Frequently Asked Questions

  • General
  • Service

PayNearby was established in 2016. We are the only start-up in the digital payments industry to be certified by the Department for Promotion of Industry and Internal Trade (DPIIT). Our major accomplishments within a short span of three years are:

– 11% market share in DMT business

– 33% market share in AePS

– 10 lakh registered retailers

– More than 12 crore customers availing the services

– Presence in 28 States and 8 UTs

PayNearby is simple and easy. Our app and web portal are currently available in English, Hindi and Marathi. 7 regional languages will be available shortly.

Starting a business with PayNearby is very easy and simple. You do not need any employee for this. You can complete a transaction within 2 to 3 minutes. You need to pay a one-time license fee of Rs. 1000.

Our customer service team is available from 8 am to 8 pm to assist you. Customer service is available in many regional languages. You can also contact your local Relationship Manager for assistance.

PayNearby commissions are credited to your wallet on the very same day, whereas other companies pay it after one day.

It is very easy to understand our insurance products and services. We provide product and insurance selling training through videos. You can download marketing collaterals from our app and display it in your store. Should you need any help, please contact our customer service team or our Relationship Manager.

You can download all the marketing materials from our app or web portal and print it. Go to the ‘Download’ section, select ‘Language’ and ‘Service’ and print your poster/banner or leaflet.

PayNearby is an ISO 27001 and DIPP certified fintech company. Your PAN Card information will be safe with us. PAN Card is mandatory for all financial transactions.

Yes. All the reports are available on the App for your reference and download.

You can contact our customer care on +91 33 6690 9090 for assistance on this matter.

• Branch deposit

• CDM deposit

• Net banking (Payment gateway)

• Same/Other bank transfer

• CDM card

There are 6 banks available for Branch & CDM deposit.

• Yes Bank

• ICICI Bank

• Axis Bank

• State Bank of India

• Karur Vysya Bank

• Federal Bank

• Go to ‘Banking & Finance’ option on the Web portal.

• Get the prefilled deposit slip.

• Fill the required details.

• Submit at the branch.

• Upload the deposit slip received from your bank.

• After submitting the slip, top-up will be credited within 30 minutes.

• Log in to your Netbanking portal.

• Go to the transfer option.

• Add PayNearby as beneficiary, enter Account number & IFSC code.

• Enter the required amount and pay.

• Take a screenshot of the successful transaction.

• Upload the screenshot of the transaction.

• After submitting the screenshot, top up will be credited within 30 minutes.

We regret the inconvenience caused. Kindly wait for 72 working hours, the amount will be credited to your account.

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For such transactions refund will be done T+1 day.

For such transactions refund will be done T+1 day.

If you cancel the ticket more than forty-eight hours before the scheduled departure of the train, you will have to pay the following charges: o AC First Class/Executive Class – Rs.240/- o AC 2 Tier/First Class – Rs.200/- o AC 3 Tier/AC Chair car/ AC 3 Economy – Rs. 180 o Sleeper Class – Rs.120/- o Second Class – Rs.60/- – If you cancel your confirmed ticket between forty-eight hours and up to twelve hours before the train is scheduled to leave, a charge of 25% of the fare subject to the minimum flat rate mentioned above will be charged. Additionally, GST will also be charged. – If you cancel your ticket in less than 12 hours and up to four hours of the departure of the train or the chart preparation, you will have to pay 50% of the fare subject to minimum cancellation charges. – If your Tatkal ticket is confirmed, there will be no refund. Charges as per existing railways rules will be applied for contingent cancellation and waitlisted Tatkal ticket. The IRCTC website states that partial cancellation of Tatkal e-tickets is permitted.

Please note in Tatkal Quote Retailer can book only One Ticket per passenger per train.

Retailer can’t view the Refund amount before cancellation. After cancellation it is visible.

Refund to the Retailer will be T+1 day.

No Customer can’t cancel their own ticket. He needs to get in-touch with the retailer.

Handicap concession option is not available while booking tickets (Quote available – Lower Berth Quote /General/ Ladies/ Tatkal)

Customer get ticket Via SMS & Retailer will get tickets on email.

Yes 20 Rs for NON-AC/ 40 Rs for AC.

Customer shall receive the policy information through SMS and on their registered email IDs directly from Insurance Companies along with the link for filling nomination details. However, Policy number can be viewed from Ticket booked history at IRCTC Page. The coverage for the policy shall be for each passenger under the PNR in case of Death, Permanent Total Disability, Permanent Partial Disability, and Hospitalization Expenses for Injury and Transportation of mortal remains following Rail Accident or untoward incident. The optional travel insurance will not be provided for the children below 5 years of age. In case of passenger opting for insurance, the claim/liability shall be between insured and the Insurance Company. Untoward incident means: a) the commission of a terrorist act within the meaning of sub-section (1) of section 3 of the Terrorist and Disruptive Activities (Prevention) Act, 1987(28 of 1987), or b) the making of a violent attack or the commission of robbery or dacoity; or c) the indulging in rioting, shoot-out or arson, by any person in or any train carrying passengers or, from the actual departure from originating station to actual arrival of train at destination station including ‘process of entraining’ and ‘process of detraining the train and Vikalp train, short termination and diverted route. Death: Rs. 10,00,000 Permanent total disability: Rs. 10,00,000 Permanent partial disability: Rs. 7,50,000 Hospitalisation expenses for injury: Rs. 2,00,000 Transportation of mortal remains: Rs. 10,000

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