuer bank.
3. Usually, new vehicles are generally registered with a chassis number instead of the car registration number. Try entering your car’s chassis number in the Car Number field.

No, you can't cancel a FASTag recharge you've made on PhonePe once you've authenticated the payment using your BHIM UPI PIN.

Currently, you can only recharge your FASTag on PhonePe using BHIM UPI.

There are limits on the recharge amount per transaction and limits on the number of times you can recharge your FASTag in one day and in one month.

The recharge limits are as follows:

• Per transaction recharge limit - You can recharge your FASTag upto a maximum of ₹12,000 per transaction.
• Daily recharge limit - You can recharge your FASTag upto a maximum of 10 times in one day.
• Monthly recharge limit - You can recharge your FASTag upto a maximum of 25 times in one month.

The status of your pending FASTag recharge payment will be auto-updated within 2 working days from the date of your payment.

You can use your FASTag to make payments across toll booths on all National Highways.

We would need more details specific to the transaction with which you faced an issue. Tap on the button below to select the relevant transaction. This will help us provide a quick and appropriate resolution to your issue.

Using PhonePe to make payments for your orders or purchases on other websites or apps not only makes your payment process simple and quick, but also gives you the opportunity to win cashbacks and rewards from our various offers.

Learn more about how you can pay using PhonePe on other websites and apps

You will find the PhonePe payment option within the website or app’s payment page or screen.
The exact placement of the payment option will vary between the different websites and apps.
However, the most common are as follows:

• A separate payment option as PhonePe BHIM UPI, below the Credit Card, Debit Card, and Netbanking options
• Under the Wallets section
• Under the UPI section

If you see a Pay Now option on a website or app payment page or screen, tap on it. You will be redirected to a page or screen displaying all the payment options. The option to pay using PhonePe will be listed as either a separate option or under the wallets or UPI section.

Learn more about how you can pay using PhonePe on other websites and apps

You can pay for your orders or purchases on other websites or apps using PhonePe as follows:

1. Tap PhonePe BHIM UPI or BHIM UPI on the payment page or screen of the website or app.
2. Enter your BHIM UPI ID (VPA) , if necessary.
3. You will receive a payment request notification through an SMS and a notification within your PhonePe app. You can choose to do one of the following:
   • Tap on the link received in the SMS. You will be taken to the payments screen on your PhonePe app.
   • Open your PhonePe app. You will see a pop-up with the billing amount and the options to pay or decline. Tap Pay to make your payment.
4. Select the preferred payment mode. The available payment options are:
   • BHIM UPI
   • Debit Card
   • Credit Card
5. Enter the BHIM UPI PIN/card details, depending on the payment mode you’ve selected.
6. Tap Submit.

Important: Please ensure that you verify the amount and sender of the payment request before authorising any payment. If you do not wish to approve the payment request or if you are unaware of it, tap Decline.

If the website or app is unable to identify or verify the BHIM UPI ID, check if the ID that you’ve entered is correct. Sometimes this error can also occur due to temporary technical issues. If the issue persists, please contact us.

If you do not receive the payment request notification on your PhonePe app, please follow the below steps:

1. Open the PhonePe app and tap Notifications (bell icon) on the top right corner of the home screen.
2. Refresh the notifications screen by swiping the screen down.
3. If you still don’t see the notification, try again after closing and reopening your PhonePe app.

If you do not receive the payment request notification through SMS, please ensure the following:

• You have good mobile network connectivity.
• You have not enabled DND (Do Not Disturb) with your operator for the mobile number registered with us. You can check this by going to your Phone Settings > Apps & Notifications > Notifications > Do Not Disturb.

If you have ensured the above checks, but you still do not receive either of the payment request notifications, please make your payment using another mode. Also, tap Contact Us below to report the issue. We will investigate the matter and get back to you.

In order to authenticate the card you are trying to save on PhonePe, a 6-digit OTP is sent to your registered mobile number by the card issuing bank.

If you do not receive the OTP on your registered mobile number, check the following:

• You have good network connectivity
• You have not activated DND (Do Not Disturb) with your mobile operator for the number you have registered with us. You can check this in your Phone Settings > Apps & Notifications > Notifications > Do Not Disturb.

We take full responsibility for all issues related to your payment made using PhonePe. However, the service provider/merchant that you transacted with on their website or app will be better placed to resolve any of your order fulfilment/service-related issues.

For example, you have made a bus booking on an external app or website using PhonePe as the payment mode.

1. For any queries regarding payment pending or failure, please reach out to us.
2. For any issues, after a successful payment through PhonePe, which is related to itinerary, operator issues, bus service, refund, and so on, please reach out to the customer support of the respective merchant directly.

We would need more details specific to the transaction with which you faced an issue. Tap on the button below to select the relevant transaction. This will help us provide a quick and appropriate resolution to your issue.

We are sorry to inform you that currently we do not have an option of deleting the PhonePe account. However, you do have an option to close your PhonePe wallet and stop using the existing PhonePe account.

In that case, for your old account:

1. Please use the non-withdrawable PhonePe Wallet balance
2. Sell the PhonePe Gold (if any)
3. Raise a request for Wallet closure only if you have Zero wallet balance left

If you had a bad experience with us, please let us know by clicking on contact us and raising a request.

• KYC - Know Your Customer, refers to the norms, rules, and laws issued by RBI under which PhonePe is required to verify your personal identification details before we can provide you with services available on our platform.
• KYC documents are required for continued usage of the PhonePe Wallet.

Note: In the event we find the KYC details provided by you to be incorrect or insufficient, PhonePe retains the right to cancel your account. PhonePe is not responsible for wrong details entered by users.

No, KYC is not mandatory for new users. But, you need to complete min-KYC to use PhonePe wallet benefits like wallet top-up.

Note: Regardless of your KYC status, you will continue to receive cashbacks into your wallet. You can use this balance for making payments on the app.

Min-KYC: Updating basic details or completing your Minimum KYC refers to the self-declaration of your name and unique identification number through any of the following documents:

1. Passport
2. Driving license
3. Permanent Account Number (PAN) Card
4. Voter's Identity Card
5. Job Card issued by NREGA, duly signed by an officer of the State Government

Note: If you have completed Aadhar-based KYC before, you will see your Aadhar number in the My Profile section.

The option to complete Full KYC is currently unavailable on PhonePe. If you have already completed full KYC in the past, your full KYC status remains the same.

We treat KYC documents and information as highly sensitive data and store them securely in an encrypted format.

We ensure that the data is used by us and our partners only for services that you choose. PhonePe does not share KYC information with third-parties who you have not opted to avail services from.

Currently, there isn't an option to change KYC details once completed. However, we are working on a process that can be followed in such an instance and will keep you updated on the same.

A Default / Primary linked bank account is the account where

• You will receive all the funds that are transferred to you on PhonePe.
• You will receive all amounts withdrawn from the PhonePe Wallet.

This account will be the primary bank account associated with your BHIM UPI ID.

How to identify the Default Bank Account?

To identify the default account in the PhonePe App, go toMy Money > Bank Accounts > A Green Tick mark will be highlighted next to your default bank account.

To change the default bank account, click to highlight the Green tick next to the desired bank account.

You can save a debit/credit card on PhonePe to enable a faster payment experience.

Note: We support all domestic debit/credit cards issued by Visa, Mastercard, Maestro, Diners, American Express, and Rupay. To do so:

1. Tap My Money, and tap Bank Accounts under the Payment Methods section.
2. Tap Debit Cards or Credit Cards depending on the card you want to save.
3. Tap Add New Card.
4. Enter your card number, the validity of your card, and the CVV number.
5. Enter the OTP you receive on your registered mobile number.Note:You can choose to allow PhonePe to autofill the OTP you receive by enabling SMS permissions for PhonePe. You can do this in Phone Settings >> Apps & Notifications >> PhonePe >> Permissions.
6. Tap Confirm.

Saving your debit/credit card on PhonePe makes your card payments on the app easier and quicker saving you time. Once you save a card, you will not have to enter any of your card details like the card number, expiry date, card holder name, and so on every time you make a payment.

Important:It is not mandatory to save your card on PhonePe. You can make payments on the app even without saving your debit/credit card.

Learn more about how to save your debit/credit card on PhonePe.

When you save your debit/credit card on PhonePe, your card details will be saved in a secure encrypted format which is PCI-DSS compliant.

Important:We do not store sensitive information such as the CVV number, 3D-Secure Password, ATM PIN, and so on.

Learn more about how to save your debit/credit card on PhonePe.

In order to authenticate your card, ₹2 is deducted while saving your card on PhonePe. Please be assured that this amount will be automatically refunded to your bank account.

Learn more about the safety of your saved card details.

In order to authenticate the card you are trying to save on PhonePe, a 6-digit OTP is sent by the card issuing bank.

