LazyPay Customer Care: A Complete, Professional Guide (India, 2025)

Official support channels and service hours

The most reliable way to reach LazyPay customer care is from within the LazyPay app: Profile (or Account) → Help & Support → Create a ticket. This routes your request with device logs and account context, which usually speeds up resolution. Expect an acknowledgement immediately and a first human response within 24–48 business hours for routine queries. Operational hours are typically business days (Mon–Sat, excluding bank holidays) with triage continuing after-hours for urgent issues like account lockouts and suspected fraud.

Email assistance is also available. Use [email protected] for general support and keep your app-registered mobile number in the subject line for faster lookup. Always send messages from your registered email address; if you must use an alternate email, clearly state your registered mobile number and include a recent ticket ID. The official website is https://lazypay.in; use links inside the app to reach the Help Center to avoid phishing. For security, LazyPay does not operate a general inbound consumer helpline number as of 2025—be skeptical of any number on search engines or social media claiming to be “LazyPay customer care.”

Escalations and regulatory recourse

If your request is unresolved, escalate in stages. Level 1 is the standard support ticket (in‑app or email). If you don’t receive a satisfactory response, escalate to the Grievance Officer with a concise summary and your existing ticket ID. Use the address listed in the app’s Help & Support or Legal/Grievance section; commonly, [email protected] is provided. Ask for an acknowledgement within 48 hours and a target resolution timeline. Retain all email headers, screenshots, PDFs of bills, and payment proofs.

Under the Reserve Bank of India’s Integrated Ombudsman Scheme (2021), if your complaint remains unresolved or you are dissatisfied with the response after 30 calendar days from first raising it with the regulated entity, you may file a complaint via the RBI Complaint Management System (CMS) at https://cms.rbi.org.in. Upload your correspondence, identity proof (as requested), and transaction documents. Keep your ticket history and final response from LazyPay handy; these are required for admissibility.

What to include in your ticket to get faster resolution

Specific, complete information helps customer care avoid back‑and‑forth and reduces handling time. Paste the details in plain text within the ticket body and attach clear screenshots (cropped to show amounts and timestamps).

• Registered details: full name, mobile number on the account, and registered email ID.
• Transaction issues: date and exact time (IST), amount (₹), merchant/app name, payment method (UPI, card, NACH), and reference IDs:
  – UPI: 12‑digit RRN/UTR; Card: 23‑ to 28‑character ARN from the merchant/acquirer; Netbanking/IMPS: bank reference/UTR.
• Billing: bill cycle ID or statement date, specific line item(s) in dispute, screenshots of the bill and any merchant refunds or cancellations.
• Repayments: payment mode used, bank name, last 4 digits of the account/card, proof of debit (bank statement line), and the timestamp of the repayment attempt(s).
• App/device context: app version (from App Settings), device model, OS version, network type (Wi‑Fi/4G/5G), and city—useful for login or OTP failures.
• Credit report issues: bureau name (CIBIL/Experian/CRIF/Equifax), report date, control/report number, and the exact tradeline and field that’s incorrect (e.g., “DPD for 2024‑11” or “closure status”).
• Closure/NOC: final payment date and mode, request for NOC, and mailing/email preference for the closure letter.
• Security/fraud: last successful login time, suspicious contact details (number/email/URL), and immediate actions taken (password reset, UPI PIN change).

Never share your full card number, CVV, OTP, UPI PIN, or netbanking credentials. Mask card and account numbers except the last four digits. Support will never ask for your OTP or UPI PIN.

Billing, due dates, payments, and fees

LazyPay’s “postpaid/BNPL” bill cycles are shown inside the app under Bills/Statements, including your Bill Date and Due Date. Many users have two cycles per month, but your assignment may differ based on onboarding and product type. Repayments are supported via UPI, netbanking, debit card, and sometimes auto‑debit (NACH/UPI Autopay). UPI is typically instant, netbanking may reflect within 2–24 hours, while NACH debits can take 2–3 working days to settle. Always check the in‑app ledger after paying; if a payment shows “Pending,” keep your bank SMS/email and UTR for follow‑up.

Late fees and interest vary by product and are disclosed on your bill and in the app. BNPL postpaid often uses slab‑based late fees (fixed rupee amounts tied to outstanding ranges), while loan products disclose an annualized interest rate (APR), commonly in the 18%–36% p.a. range in India. Autopay can help avoid missed due dates, but ensure sufficient balance one working day prior to debit. If a refund from a merchant is expected, pay your statement minus any confirmed, posted refunds; if a refund is still “processing,” consider paying in full to avoid late fees and reclaim once the refund posts.

