What is PayMate?
Simply put, PayMate is money on your fingertips. It links your mobile phone to your existing bank account or credit card thereby giving you the unmatched convenience and security of paying anywhere, anytime. Once registered for this free service, you can pay for online purchases, shopping bills, monthly utility bills and much more simply with your mobile. In fact you can even buy things like flight tickets, movie tickets and other cool stuff on your mobile itself. All payments are authorized by you with a secure 4-digit PIN thereby ensuring complete control and security.

What do I need to start using PayMate?
You need nothing new. We believe in keeping it simple so your existing mobile phone can be linked to your current credit card or bank account (with any of our partner banks).

Do I require a specific type of mobile phone or application?
Absolutely not. Your existing mobile handset, even if it’s the most basic one can be used to make payments via PayMate. It does not require any SIM change, application download or GPRS connectivity.

Do I need to have a connection from a specific mobile service operator?
Not at all. PayMate works across all operators (GSM or CDMA) so you needn’t get a new connection.

Do I need to get a new credit card or open a new account?
Not at all. You can link your mobile to your existing credit card, bank account or debit card (with any of our banking partners). If you wish to transact from a pre-paid balance you can get yourself a GiftMate voucher.

Are there any charges for using PayMate?
None whatsoever! It is an absolutely free service so you need not pay a paisa extra when paying
via PayMate. And for a change you need not worry about any hidden charges since we do not
levy any one-time service charges or usage fee. Who says best things in life don’t come for free?!

How secure are my registration details and financial information?
PayMate is a PCI DSS 1.2 certified company which means our data security standards are among the
highest in the world. We comply with the most stringent global banking systems and processes for data storage and transaction processing. You will also find security certificate logos on our registration pages to confirm this. So be rest assured that your data is as absolutely secure at every step.

How do you ensure nobody can do a fraudulent registration?
We have a 2 step registration specifically to prevent misuse of credit card information. It would have been much simpler to register any mobile number with the specified card details instantly but we have chosen to do a double verification in your interest so that only the rightful owner of the card can register his/her mobile. Hence, customers are asked re-enter details that appear on the credit card statement. Even the linking of bank account or debit card happens only post verification by ATM Pin or equivalent.

What are the maximum transaction limits?
When you register for PayMate with your credit card, you have a transaction limit of Rs 2,000 which can be increased once you re- validate your registration details with us. Thereafter, you can make payments up to Rs 10,000 per transaction.
The re-validation is done by entering some details that appear on your credit card statement post registration. While the 2-step process may seem a little inconvenient, we have built this for your own safety. By asking you to revalidate the information on your credit card statement, we ensure that only the rightful owner of the credit card is being registering. So it’s a very small price to pay for a big security advantage.