If you do not receive the OTP on your registered mobile number, please check the following:

• You have good network connectivity
• You have not activated DND (Do Not Disturb) with your mobile operator for the number you have registered with us. You can check this in your Phone Settings >> Apps & Notifications >> Notifications >> Do Not Disturb.

As per RBI regulations, your PhonePe Wallet will be made inactive if you’ve not used your wallet within the last 12 months for any of the following:

• Topping-up the wallet
• Paying for merchant transactions
• Withdrawing the wallet balance
• KYC

1. Tap My Money.
2. Tap PhonePe Wallet in the Wallets/Gift Vouchers section.
3. Tap Activate Wallet.
4. Enter the OTP that is sent to the mobile number registered on PhonePe.
5. Tap OK to complete verification and reactivate your PhonePe Wallet.

To close your PhonePe Wallet,

• Tap the Close Wallet button below.
• Select the reason for closing the wallet.
• Tap Confirm and Deactivate Wallet.
• Enter your PhonePe app password.
• Tap OK.

Note: You will not be able to re-activate your wallet after closure.

Important things to note about the closure of your PhonePe Wallet:

1. You can't close your wallet if you have any cashback balance
2. You can't close your wallet if you have a withdrawable balance of less than ₹5
3. You can't close your wallet if you have any pending refunds/merchant transactions
4. You will continue to receive cashbacks as gift vouchers in the wallet even after your wallet is closed. You can use this cashback amount for merchant transactions.

What happens with my wallet balance?
When you close your PhonePe Wallet, any wallet balance will be transferred back to the original source of top-up. However, in case the reversal to the original source fails, that amount will be transferred to your primary linked bank account on PhonePe.

Note: In case you have not linked a bank account to your PhonePe account, you can add a beneficiary bank account before submitting the closure request. The amount will then be credited to your beneficiary bank account.

PhonePe doesn’t allow you to transfer your PhonePe Wallet balance to another user's wallet. You can only transfer money through BHIM UPI.

You can use your PhonePe Wallet balance to recharge, pay bills and other merchant transactions on PhonePe.

Learn more about the purchase limits while using your PhonePe Wallet

Your PhonePe Wallet balance can be used for recharges, bill payments, and merchant transactions on PhonePe, and making payments at stores/shops using PhonePe.

Purchase limits:

Cashbacks received from various offers/scratch cards are added to your wallet balance.

This can be used for recharges, bill payments, and merchant transactions on PhonePe, and making payments at stores/shops using PhonePe.

Important: If an order is cancelled or a transaction fails, any cashbacks/rewards earned for making this transaction will be adjusted against the refund amount (if any). In other words, Refund amount = Transaction amount - Cashback credited
Example: Transaction Amount = ₹1000, Cashback = ₹100 => Refund amount = ₹900

Refunds are always sent back to the original payment source from which the amount was debited.
In case you made a payment using a combination of multiple payment modes and a reversal is initiated later, the respective amounts will be refunded to the different sources of payment.
Example: Total transaction amount = ₹1000. The below are the sources of payment:

• BHIM UPI = ₹700
• PhonePe Wallet = ₹200
• Airtel Money Wallet = ₹100
The total transaction amount will be refunded to the above sources respectively.

As per RBI regulations, your PhonePe Wallet will be made inactive if you’ve not used your wallet within the last 12 months for any of the following:

• Topping-up the wallet
• Paying for merchant transactions using the withdrawable wallet balance
• Withdrawing the withdrawable wallet balance
• KYC

You can reactivate a PhonePe Wallet that is inactive by completing an OTP verification on the Top-up Wallet screen.

Important: You will continue to receive cashbacks in your PhonePe Wallet which can be used for merchant transactions. However, you will not be able to use the existing wallet balance (balance as on the date of transition to inactive state) for any transactions until you reactivate the wallet.

Learn more about reactivating your PhonePe Wallet

Withdrawal limits

Top-up limits

Purchase limits

PhonePe Gift card is a prepaid instrument equivalent to cash, which can be gifted or used by a user as a payment instrument on PhonePe.

A PhonePe Gift card is different from other e-gift cards available in the following ways:

• It can be linked to your account as gift card balance and can be used as a payment instrument for any transactions on PhonePe.
• It can be used by you/your friend for any merchant transactions on PhonePe app, while a merchant specific e-gift card could only be used for transactions on the respective merchant's app.

There are two ways to buy a PhonePe Gift card on the app. Please follow the steps below to buy a "PhonePe Gift card" on the app:

1. Tap the Buy Gift Cards icon in the PhonePe app home screen.
2. Tap Buy Now next to the PhonePe gift card.
3. Enter the amount.
4. Select your preferred payment mode and complete the payment.

1. Tap My Money on the app home screen.
2. Tap PhonePe Gift Card.
3. Tap BUY NEW CARD.
4. Enter the amount.
5. Select your preferred payment mode and complete the payment.

Important:All gift cards have a validity of 1 year from the date of issue, and will expire after that if not linked to your PhonePe account within this period.

Note:You can only purchase a PhonePe Gift card of a minimum value of INR 100 and maximum value of INR 10,000 in a single transaction.

Using a purchased PhonePe gift card is very easy:

• Once you have purchased a "PhonePe Gift card", it requires to be linked to a PhonePe account in order to use/redeem it.
• You will receive a Gift card number and a PIN on a successful purchase of the PhonePe Gift card. These details will have to be entered by you / your friend while linking it to the PhonePe account.
• You can choose to link it to your own account as your PhonePe Gift card balance, which can then be used as a payment instrument while doing any merchant transactions on the PhonePe app.
• Or you can choose to share / gift it to one of your friends and they can use it in a similar way by linking it to their PhonePe account.

You can link the PhonePe Gift Card, that you have purchased, to your PhonePe account as follows:

• Tap My Money on the app homepage.
• Tap PhonePe Gift card.
• Tap CLAIM NOW next toClaim Gift Card.
• Enter the Gift card number and PIN on the popup screen.
• Tap ADD.

OR

• Tap History on app homepage.
• elect the gift card purchase transaction.
• Tap Claim Gift Card.

Your Gift Card will be instantly linked to your PhonePe account.

Note:Once you link your PhonePe Gift Card to your PhonePe account, the gift card amount gets added to your gift card balance and will not reflect as a separate gift card. If you do not wish to use your purchased gift card for transactions on PhonePe, you may choose not to link it. Also, if you select your PhonePe Gift Card as the payment mode for a transaction, PhonePe uses the total available gift card balance upto the maximum necessary for the transaction. You will not be able to choose to use a specific amount from the available gift card balance.

Important: You cannot unlink or share a gift card after linking it to your account.

Please follow the steps below to share a PhonePe Gift card with a friend having PhonePe account:

• Click on 'History' on app homepage and select the Gift card purchase transaction
• Click on 'SEND AS GIFT'
• Enter the name of the user on the popup screen with whom you wish to share the gift card & click on 'Confirm'
• Select the preferred sharing mode and share it.
• Your friend will now be able to use it by linking the gift card to his account with the shared Gift card number & PIN.

Important:You cannot share a Gift card after linking it to your account.

To link a PhonePe Gift card shared/gifted by your friend, please follow the steps below:

• Click on 'My Money' on the app homepage
• Click on 'PhonePe Gift card
• Click on 'Claim Gift Card'
• Enter the Gift card number and PIN on the popup screen
• Click on 'Confirm'

Please follow the steps below to redeem a linked gift card:

• While making a transaction on PhonePe, select 'Wallets / Gift Vouchers'
• You can choose to use / not use the gift card for the payment by clicking on 'View Details'
• Select the desired payment mode and make the payment

Important: Selecting "PhonePe Gift card" as a payment instrument will use the total available gift card balance upto the maximum necessary for the transaction. Hence, you wouldn't be able to choose to use a specific amount from the gift card balance.

Note: Using "PhonePe Gift card" balance is not allowed for the transactions where using a pre-paid instrument is forbidden by policy. For example - Wallet Top-up, using it to purchase another PhonePe Gift card etc.

You may be unable to link your PhonePe Gift card due to any one of the following reasons:

• The Gift card number & PIN entered could be incorrect. Please check and try again.
• The Gift card could have expired. Check the T&C in the Validity section of Gift card.
• If the Gift card has been shared with a friend, please check if your friend has linked the gift card with his PhonePe account.

If the issue persists, please click on the 'Contact Us' button below to raise a ticket and kindly share a screenshot of the error message displayed.

Important: While sharing the screenshot, please ensure that you DO NOT share your Gift card number or the PIN..

PhonePe Gift card cannot be canceled/returned after purchasing it.

AutoPay is a feature that allows you to enjoy the convenience of automatic payments for various services on PhonePe. After you enable AutoPay, you don’t have to worry about missing a payment due date, making a bill payment twice, or paying late fees.

Learn more about how AutoPay works.

You can set-up AutoPay on PhonePe for:

• One-time time payments (IPO services) using UPI.
• Recurring bill payments (electricity and gas bill payments, Tata Sky DTH, and OlaCab rides) using a debit or credit card.