Refunds, reversals, and chargebacks

Merchant refunds typically return to the original payment source. UPI refunds often post within minutes to 3 business days; card and netbanking refunds can take 5–10 business days to reflect on statements, depending on acquirer banks. Keep the merchant’s refund reference/ARN and a dated confirmation. If a refund is overdue beyond the promised window, raise a ticket with these references and your payment proof.

For “debited but not credited” cases or duplicate charges, share the RRN/UTR (UPI/IMPS) or ARN (cards) along with timestamps. LazyPay will coordinate with the acquiring bank/merchant and may quote standard investigation timelines: 2–7 business days for UPI reversals and up to 45 days for complex card disputes per network rules. Continue paying undisputed portions of your bill on time to avoid late fees on unrelated items.

Credit bureau reporting, closures, and NOCs

LazyPay (via PayU Finance India Pvt. Ltd.) reports to major Indian credit bureaus (CIBIL, Experian, CRIF High Mark, Equifax) on a periodic cycle. After full repayment or closure, allow 30–45 days for bureau updates to reflect. If you spot inaccuracies (for example, an overdue status after closure), raise a bureau dispute on the bureau’s portal and attach your proof of payment; simultaneously email [email protected] with your ticket ID, so both tracks proceed in parallel.

When you close your postpaid/loan account, request a No‑Objection Certificate (NOC) or closure letter. Ask for it to be issued within 7 working days of final settlement posting. Avoid “cash” or off‑app settlements—partial settlements may be reported as “Settled” rather than “Closed,” which can negatively impact your score. Always pay using official in‑app methods and obtain a PDF/email confirmation.

Safety, fraud, and harassment handling

Only use the LazyPay app and the website at https://lazypay.in. Do not pay via third‑party links, QR codes sent on messaging apps, or bank transfers to personal accounts. LazyPay customer care will never ask for remote access apps, your UPI PIN, or OTP. If you suspect account compromise, immediately reset your app login, change UPI PINs, disable autopay mandates temporarily, and contact support via the app.

If you lose money to fraud, call 1930 (the National Cybercrime Helpline in India) as soon as possible—speed matters for transaction “hold” requests. File a complaint at https://cybercrime.gov.in with all evidence. For unsolicited marketing or spam calls, activate DND by calling or SMS’ing 1909 from your mobile. If you face inappropriate recovery practices, document dates, numbers, and call recordings (where legally permitted) and include them in your grievance escalation; RBI expects regulated entities to follow fair practices, and the Ombudsman can review repeated violations.

• Verify support emails end with “@lazypay.in”; beware look‑alike domains.
• Never share OTPs, CVV, card PIN, or UPI PIN with anyone, including “support.”
• Report financial cyber‑fraud immediately: call 1930 and file at cybercrime.gov.in.
• Pay only via the LazyPay app; avoid QR/UPI to individuals or “settlement agents.”
• Activate DND to cut spam: dial/SMS 1909 from your mobile number.
• Keep copies of bills, UTR/RRN/ARN, and email receipts; attach them to tickets.

Quick contact summary and realistic timelines

Primary support: in‑app Help & Support (best for context and security). Email: [email protected] for general support; for unresolved matters, escalate to the Grievance Officer (email as listed in the app/legal section, commonly [email protected]). Official site: https://lazypay.in. Regulatory escalation (after 30 days of first complaint): RBI CMS at https://cms.rbi.org.in.

Indicative timelines: first response 24–48 business hours; simple billing clarifications 2–5 business days; UPI payment trace/reversals 2–7 business days; card disputes up to 45 days; bureau updates 30–45 days post cycle; NOC issuance within 7 working days after confirmed closure. Keep communications concise, include all references up front, and continue paying undisputed dues on time to avoid late fees while a dispute is being resolved.

What happened to LazyPay?

The government has good news for Indian lending apps LazyPay and Kissht. The ban imposed on these apps earlier this week is being revoked. The government reportedly removed the ban on fintech companies LazyPay and Kissht after representations were made by these companies.

What will happen if we don’t pay LazyPay?

Late payment charges are applied one day after your due date e.g. if your due date is 3rd then late fee will be charged on the 4th. In case you make a partial payment before the due date, these charges will not be applied. Interest charges:You will also be charged an interest of 3.25% of your bill amount monthly.

How do I contact LazyPay customer care?

We’re all ears! For any queries, call us on 02269821111 (MON to SUN 10 AM to 7 PM).

Why did LazyPay block my account?

This could be because you may have a pending bill, or you’re trying to transact for an amount higher than your credit limit. Your LazyCard is temporarily blocked, or certain kinds of transactions are disabled. You can check this in the Manage Card section of the LazyPay app.