Notes

Here are the steps for IDFC Pay Later eKYC process:

How to Activate Pay later Benefit?

Go to My Account and Click on the View details next to pay later credit
Click On ‘Apply Now’
Enter Your PAN Number and Aadhaar Number
Verify the Aadhaar Number using OTP (OTP Will be triggered to Mobile number linked to Aadhaar )
Review and Submit details of PAN and aadhaar details
Once the submission is done, the credit limit will be issued Or the application will be rejected


1- Why should I do KYC/Why do I have to do KYC again?


As per the new financing partner of the Flipkart Pay Later services, IDFC would require you to complete e-KYC to avail the credit option.

2- What is the limit offered to me if I complete KYC?

The credit limit offered to you will be decided by the financing partner based on their credit policy.

3- Why is the credit limit offered lesser than what I had earlier?

The credit limit offered to you will be decided by the financing partner based on their credit policy.

4- Why is the KYC link not working on desktop?

Please note that you can submit KYC documents for verification only through our app or mobile website.

5- Will my bill date be same?

Yes, the bill date will remain the same. However, please note that credit policies are subject to change and details about the same will be sent to you.

6- Will my penalty charges differ from earlier slab?

Your current penalty structure is {open customer’s Khaata dashboard and inform about his/her current penalty structure} and it will remain the same even when the credit is obtained from the new financing partner.

7777- I was using Flipkart Pay Later earlier but I am not able to use it now?

We’d like to inform you that your Flipkart Pay Later account is currently not active as {Kissht} will no longer be a financing partner for this payment option. To continue using this credit option from the new financing partner, please complete your e-KYC by visiting ‘My Account’ section on our app or mobile website.

888-What are the list of documents to be submitted?

If you opt for e-KYC check, you will need to submit your PAN number and Aadhaar number as part of the e-KYC.

9- Why are Aadhaar and Pan details required?

This is as per the RBI guidelines to complete e-KYC through the new financing partner.


10- If I don’t want to submit my Aadhaar details, can I still apply for Flipkart Pay Later payment option?

Currently Aadhar is required to complete the e-KYC. IDFC FIRST bank also has an offline process set up through which you can apply for the credit option by providing alternate documents. You just have to visit the nearest IDFC FIRST bank and submit officially valid documents. After this, you will be able to see ‘Flipkart Pay Later’ option on My Accounts’ section of your Flipkart account within 7-10 working days if approved by the bank.

9- What happens if OTP based authentication fails?

If Aadhaar authentication fails for the three times in 24 hours, you can retry the OTP based authentication after 24 hours.

10- What happens if I don’t pay the total amount due on time for my ‘Flipkart Pay Later’ transactions?

Any outstanding due as on the 10th of the month will lead to a late payment penalty. Further delays in payment may lead to deactivation of ‘Flipkart Pay Later’ account and suspension of any further purchases on www.flipkart.com, Flipkart Mobile app and Flipkart mobile site. A legal action will also be initiated against delinquent customers.

The financing partner reports information about your loan and payment activity to all credit bureaus. In case of late loan payments or if you have missed making payments, your credit score and ability to get loans in the future might get affected.

11- Why did my application get rejected?

The credit limit offered to you will be decided by the financing partner based on their credit policy.

12-Why is the EMI option not available for this payment mode?

The EMI option is currently not offered due to the change in the financing partner.

13-Why am I not able to do KYC verification?

You will be able to complete your KYC only after paying the bill for the month of November.

14-How do I complete the KYC process?


{customers with iOS}

Please click on the banner available on the homepage of the Flipkart app to complete the KYC .

15- {Applicable for customers who did KYC at the bank}


{in case customer has been rejected by the IDFC bank}



It is already 7/10 days, but why is my Flipkart Pay Later option still not activated?



Please visit IDFC FIRST branch where you had submitted the documents to know the status of your application.