You can set-up AutoPay for IPO services, OlaCabs rides, Tata Sky DTH recharge, and electricity and gas bill payments.

Learn more about how you can set-up AutoPay.

You can use the following payment modes to set-up AutoPay on PhonePe:

• BHIM UPI
• Credit cards (Mastercard, Visa, and Diners Club)
• Debit cards (Mastercard and Visa debit cards issued by SBI, ICICI, UTIB (Axis), HDFC, KKBK, and CITI bank)

Before requesting a new OTP to authenticate your debit or credit card, check the following:

• You have good internet connectivity.
• You haven’t activated DND (Do Not Disturb) for the mobile number that is registered with PhonePe. On your Android phone, open your device’s Settings app > Apps & Notifications > Notifications > Do Not Disturb.

To authenticate your card, ₹2 or ₹5 will be deducted (based on your card type) when you save your debit/credit card details while setting up AutoPay for OlaCabs rides, bill payments (electricity, gas) or Tata Sky DTH recharge. After authentication, we will immediately refund the amount to your account. It will take 7-9 days for the refund to reflect in your account.

If you have set-up AutoPay using UPI, you can modify the AutoPay request details on the relevant merchant’s platform. After you make the changes, you will receive a payment request on PhonePe. Check the payment request details and then tap Authorise to update the AutoPay.

If you’ve set-up the payment using a debit or credit card, then you can’t modify your AutoPay.

Once you’ve set-up AutoPay using UPI, you can’t change the payment mode. If you’ve used a debit or credit card to set-up the payment, you will have to delete your current AutoPay request and set-up a new one using a different card.

Note: Based on your card type, ₹2 or ₹5 will be deducted to authenticate your card when you set-up a new AutoPay. After authentication, we will refund your money to your account instantly.

Learn more about deleting an AutoPay request on PhonePe

You can delete an AutoPay request on PhonePe as follows:

• Tap My Money.
• Tap AutoPay under the Payment Management section.
• Select the AutoPay you want to delete.
• Tap Delete.

Payment reminders help you track and make your recurring payments on time, helping you avoid any late payment fees. After you add a payment reminder on PhonePe, we will notify you about your payment on the date you’ve set for the reminder.

At present, you can set payment reminders for rent, bill, and EMI payments, and money transfers to your savings bank account to other accounts, or to pay your household staff.

Learn more about setting a payment reminder on PhonePe.

You can set a payment reminder on PhonePe by following the steps below:

• Tap My Money.
• Tap Reminders.
• Tap Add Reminder.
• Tap Add Recipient.
• Select a contact, enter a BHIM UPI ID, or choose a bank account.
• Enter the amount.
• Choose the frequency (daily, weekly, monthly, quarterly, half-yearly, or yearly).
• Select the start date and include a message, if required.
• Tap Save.

You can delete a payment reminder on PhonePe by following the steps below:

• Tap My Money.
• Tap Reminder.
• Tap delete icon displayed for the relevant payment reminder.
• Tap Confirm in the pop-up.

We would need more details specific to the transaction with which you faced an issue while trying to topup your PhonePe Wallet. Tap on the button below to select the relevant transaction. This will help us provide a quick and appropriate resolution to your issue.

Now transferring money within your accounts is made easy. 'To Self' allows an instant fund transfer, hassle-free.

1. Click on To Self icon
2. Select the receiving bank
3. Enter the desired amount & select the remitting bank.
4. Enter the BHIM UPI PIN & confirm

Your beneficiary account will get the credit within seconds.

NOTE: this works only if both accounts are BHIM UPI enabled.

Fund transfer from BHIM UPI is hassle free but when fails its due to few reasons mentioned below:

1. When beneficiary bank's server is offline or busy.
2. Wrong BHIM UPI PIN entered.

We would need more details specific to the transaction with which you faced an issue while trying to topup your PhonePe Wallet. Tap on the button below to select the relevant transaction. This will help us provide a quick and appropriate resolution to your issue.

Asking for money is so old fashion, now let your friends simply get a notification from us.

From the app home screen:

1. Click on "Request Money".
2. Select the mobile number or a BHIM UPI ID (VPA) from the contact list.
3. Enter the amount you want to request. Add a message (optional).
4. Send your "Request".

This transaction will remain pending until the recipient pays. You will be notified once the payment is completed.

PS: You can remind the individual about the request.

Note: The maximum amount you could request on PhonePe as per the Bank limits is INR 2,000.

We would need more details specific to the transaction with which you faced an issue while trying to topup your PhonePe Wallet. Tap on the button below to select the relevant transaction. This will help us provide a quick and appropriate resolution to your issue.

Recharging your mobile is really easy. Recharge your connection or your friend's in just a few clicks:

1. Select "Mobile" from the app home page.
2. Enter the mobile number or select the mobile number you want to recharge from your phonebook.
3. Verify if the connection is prepaid / postpaid, operator name and circle displayed are correct. If not, modify them manually.
4. Enter the amount you want to recharge or choose one from the "Plans" option.
5. Select the payment method and enter your credentials. Confirm by clicking on "Recharge".

You will receive a confirmation from the service provider and a proof of payment from PhonePe.

If you have an issue with a transaction, please click on the button below to select the relevant transaction. This will help us resolve your issue more quickly.

To pay the mobile bill for a postpaid number:

1. Tap Postpaid under Recharge & Pay Bills on your app home screen.
2. The app will display your number by default. You can enter another mobile number or select a number from your contact list by tapping Change.
3. Choose your operator from the list of options available when you click on “Select operator”.
   Note: Usually, the app displays the operator based on the number you have selected.
4. Enter the bill amount.
5. Choose your preferred payment method. You can make this payment using the PhonePe Wallet, BHIM UPI, Debit/Credit card or any external wallet.
6. Tap Pay Bill.

Once your payment has been made successfully, you will receive a confirmation from the service provider, and a proof of payment from PhonePe.

Cashbacks are applicable for successful payments only. In case of refund on a recharge, the refund amount is adjusted against the awarded cashback.

For example:
You recharge for Rs.1500 and receive Rs.100 cashback. In the event of operator not confirming your recharge request, a refund will be initiated to you. The refunded amount will be Rs.1400 (1500 - 100), after adjusting the cashback.

No, you cannot cancel a recharge once you initiate a request on PhonePe. This applies to pending recharges as well.

You can request for an invoice once you have verified your email id. Please verify your email id and click on on the contact us link on this page to raise an invoice request.

We would need more details specific to the transaction with which you faced an issue while trying to topup your PhonePe Wallet. Tap on the button below to select the relevant transaction. This will help us provide a quick and appropriate resolution to your issue.

At PhonePe we currently offer the following payment solutions:

• Postpaid / Prepaid mobile
• Landline
• Broadband
• Cable TV
• DTH
• Data card
• Loan Repayments
• Electricity
• Cooking gas
• Insurance
• Water

We are working to add more service providers which will support all your needs.

If you have an issue with a transaction, please click on the button below to select the relevant transaction. This will help us resolve your issue more quickly.

You cannot cancel a bill you have already paid for.

For a pending transaction - Your transaction might be pending since we have not received a confirmation from the operator. In case the transaction fails the amount will be refunded to you. It takes 3 working days to get the final status.

If you are unable to see your operator on the PhonePe app the operator is currently not listed on our platform. We are constantly adding new operators to the PhonePe app. From recharging your Mobile, DTH and Broadband connections to paying your utility bills and shopping online and offline, use PhonePe for quick transactions and great cashbacks. Click on the link below for our best offers.

You can request for an invoice once you have verified your email id. Please verify your email id and click on on the contact us link on this page to raise an invoice request.

We would need more details specific to the transaction with which you faced an issue while trying to topup your PhonePe Wallet. Tap on the button below to select the relevant transaction. This will help us provide a quick and appropriate resolution to your issue.

The refund is always an auto-reversal of the same amount which was paid. In cases where the cashback is processed for the transaction, the refund will be processed post the deduction of the cashback. This is done on pro rata basis.

• Click on the “Gift Cards” icon in the 'Buy on PhonePe' section
• Select the category of your choice from various options available (Example - Apparel, Accessories, Food and Beverages, etc.)
• From the category selected choose your preferred brand/Merchant gift card (ex- Lifestyle, Flipkart, Coffee Day, KFC, etc.)
• You can review the applicable terms and conditions of the gift card by clicking on 'View Details'
• Load the gift card with the desired amount
• Choose the payment method of your choice i.e. UPI, Debit or Credit Card, enter your credentials and confirm the gift card purchase by clicking on 'Pay'.
• You will receive a confirmation SMS and email along with the gift card details.

After you purchase a gift card, you can share it with friends and family by clicking on the 'Share' button

The gift card can be shared via WhatsApp, Facebook, email or any other available option of your choice

You can only purchase a gift card via UPI or Debit or Credit Card. PhonePe wallets cannot be used to purchase a gift card.

The terms and conditions applicable define how the gift card can be redeemed.

Please be sure to review the terms and conditions of the gift card you want to purchase by clicking on 'View Details'. The view details option, by default, is displayed just below the gift card name.

You can redeem the gift card at merchant stores such as Lifestyle, Pantaloons, etc. or online on Flipkart, Myntra, etc. even if the email ID registered on PhonePe and the email ID registered on the merchant website or the app are different.

The Gift Card code and PIN are the only details required to use the gift card for any purchase.

Brand/Merchant terms and conditions determine if you can combine the gift card with any other payment option. Please check with the Brand/Merchant before making a purchase.

This depends on the type of gift card that you have purchased. Please check the terms and conditions of the card purchased by clicking on 'View Terms' to know if your gift card can be redeemed online or offline.

This depends on the gift card that you have purchased. Please check the terms and conditions of the card purchased by clicking on 'View Details' to know if your gift card balance can be used partially.

Yes, most gift cards expire within 12 months from the date of purchase. Please check the terms and conditions of the card purchased by clicking on 'View Terms' to check the validity of the gift card you have purchased.

You can now pay your child’s school fees through the PhonePe app using his/her school registration number.

Please note that as of now, only certain schools in Delhi and Gurgaon region would be accepting fee payments via PhonePe app.

Please follow the below steps to pay the school fees:

• Tap ‘Fees’ on the home screen under the ‘Recharge and Pay Bills’ section
• Select the state and the city of the school
• Select the school name from the displayed list or search for it in the search bar
• Enter the student’s registration number provided by the school
• Select the fee type and tap ‘Continue’
• The total payable amount (inclusive of the convenience fee and GST) will be displayed on the payment screen
• Select your preferred payment mode to complete the payment

Important: The fee period and the fees amount displayed on the app equals the total payable amount as per the school’s system information. There is no option available to edit the duration or fees amount for a partial payment.

Note:Payments via PhonePe wallet and Credit Cards are disabled for this service.

Please note that as of now, only certain schools in Delhi and Gurgaon region would be accepting fee payments via PhonePe app. You may select one from the list of schools available for that city or search for the school name in the search bar above. If you don’t find a specific school, we might not have registered them for this service on PhonePe app.

If you would want PhonePe to add any school to our network, please click on the “Contact Us” button below and provide the following details:

1. Name of the school
2. Phone number of the school

We will pass this information to the relevant team to add it to our network.

PhonePe would charge you a minimal convenience fee to enable the fee payments. This convenience fee would vary based on the selected payment instrument.

Below are the different convenience fees applicable (inclusive of GST) based on the payment mode:

• UPI: Rs. 13.57
• Debit Card: Rs. 13.57

Note: Payments via PhonePe wallet and Credit Cards are disabled for this service.

We would require more details specific to the transaction that you faced an issue with.

Please tap the button below to select the relevant transaction. This will help us in providing a quick and appropriate resolution to your issue.

The Donate option on PhonePe allows you to securely make donations to the NGOs listed on the app. You can make your donations using UPI, debit card, or your PhonePe Wallet. For every donation, you will receive an 80G certificate issued by our partner, GiveIndia. With this certificate, you can claim a tax exemption on 50% of the donated amount.

You can donate a minimum of ₹10 and a maximum of ₹50,000 per transaction to any of the NGOs listed on the app.

Note: For any donation exceeding ₹50,000 in one year, through a single or multiple donations, you will need to submit your PAN Card details to our partner, GiveIndia. They will contact you on the email ID provided by you to collect the details.

Learn more about making a donation on PhonePe How do I make a donation on PhonePe?

An NGO is a non-profit organisation, registered as per the law, that works towards the betterment of society.

You can donate a minimum of ₹10 and a maximum of ₹50,000 per transaction to any of the NGOs listed on the app.

Note:For any donation exceeding ₹50,000 in one year, through a single or multiple donations, you will need to submit your PAN Card details to our partner, GiveIndia. They will contact you on the email ID provided by you to collect the details.

Learn more about making a donation on PhonePe How do I make a donation on PhonePe?

You must be a citizen of India to donate to any of the listed NGOs on the PhonePe app.

Learn more about making a donation on PhonePe How do I make a donation on PhonePe?

To make a donation to an NGO listed on PhonePe:

1. Tap Donate under Recharge & Pay Bills on your app home screen.
2. Select an NGO from the available list.
3. Enter the following:
   • The name as you want it to appear on the 80G certificate
   • The email ID where you want to receive the 80G certificate
4. Enter the amount that you want to donate.
5. Select the payment mode. You can make the payment using UPI, debit card, or your PhonePe Wallet.
6. Tap Donate and authorise the payment.

Once your donation is successful, you will receive an 80G certificate from GiveIndia for the total amount of your donation.

Learn more about 80G certificate What is an 80G certificate?

No, you will not be able to cancel a donation made on the PhonePe app.

1. You can make multiple donations to different NGOs listed on PhonePe from the same account.
2. You can make multiple donations to the same NGO from the same account.
3. You can make multiple donations to the same NGO from different accounts.

No, you will not be able to make an anonymous donation. As per the law, it is mandatory to provide a name while making a donation.

An 80G certificate is a tax exemption certificate awarded to individuals who make donations to registered charitable trusts, NGOs, and organisations. If you make donations to any of the listed NGOs on PhonePe, you will receive an 80G certificate from GiveIndia through which you can claim a tax exemption on 50% of the donated amount.

Your 80G certificate will reflect the same details that you provide while making your donation. If any details such as your name, email ID, amount, or date are incorrect, please contact GiveIndia Support by writing to them at [email protected] or you can call them on +91 7738714428.

No, your 80G certificate can only be sent to the email ID that you provide while making your donation.

Our partner, GiveIndia, will retain 10% of your total donated amount (11% for donations towards AARTI) for operating expenses. However, if you would like more information about the amount, please contact GiveIndia by writing to them at [email protected] or you can call them on +917738714428.

Note: Your 80G certificate will be issued for the total donated amount.

You can book a gas cylinder through Bharat Gas, HP Gas and Indane.
Steps are as below,

1. Tap Book a Cylinder in the Recharge and Pay Bills section.
2. Select your gas provider. You can book a cylinder through:
   • Bharat Gas
   • HP Gas
   • Indane
3. Enter the relevant details.
If you’re booking a cylinder through HP Gas, select your State, District, Agency and enter your 6-digit consumer number.
For bookings through Bharat Gas or Indane, enter your registered mobile number or the 17-digit LPG ID.
4. The amount to be paid will be fetched. Select the payment instrument and tap Pay.

You can make a payment for a cylinder booking using UPI, Debit card, Credit card or PhonePe wallet.

You can find your Consumer number / LPG ID on the cash memo/receipt received at the time of a previous delivery.

• HP Gas: To locate your 6 digit consumer no, refer to this sample :




• Bharat Gas: To locate your 17 digit LPG ID, refer to this sample
  
  
  
  
• Indane Gas: To locate your 17 digit LPG ID, refer to this sample
  
  

Once you have paid for your cylinder booking on PhonePe, it takes up to 3-5 working days for the cylinder to get delivered. For further details on the cylinder delivery date, contact your as distributor/ agency or gas provider.

• Bharat Gas at 1800-2243-44 (toll-free)
• HP Gas at 1800-2333-555 (toll-free)
• Indane Gas at 1800-2333-555 (toll-free)

The payment receipt for your cylinder booking will be sent to your registered email ID on PhonePe. If you need a physical bill from the distributor/ Agency, make sure to collect it from the delivery executive at the time of delivery of the gas cylinder.

If you are eligible for the government subsidy on gas cylinder, it will be credited to your bank account by your gas provider within 2 working days. The amount you pay at the time of booking the cylinder does not include this subsidy. In case you have not received this subsidy, contact your distributor/ agency or gas provider for assistance.

• Bharat Gas at 1800-2243-44 (toll-free)
• HP Gas at 1800-2333-555 (toll-free)
• Indane Gas at 1800-2333-555 (toll-free)

Once you make a cylinder booking, it cannot be cancelled. For any further assistance contact your distributor/ agency or gas provider.

• Bharat Gas at 1800-2243-44 (toll-free)
• HP Gas at 1800-2333-555 (toll-free)
• Indane Gas at 1800-2333-555 (toll-free)

The price of the gas cylinder can change from time to time. If the price you paid for the gas cylinder is not matching with the amount on the physical bill handed over to you by the delivery executive, please pay or collect the difference in amount, as applicable

For example, you have paid INR 750 on PhonePe for booking a cylinder. However, the amount on the physical bill you received at the time of delivery of the cylinder is INR 700. In this case, you will need to collect the remaining amount of INR 50 from the delivery executive.

For further assistance with this, contact your distributor/ agency or gas provider.

• Bharat Gas at 1800-2243-44 (toll-free)
• HP Gas at 1800-2333-555 (toll-free)
• Indane Gas at 1800-2333-555 (toll-free)

As proof of your booking, provide the biller reference ID to your agency. You can check the transaction confirmation screen or the Transaction history page on the PhonePe app for the same. If the booking is still not being acknowledged, contact your gas provider for assistance.

• Bharat Gas at 1800-2243-44 (toll-free)
• HP Gas at 1800-2333-555 (toll-free)
• Indane Gas at 1800-2333-555 (toll-free)

You need to return an empty cylinder in exchange for the delivery of a new one. Your gas distributor will reschedule the delivery in case you don’t have an empty cylinder. Contact your Gas LPG distributor or gas provider for assistance.

• Bharat Gas at 1800-2243-44 (toll-free)
• HP Gas at 1800-2333-555 (toll-free)
• Indane Gas at 1800-2333-555 (toll-free)

If you have any issues with the delivery, contact your gas distributor/ agency or gas provider for assistance.

• Bharat Gas at 1800-2243-44 ( toll-free)
• HP Gas at 1800-2333-555 (toll-free)
• Indane Gas at 1800-2333-555 (toll-free)

This may happen due to one of the reasons below:

• You have selected an incorrect agency/ distributor (HP gas only)
• Your consumer number/ LPG ID is not active
• You may have entered an invalid consumer number. To know your consumer number/ LPG ID, refer to the cash receipt received at the time of delivery.

• Bharat Gas at 1800-2243-44 ( toll-free)
• HP Gas at 1800-2333-555 (toll-free)
• Indane Gas at 1800-2333-555 (toll-free)

Google Play recharge code is a code through which you would be able to top up your google play account and enjoy playing games, purchase books, music & more.

You can use your Google Play recharge code to top up your google play account and play games, purchase books, music and more.

To redeem your Google Play recharge code,

1. Open your Play Store app
2. Go to the left menu and tap on Payment methods
3. Tap on Redeem code under Add payment method
4. Enter the recharge code and tap Redeem

You can purchase a Google Play Recharge code for any amount between Rs.100 and Rs. 5000.

No, you can’t cancel a Google Play recharge code once you make a successful payment.

Your Google Play recharge code will be sent to you on SMS and to your registered email ID after you purchase one on PhonePe.

You can request for an invoice once you have verified your email id. Please verify your email id and click on the contact us link on this page to raise an invoice request.

If you’re facing an issue with a transaction, tap Select A Transaction below and tell us about your issue. Our support team will get back to you.

With the Disney + Hotstar VIP subscription, you get access to all live sports, such as cricket, football, premier leagues, formula 1, tennis, and much more. You also get access to the latest episodes of Indian TV shows at 6 AM everyday, new Indian movie premieres, Disney+(for active subscribers), and exclusive Hotstar specials (Indian).

Note: VIP subscription will not give you access to Hollywood movies and American TV shows.

Please feel free to reach out to Disney+ Hotstar at [email protected] for more details.

With the Disney + Hotstar VIP subscription, you get access to all live sports, such as cricket, football, premier leagues, formula 1, tennis, and much more. You also get access to the latest episodes of Indian TV shows at 6 AM everyday, new Indian movie premieres, Disney+(for active subscribers), and exclusive Hotstar specials (Indian).

Note: VIP subscription will not give you access to Hollywood movies and American TV shows.

Please feel free to reach out to Disney+ Hotstar at [email protected] for more details.

Disney+ Hotstar membership is only available in India. Disney+ Hotstar premium videos can be viewed on desktops, Android & iOS devices, and on all living room devices (Amazon Fire TV, Android TV, Apple TV, and Google Chromecast).

Please feel free to reach out to Disney+ Hotstar at [email protected] for more details.

Currently we do not support more than one screen with a Disney+ Hotstar membership. This is to ensure that your membership is not misused.

In case you see an error that you are trying to access premium from more than one device, please check if you are already streaming a premium video at the same time from another device. To enable watching premium videos, make sure you have stopped video streaming on the other device, then refresh your current device to enable the video.

Please feel free to reach out to Disney+ Hotstar at [email protected] for more details.

You cannot upgrade from Disney+ Hotstar VIP to Disney+ Hotstar Premium by paying the difference in the subscription cost. You can instead upgrade to Disney+ Hotstar Premium by buying the subscription at its complete cost.

For any further clarification, you can reach out to Disney+ Hotstar Premium at [email protected].

Yes, your subscription charges are inclusive of taxes.

Please feel free to reach out to Disney+ Hotstar at [email protected] for more details.

Yes, you can watch Disney+ Hotstar on your Smart TV using Google Chromecast, Amazon Fire TV, Android TV and Apple TV.

Disney+ Hotstar plans to support more smart TV apps in the near future. Watch out for updates on the Disney+ Hotstar website!

Please feel free to reach out to Disney+ Hotstar at [email protected] for more details.

Subscription charges are billed at the beginning of each billing period.
Subscription charges for the Disney+ Hotstar VIP and Disney+ Hotstar Premium Annual plan are non-refundable.

For any payment related issues, please contact PhonePe customer care. For any access related issue on Disney+ Hotstar, please write to [email protected]

Please feel free to write to Disney+ Hotstar at [email protected] with any feedback or queries. In case you are a subscribed user, do not forget to mention your email and mobile number as it will help Hotstar reach out to you quickly.

Currently, you can only purchase annual plans for Disney+ Hotstar VIP and Disney+ Hotstar Premium on PhonePe.

Please feel free to reach out to Disney+ Hotstar at [email protected] for more details.

Once you have successfully made the payment on the PhonePe platform, your subscription will get activated on the phone number you used while buying the subscription.

You can visit the Disney+ Hotstar app or website and login using the same phone number and the OTP that is sent to you.

Please feel free to reach out to Disney+ Hotstar at [email protected] for more details.

No, Disney+ Hotstar does not allow cancellations on activated subscriptions at the moment.

Please feel free to reach out to Disney+ Hotstar at [email protected] for more details.

Yes, you can buy a Disney+ Hotstar Premium subscription even if you have an active Disney+ Hotstar VIP subscription.

Note: Once your Disney+ Hotstar Premium subscription expires, you will be downgraded to the Disney+ Hotstar VIP subscription, if it is still active.

Please feel free to reach out to Disney+ Hotstar at [email protected] for more details.

You can view your cable TV bill amount on PhonePe by following the steps below:

• Tap Cable TV under the Recharge and Pay Bills section.
• Select your cable TV service provider, if listed.
• Enter the account number/cable ID/VC (Viewing Card) number.

Learn more about how you can identify your cable ID/account/VC number and pay your cable TV bill on PhonePe

You can pay your cable TV bill on PhonePe by following the steps below:

• Tap Cable TV under the Recharge and Pay Bills section.
• Select your cable TV service provider, if listed.
• Enter your account number/cable ID/VC (Viewing Card) number to view your bill amount.
• Select a preferred payment mode and make the payment.

Learn more about how you can identify your cable ID/account/VC number

For most cable TV connections, you can find the cable ID/account/VC (Viewing Card) number on a label or sticker on the back panel of your set-up box.

The cable TV service provider that you’re looking for may not be listed on PhonePe yet. Check back on the app regularly as we’re always adding new cable TV service providers.

Yes, you can pay your cable TV bill in advance on PhonePe.

If you’ve paid your cable TV bill twice, the extra amount paid will be adjusted during the next billing cycle.

If you see that your cable TV payment is pending, it means that we’re waiting on a payment confirmation from your cable service provider. Typically, cable service providers take up to 48 hours to share an update with us. Check History on your PhonePe app after 48 hours for the cable bill payment status.

If your cable TV bill payment is successful, the biller will update the status on their portal within 2 days from the date of successful payment. If your bill payment fails for any reason, we will refund the amount to you.

This may happen due to technical issues at the provider’s end. We suggest that you try again in some time.

Note: If your money is deducted for a failed bill payment, you will receive a refund for the entire amount. The time taken for refunds to reach you will depend on the payment method you used to make the recharge and the refund timelines are as follows:

• UPI: 24 hours
• Wallet: 24 hours
• PhonePe Gift Card: 24 hours
• Debit/Credit Cards: 7-9 days

You can’t cancel a cable TV bill payment once you have made the payment. If you have recharged twice on an account, the excess amount gets updated in the next billing cycle. If your bill payment fails for any reason, we will refund the amount to you.

If your cable TV is disconnected after you’ve paid your bill, please contact your Cable TV provider for assistance with the BBPS Transaction ID visible on the transaction details page in the 'History' section of PhonePe app.

We send the invoice to your registered email address as soon as you complete a cable TV bill payment on PhonePe. If you haven’t received the invoice, tap Contact us to request for it.

Note: Ensure that you’ve verified the email address that is registered with PhonePe to receive the invoice.

We identify and auto-apply the best offer for any payments you make on PhonePe to ensure that you receive maximum benefits and don’t miss out on exciting offers. The applied offer will determine the type of reward (cashback, or a scratch card that can help you win offers/cashback/coupon) you will receive for your payment. You can check the View All Offers section of your PhonePe app to know which offers you can currently avail as the offers vary from user to user.

Note: You can apply coupon codes (won as a reward on PhonePe) while making a payment on any PhonePe Switch apps or the merchant’s website/app.

Learn more about how to tell if your payment is eligible for an offer

If your payment meets the offer terms and conditions, a green strip with the message ‘Best offer applied’ will be displayed when you initiate the payment.

Learn more about the type of rewards you can win on PhonePe

You can win the following types of rewards on PhonePe:

• Cashback - You can win cashback as per the offer terms and conditions for any payment you make using PhonePe. This amount will get added to your non-withdrawable (gift voucher) PhonePe Wallet balance. You can use this balance for any payments (excluding person-to-person payments and wallet withdrawal) you make using PhonePe. However, you can’t withdraw this amount to your linked bank account on PhonePe or transfer it to another PhonePe user.  


• Scratch cards - You may receive a scratch card for any payment, if it meets the offer terms and conditions. On playing a scratch card, you can win any one of the following:
  • Cashback - You can use the cashback amount for any payment (excluding person-to-person payments and wallet withdrawal) you make using PhonePe. 
  Note : You can’t withdraw the cashback amount to your linked bank account on PhonePe or transfer it to another PhonePe user. 
  • Offers - The offer you win on playing a scratch card will be auto-applied if any of your payments on PhonePe meet the offer terms and conditions.
  • Coupon - You can enter your coupon code at the time of making a payment on any of the PhonePe Switch apps or the merchant’s website/app to avail discount

Important: You may sometimes see the ‘Better luck next time’ message which unfortunately means that the scratch card did not win you any reward.

PhonePe’s system is designed to auto-apply the best available offer provided your transaction meets the existing offer terms and conditions. Hence you would not be able to select a specific offer.

Note:You may be able to apply coupon codes (won as a reward on a previous PhonePe transaction) while initiating a transaction on any of the apps displayed in the Switch section of PhonePe.

You will receive a reward for making a payment on PhonePe only if your payment meets the offer terms and conditions. If you want to check why your payment was not eligible for any offer, please check the View All Offers section of your PhonePe app to read the offer terms and conditions. In case you find that your payment was eligible for an offer, but it wasn’t auto-applied, contact our customer support team for assistance.

Note: If you saw the Best offer applied message while making a payment, but haven’t received the reward, we request you to wait for 24 hours from the time you made the payment. You will receive your reward within 24 hours.

Learn more about how you can check if an offer has been auto-applied for a payment you made using PhonePe

As we auto-apply the best offer for a payment, you may have won cashback, received a scratch card, or availed an instant discount. Here’s how you can check what you’ve won/received:

• Cashback/Instant discount - Tap History on the PhonePe home screen and then, tap on the relevant transaction to know if you have won cashback or availed an instant discount. 
• Scratch cards - Tap Rewards on the PhonePe home screen to check if you’ve received a scratch card for your payment. If you’ve received a scratch card, tap the card and swipe back and forth to know what you’ve won.

Note: Sometimes, you may see the Better luck next time message after playing a scratch card, which means that you haven’t won any reward.

We auto-apply the best offer for any payment you make on PhonePe. If you feel that an incorrect offer was applied, you can raise a ticket by following the steps below and we will look into it:

1. Tap Select a transaction. 
2. Tap Cashback related or Cashback/Scratch Card offers related.
3. Select a relevant option.

We identify and auto-apply the best offer for any payments you make on PhonePe to ensure that you receive maximum benefits. 

If you think that the cashback you’ve received for your payment is lower than the cashback amount that was displayed on the offer banner, then do check the offer terms and conditions. For most offers, the cashback value displayed on the banner is the maximum cashback that a user can win. To read the offer terms and conditions, tap View All Offers on the PhonePe app home screen. 

After you play a scratch card, we instantly display what you have won. In some instances, we may require more time than usual. We request you to wait for 24 hours from the time you received the scratch card to know what you have won.

Please follow the below steps to unlock a coupon code:-

• Tap on the View My Rewards section available in the Home page.
• Select the unscratched card and play it to see the coupon reward.
• Tap Unlock Coupon and select Yes on the disclaimer page.
• The coupon code will be unlocked and it will expire on the mentioned date.

Your coupon reward will expire after the given time and you would not be able to redeem it again.

The Refer and Earn offer is an exciting way to earn cashback for referring anyone you know to download and install PhonePe.

Learn more about how you can invite anyone to install and use PhonePe?

You can invite anyone to install and use PhonePe by following the steps below:

1. Open PhonePe.
2. Tap Refer & Earn.
3. Select a channel through which you would like to send an invite.
4. Select the invitees and tap Send.

The invitees will receive a message with your referral link. They will need to tap your referral link to download and install PhonePe.

You can invite anyone you know to install and use PhonePe.

Learn more about how you can invite anyone to install and use PhonePe

You will receive cashback only after the person you’ve referred has installed the app using your referral link, and has transferred a minimum of ₹100 to another PhonePe user. To know if you’ve received a scratch card for referring someone to PhonePe, check the rewards section of your PhonePe app.

If you’ve received a scratch card, tap the card, and swipe back and forth to know how much you’ve won. After you play the scratch card, we will process the cashback amount to your PhonePe Wallet. This amount will be credited within 24 hours from the time you played the scratch card. In case, you don’t receive the cashback amount within 24 hours, tap Contact Us to raise a ticket and we will assist you.

Learn more about why you haven’t received a scratch card for a referral?

You will receive cashback for referring your friend or family member only if the terms and conditions listed below are met:

1. Your friend or family member has used your referral link to download PhonePe.
2. After installing the app, your friend or a family member has registered on PhonePe and created an account.
3. After creating an account, your friend or a family member has linked their bank account on PhonePe and sent a minimum of ₹100 using UPI to another PhonePe user.

The person you referred will receive cashback only if the Refer & Earn offer T&Cs specify that both the referrer(you) and the invitee (the person you referred) are eligible for cashback. Please check the offer terms and conditions to know more.

Learn more about PhonePe offer terms and conditions.

We identify and auto-apply the best offer for any payments you make on PhonePe to ensure that you receive maximum benefits. 

If you think that the cashback you’ve received for your payment is lower than the cashback amount that was displayed on the offer banner, then do check the offer terms and conditions. For most offers, the cashback value displayed on the banner is the maximum cashback that a user can win. To read the offer terms and conditions, tap View All Offers on the PhonePe app home screen. 

If the app is unable to identify or verify the UPI ID, please check if the UPI ID that you have entered is correct. Sometimes this error can also occur due to a temporary technical issue. In these cases, please try again later and reach out to us if the error persists.

If you do not receive the Collect request notification on PhonePe app, please follow the below steps:

• Open the PhonePe app and click on Notifications (bell icon) on the top right corner of homepage
• Refresh the Notifications page by pulling the screen down
• If you still don’t get the notification, retry after closing and reopening the app
• Also ensure that you have proper internet connectivity

If you do not receive the Collect request notification via SMS, please check the following:

• Ensure that you have a good signal strength
• Ensure that you have not enabled DND (Do Not Disturb) with your operator for the mobile number registered with us. You can check this by going to your Phone Settings >> Apps & Notifications >> Notifications >> Do Not Disturb.

If you have ensured the above checks, but still do not receive both of the payment request notifications, please make the payment via any other mode. Also, click on the “Contact Us” button below to report the issue. We will investigate the matter and get back to you.

If you do not receive an OTP to your mobile number:

• Please ensure good network connectivity
• Please ensure that you have not activated DND (Do Not Disturb) with your operator for the mobile number registered with us. You can check this by going to your Phone Settings >> Apps & Notifications >> Notifications >> Do Not Disturb.

If the problem persists, please retry after sometime with good signal strength.

The ‘Scan QR’ feature lets you use your smartphone to scan a PhonePe or any BHIM UPI QR code and make a payment without ever having to disclose your personal or bank details.

Tap on the QR code icon present on the top right corner of PhonePe app homepage to access the Scan QR feature.

Making a payment by scanning a QR code is very simple. Please follow the below steps to do so:

If you are unable to scan the QR code -

• Try scanning the QR code by varying its distance from your phone
• Ensure that QR Code is in a bright area
• Ensure that you are using the latest app version
• Ensure that you have proper internet connectivity
• Ensure that your camera is not being used by another app
• Retry after closing and reopening the app

If the issue persists, kindly go through the following troubleshooting steps:

1. On your Android phone or tablet, open your Phone Settings
2. Tap 'Apps & notifications'
3. Select 'Google Play Services' (search in all apps and scroll to G alphabet)
4. Tap 'Storage'
5. Tap 'Clear cache'
6. Tap 'Clear storage' > ‘Clear all data’ > ‘OK’
7. Open PhonePe app > Open QR scan page and wait for 2 minutes (ensure good internet connection)
8. Try scanning the QR now
9. If still unable to scan, Switch off the device & switch on again
10. Open PhonePe app > Open QR scan page and try scanning the QR now
11. If still unable to scan, close/kill the app from background running apps
12. Wait for 5 minutes (needs proper internet connection)
13. Now again open QR scan page and try scanning the QR now

If you are still unable to scan the QR code, please click on the ‘Contact Us’ button below and provide us with the following details:

1. Name of the store
2. Address of the store (optional)
3. Phone number of the merchant (optional)
4. Attach a picture of the QR code

We will investigate the issue with the store based on the information provided by you.

If you find a store listed in the “Stores” section of PhonePe app OR see a PhonePe QR code at the store, but the store/merchant denies to accept payment via PhonePe, please click on the ‘Contact Us’ button below and provide the following details:

1. Name of the store
2. Address of the store (optional)
3. Phone number of the merchant (optional)
4. Reason why the store has declined to accept payments through PhonePe.

We will investigate the issue with the store based on the information provided by you.

Few stores require you to make the payment via a collect request received on your PhonePe app. Below are the steps to be followed for payments at such stores:

• Store biller would request your PhonePe registered mobile number
• Your mobile number will be entered into the device/terminal and they will ask you to wait for the collect request notification
• You will receive a payment request notification via SMS and an app notification in your phone.
  • Click on the link received in the SMS, and you will be taken to the payment screen on the PhonePe app
  • Or, you can launch the PhonePe app. You will see a pop-up with the billing amount and 2 options - “PAY” & “DECLINE”. Click “PAY” to make the payment
• Choose the preferred mode of payment
• Enter the BHIM UPI PIN / Card details & click Submit
• Once the payment is successful, you will see a success confirmation page

Important: Make sure you complete the payment process as quickly as possible or your payment might fail in case it is not received by the merchant within a specific duration of time (maximum 180 seconds).

Note: In case you do not wish to approve this request or are unaware of this request, please click the “DECLINE” button.

If the store accepts payment via PhonePe but is facing some technical issue with the device/terminal, please click on the ‘Contact Us’ button below and provide the following details:

1. Name of the store
2. Location of the store
3. Contact number of the merchant (if possible)

We will investigate the issue with the store based on the information provided by you.

If you do not receive the Collect request notification on PhonePe app, please follow the below steps:

• Ensure that you have proper internet connectivity
• Open the PhonePe app and click on Notifications (bell icon) on the top right corner of homepage
• Refresh the Notifications page by pulling the screen down
• If you still don’t get the notification, retry after closing and reopening the app

If you do not receive the Collect request notification via SMS, please follow the below steps:

• Ensure that you have a good signal strength
• Ensure that you have not enabled DND (Do Not Disturb) with your operator for the mobile number registered with us. You can check this by going to your Phone Settings >> Apps & Notifications >> Notifications >> Do Not Disturb.

If you have ensured the above checks, but still do not receive both of the payment request notifications, please request the store to resend the collect request.

If the problem persists, please make the payment via any other mode. Also, click on the “Contact Us” button below to report the issue. We will investigate the matter and get back to you.

We would need more details specific to the transaction with which you faced an issue while trying to topup your PhonePe Wallet. Tap on the button below to select the relevant transaction. This will help us provide a quick and appropriate resolution to your issue.

We identify and auto-apply the best offer for any payments you make on PhonePe to ensure that you receive maximum benefits and don’t miss out on exciting offers. The applied offer will determine the type of reward (cashback, or a scratch card that can help you win offers/cashback/coupon) you will receive for your payment. You can check the View All Offers section of your PhonePe app to know which offers you can currently avail as the offers vary from user to user. 

Note: You can apply coupon codes (won as a reward on PhonePe) while making a payment on any PhonePe Switch apps or the merchant’s website/app.

Learn more about how to tell if your payment is eligible for an offer

If your payment meets the offer terms and conditions, a green strip with the message ‘Best offer applied’ will be displayed when you initiate the payment. 

Learn more about the type of rewards you can win on PhonePe

You can win the following types of rewards on PhonePe:

• Cashback - You can win cashback as per the offer terms and conditions for any payment you make using PhonePe. This amount will get added to your non-withdrawable (gift voucher) PhonePe Wallet balance. You can use this balance for any payments (excluding person-to-person payments and wallet withdrawal) you make using PhonePe. However, you can’t withdraw this amount to your linked bank account on PhonePe or transfer it to another PhonePe user.  


• Scratch cards - You may receive a scratch card for any payment, if it meets the offer terms and conditions. On playing a scratch card, you can win any one of the following:
  • Cashback - You can use the cashback amount for any payment (excluding person-to-person payments and wallet withdrawal) you make using PhonePe. 
  Note : You can’t withdraw the cashback amount to your linked bank account on PhonePe or transfer it to another PhonePe user. 
  • Offers - The offer you win on playing a scratch card will be auto-applied if any of your payments on PhonePe meet the offer terms and conditions.
  • Coupon - You can enter your coupon code at the time of making a payment on any of the PhonePe Switch apps or the merchant’s website/app to avail discount

Important: You may sometimes see the ‘Better luck next time’ message which unfortunately means that the scratch card did not win you any reward.

You will receive a reward for making a payment on PhonePe only if your payment meets the offer terms and conditions. If you want to check why your payment was not eligible for any offer, please check the View All Offers section of your PhonePe app to read the offer terms and conditions. In case you find that your payment was eligible for an offer, but it wasn’t auto-applied, contact our customer support team for assistance.  

Note: If you saw the Best offer applied message while making a payment, but haven’t received the reward, we request you to wait for 24 hours from the time you made the payment. You will receive your reward within 24 hours. 

Learn more about how you can check if an offer has been auto-applied for a payment you made using PhonePe

As we auto-apply the best offer for a payment, you may have won cashback, received a scratch card, or availed an instant discount. Here’s how you can check what you’ve won/received:

• Cashback/Instant discount - Tap History on the PhonePe home screen and then, tap on the relevant transaction to know if you have won cashback or availed an instant discount. 
• Scratch cards - Tap Rewards on the PhonePe home screen to check if you’ve received a scratch card for your payment. If you’ve received a scratch card, tap the card and swipe back and forth to know what you’ve won.

Note: Sometimes, you may see the Better luck next time message after playing a scratch card, which means that you haven’t won any reward.

We auto-apply the best offer for any payment you make on PhonePe. If you feel that an incorrect offer was applied, you can raise a ticket by following the steps below and we will look into it:

1. Tap Select a transaction. 
2. Tap Cashback related or Cashback/Scratch Card offers related.
3. Select a relevant option.

We identify and auto-apply the best offer for any payments you make on PhonePe to ensure that you receive maximum benefits. 

If you think that the cashback you’ve received for your payment is lower than the cashback amount that was displayed on the offer banner, then do check the offer terms and conditions. For most offers, the cashback value displayed on the banner is the maximum cashback that a user can win. To read the offer terms and conditions, tap View All Offers on the PhonePe app home screen. 

After you play a scratch card, we instantly display what you have won. In some instances, we may require more time than usual. We request you to wait for 24 hours from the time you received the scratch card to know what you have won.  

You can use the “Stores” feature to find nearby stores where PhonePe is accepted as a payment option. You can use it to find nearby stores in different categories like Food, Health, Shopping etc and the offers available in these stores.

Please scroll the screen down to find :

• The store image, location and contact information for each of those
• The available offers in these stores
• Additional information like open/close time, directions etc

You can search for the desired stores by selecting the following available filters:

1. Food
2. Healthcare
3. Shopping
4. Utilities
5. Travel
6. Others

We only display upto 50 nearest stores that are within 25 kms. of your selected location. If you are not able to see a store, it can either be very far from you or it may not be a part of our merchants network.

If you would want PhonePe to add any store to our network, please click on the “Contact Us” button below and provide the following details:

1. Name of the store
2. Address of the store
3. Phone number of the store

We will pass this information to the relevant team to add it to our merchant network.

With PhonePe, you can now purchase certified 24 karat gold for an amount as low as ₹1. After you purchase gold on PhonePe, the gold provider will physically store it in an insured and secure vault until you choose to have the gold delivered to you.

Important: Your purchased gold balance on PhonePe will be displayed in grams up to 4 decimal places.

Note: To get your gold delivered, you should have bought at least 0.5 grams of gold from SafeGold or 1 gram of gold from MMTC-PAMP on PhonePe.

SafeGold is a Digital Gold India Private Limited company which sells 24 karat gold that is 99.5% pure. We have partnered with SafeGold to help you purchase and store 24 karat gold in insured and secure vaults. Here’s why we chose SafeGold as a gold provider:

MMTC-PAMP is a joint venture between MMTC Ltd., a Government of India undertaking and PAMP SA, Switzerland, a global leader in precious metals with a 40-year lineage. This company is India's first and only refinery to be accredited by the London Bullion Market Association (LBMA). We have partnered with MMTC-PAMP to help you purchase certified 24 karat gold that is 99.9% pure.

Here’s why you should purchase gold from MMTC-PAMP:

• You get gold that is internationally accepted and comes with an unquestionable guarantee on weight and purity.
• You enjoy an attractive and convenient buy-back rate.

We have partnered with SafeGold and MMTC-PAMP to help you buy certified 24 karat gold. SafeGold sells 24 karat gold that is 99.5% pure, while MMTC-PAMP sells 24 karat gold that is 99.9% pure.

Note: Purity is explained as the percentage of pure gold content present in every 1,000 parts of your gold.

Learn more about how you can buy gold on PhonePe

You can buy gold for an amount as low as ₹1 on PhonePe.

Learn more about how you can buy gold on PhonePe

You can buy gold for up to ₹2,00,000, if you haven’t completed your KYC. If you’ve completed your KYC, there is no limit on how much gold you can buy on PhonePe.

Learn more about how you can buy gold on PhonePe

Any Indian resident above the age of 18 can buy gold on PhonePe.

Learn more about how you can buy gold on PhonePe

You can use UPI, a debit or credit card, PhonePe gift voucher balance, or PhonePe Wallet to buy gold on PhonePe.

Learn more about how you can buy gold on PhonePe

To check the live gold buy price on PhonePe:

1. Tap My Money.
2. Tap Gold under the Investment section.
3. Tap Buy Gold.
4. Select Provider as MMTC-PAMP or SafeGold.

Important: The live gold price is valid only for 5 minutes from the time you tap Buy Gold.

Learn more about how you can buy gold from PhonePe

To buy gold on PhonePe:

1. Tap My Money.
2. Tap Gold under the Investment section.
3. Tap Buy Gold.
4. Select Provider as MMTC-PAMP or SafeGold.
   You can either Buy in rupees by entering the amount you wish to buy for, or Buy in grams by entering the number of grams of gold you wish to buy.
   
5. Tap Proceed to Payment to select your preferred payment mode and make the payment to complete the purchase.

Important: You can choose to sell the gold you’ve bought on PhonePe or request for it to be delivered to you. To get your gold delivered to you, you should have bought at least 0.5 grams of gold from SafeGold or 1 gram of gold from MMTC-PAMP on PhonePe.

Learn more about the storage of your gold after you purchase it on PhonePe

You can’t cancel a gold purchase once you have made the payment. If your gold purchase fails for any reason, we will refund the entire amount to you.

Learn more about what will happen if your gold purchase fails

If your gold purchase on PhonePe fails for any reason, we will refund the entire amount to you.
For payments made through,

• Wallet - refund within 24 hours
• BHIM UPI - refund within 1 working day
• Credit and Debit cards - refund within 7 to 9 days

SafeGold and MMTC-PAMP will physically store your gold in a fully insured locker. This locker is covered by a comprehensive insurance policy to ensure that your gold is safe at all times. The gold providers have also opted for an additional insurance policy to make sure that your gold is safe even during transit.

Check if you will be charged a fee by MMTC-PAMP and SafeGoldfor gold storage.

MMTC-PAMP allows you to store gold for free in a physical locker for 5 years as a custody period. After 5 years, you will be charged a storage fee as decided by MMTC-PAMP. If you don’t wish to pay the storage fee, you can either choose to sell the gold or get it delivered to you.

Learn more about the maximum holding period for the gold you buy on PhonePe

SafeGold allows you to store gold in a physical locker for 7 years as a custody period. You won’t be charged a storage fee for 2 years from the date you first purchased gold from SafeGold on PhonePe. After 2 years, SafeGold will charge you a storage fee if you wish to continue storing your purchased gold in the locker. If you don’t wish to pay the storage fee, you can either choose to sell the gold or get it delivered to you.

Learn more about the maximum holding period for the gold you buy on PhonePe

You will have to request for the gold you bought on PhonePe to be delivered to you within 5 years from the date of purchase.

Learn more about what you can do if your pin code is not serviceable for gold delivery

To check your gold balance on PhonePe:

1. Tap My Money.
2. Tap Gold under the Investment section.

To view details of your gold purchase on PhonePe:

1. Tap My Money.
2. Tap Gold under the Investment section.
3. Tap More Options.
4. Tap View Orders.
5. Select the relevant order.

To get an invoice for your gold purchase on PhonePe:

1. Tap My Money.
2. Tap Gold under the Investment section.
3. Tap More Options.
4. Tap View Orders.
5. Select the relevant order.
6. Tap Get Invoice.

Your invoice will be sent to the email you’ve registered with us.

We use available geo-signals to identify your location and capture your pincode when we generate your gold purchase invoice.

Unlike the gold market, the difference between the gold buy and sell price on PhonePe is nominal.

Learn more about how you can check the live gold sell price on PhonePe

To check the live gold sell price on PhonePe:

1. Tap My Money.
2. Tap Gold under the Investment section.
3. Tap More Options.
4. Tap Sell.

Note: The gold live sell price is valid only for 4 minutes from the time you tap Sell on PhonePe.

Learn more about how you can sell your gold on PhonePe

The live gold sell price varies based on the changes in the commercial bullion market and is valid only for 4 minutes from the time you tap Sell on PhonePe.

Learn more about how you can sell your gold on PhonePe

To sell your gold on PhonePe:

1. Tap My Money.
2. Tap Gold under the Investment section.
3. Tap More Options.
4. Tap Sell Gold.
   Note: The live gold sell price is valid only for 4 minutes from the time you tap Sell.
5. Tap Sell in Rupees or Sell in grams and enter the value in rupees or grams of gold that you want to sell.
6. Tap Sell.

Important: You can choose to sell your gold at the live sell price starting with a minimum of ₹5. In case you fail to sell your gold on PhonePe due to a temporary technical issue, we will credit the gold back to your locker.

Check if there are any restrictions on selling gold on PhonePe

As a security measure, you can’t sell gold within 24 hours from the time you purchase it on PhonePe. We might also impose other restrictions based on the prevalent risk or security concerns, to ensure that the gold you’ve purchased is safe at all times.

Learn more about when you will receive the money for the gold you’ve sold on PhonePe

We will credit the money to your primary linked bank account within 72 hours from the time you sold your gold on PhonePe.

Important: The money will be credited after deducting transaction charges, if applicable.

Learn more about how you can view the invoice for the gold you’ve sold on PhonePe

To get an invoice for the gold you sold on PhonePe:

1. Tap My Money.
2. Tap Gold under the Investment section.
3. Tap More Options.
4. Tap View Orders.
5. Select the relevant order.
6. Tap Get Invoice.

Your invoice will be sent to the email you’ve registered with us.

To request delivery of the gold that you’ve purchased on PhonePe:

1. Tap My Money.
2. Tap Gold under the Investment section.
3. Tap More Options.
4. Tap Get delivery.
5. Select the product that you want to get delivered.
6. Enter the pin code at which you want your gold to be delivered.
7. Tap Buy.
8. Enter the address at which you want the gold to be delivered and tap Save & Continue.
9. Select your preferred payment mode and tap Pay.

Learn more about tracking the delivery of your gold

The gold coins that you can buy from gold providers on PhonePe are independently Assay certified for purity and are delivered in tamper proof packages.

Your gold will be delivered to you within 7 to 10 working days from the date you raised a delivery request. You can track the delivery by using the link shared with you by the delivery partner through SMS.

Important: The delivery will only be attempted twice. If you’re not available on both days, the gold provider will cancel the delivery and transfer your gold balance to your gold locker after deducting making and delivery charges.

Learn more about tracking the delivery of your gold

Yes, you will be charged a nominal making and delivery fee when you raise a delivery request. These charges will be displayed when you choose which gold product you want to get delivered.

You will receive a tracking link from the assigned delivery partner through an SMS after you place a request for delivery. You can tap this link to track your gold delivery. Alternatively, you can track the delivery status on PhonePe as follows:

1. Tap My Money.
2. Tap Gold under the Investment section.
3. Tap More Options.
4. Tap Order Details.
5. Select the relevant order and delivery status will be displayed.

Important: The delivery will only be attempted twice. If you’re not available on both days, the gold provider will cancel the delivery and transfer your gold balance to your gold locker after deducting making and delivery charges.

You don’t have an option to cancel or make changes to a delivery request right now.

Learn more about what you can do if the gold you’ve purchased on PhonePe can’t be delivered to your pincode

If the gold you purchased on PhonePe cannot be delivered to your pincode, you can choose to accumulate and sell it. You also have the option of picking up your gold from your gold provider’s nearest outlet. Alternatively, you can keep checking your PhonePe app regularly to see if your pincode is serviceable.

Only in the event of a PhonePe user's death, their legal heir will be able to request for delivery of the gold that was purchased on PhonePe. However, the following documents are required for due diligence before we complete the request:

• Identity proof
• Original or notarized copy of the death certificate
• Proof that the person requesting for the gold to be delivered is the legal heir