Find instant answers to the most common questions about PayBazaar's services, registration, and more.
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Ask Our Support TeamRegistering as a PayBazaar merchant is simple and completely free:
You will need the following documents for KYC:
Once you submit all required documents, your account is typically activated within 12 to 24 business hours. You will receive a confirmation SMS and email once your account is live. If not activated within 24 hours, please contact our support team.
Yes, registration is completely free. There are no joining fees, annual fees, or hidden charges for becoming a PayBazaar merchant. You only need to load your merchant wallet to start processing transactions for your customers.
Any Indian citizen who meets the following criteria can become a merchant:
Yes, you can update your bank account and some KYC details by contacting our support team. For security reasons, changes to sensitive details (bank account, Aadhaar, PAN) require re-verification of your identity. Contact us at support@paybazaar.co.in with your request.
No. Each individual or entity is permitted only one merchant account on PayBazaar. Creating multiple accounts is a violation of our Terms and Conditions and may result in permanent suspension of all accounts.
To close your account, contact our support team via email or WhatsApp. All pending transactions must be completed and any wallet balance will be transferred to your registered bank account within 7–14 business days after account closure.
AEPS (Aadhaar Enabled Payment System) is a banking service that allows customers to perform basic banking transactions using their Aadhaar number and fingerprint — no debit card or PIN needed.
The customer provides their Aadhaar number, places their finger on a biometric device, and the transaction is authenticated via UIDAI. PayBazaar acts as a Business Correspondent (BC) agent for the banking partner.
To perform AEPS transactions, you need a UIDAI-certified biometric fingerprint scanner. Supported devices include Morpho, Mantra, Startek, and other certified models. You can use the PayBazaar app on your Android smartphone along with the biometric device connected via USB or Bluetooth.
The standard AEPS withdrawal limits are:
These limits are set by RBI and partner banks and are subject to change. The actual limit may vary by bank.
PayBazaar offers competitive commissions on AEPS transactions — up to ₹1.5 per ₹100 withdrawn. For example, on a ₹5,000 withdrawal, you can earn up to ₹75 as commission. Commissions are credited to your wallet instantly after each successful transaction.
In rare cases of technical failures where the customer's account is debited but cash is not dispensed, the amount is automatically reversed to the customer's bank account within 24–72 hours as per RBI guidelines. Please raise the issue with our support team immediately with the transaction details.
AEPS works with all Indian banks that are linked to the NPCI (National Payments Corporation of India) AEPS network. This includes all PSU banks, private banks, cooperative banks, regional rural banks, and payment banks. The customer's Aadhaar must be linked to their bank account via their home branch.
No. AEPS transactions require an active internet connection to communicate with UIDAI for biometric authentication and with the banking network for transaction processing. A minimum of 2G/GPRS connectivity is sufficient for most AEPS transactions.
If the customer's Aadhaar is not seeded (linked) with their bank account, the AEPS transaction will fail. The customer must visit their home branch or use the bank's mobile app/net banking to link their Aadhaar. Once linked, AEPS transactions will work seamlessly.
Always ensure the customer is physically present and provides their biometric authentication willingly. Never attempt to conduct AEPS transactions without the customer's explicit consent. Unauthorized AEPS transactions are a criminal offence under Indian law. Always show the customer the transaction details before confirming.
DMT (Domestic Money Transfer) allows customers to send money instantly to any bank account across India. The customer provides the beneficiary's account number and IFSC code. The merchant initiates the transfer using the customer's registered mobile number. The funds reach the beneficiary account within seconds.
Standard DMT limits as per RBI guidelines:
Merchants earn approximately 1% commission on each successful DMT transfer. For a ₹10,000 transfer, you earn approximately ₹100. Commission is credited to your wallet instantly upon transaction success. Contact us for the latest commission structure.
Failed transactions are automatically reversed to your merchant wallet within 1–3 business days.
Wrong account transfers are very difficult to reverse. If the beneficiary account does not exist, the amount is typically returned within 3–5 working days. If the account exists and the transfer was successful, recovery depends on the cooperation of the recipient's bank.
DMT transfers can be sent to any bank account in India that is part of the IMPS/NEFT network. This includes all major public sector banks, private banks, cooperative banks, and payment banks. The beneficiary account must be active and capable of receiving electronic transfers.
Yes! DMT via IMPS (Immediate Payment Service) is available 24 hours a day, 7 days a week, including weekends and bank holidays. Transfers are typically credited within seconds of initiation, regardless of the time of day.
Yes. As per RBI guidelines, the sender's mobile number must be registered on the PayBazaar system with basic KYC details. First-time senders need to provide their mobile number, name and Aadhaar/ID details which are stored for future transactions. This is a regulatory requirement to prevent money laundering.
Through the Bharat Bill Payment System (BBPS), you can pay:
PayBazaar supports recharge for all major Indian telecom operators:
Most bill payments via BBPS are processed instantly and you receive a confirmation reference number immediately. The biller's system typically updates within 2–4 hours. For urgent bill payments with same-day credit requirements, we recommend processing at least 2 hours before the deadline.
If a recharge is debited from your wallet but not activated on the customer's phone within 30 minutes, raise a complaint with our support team with the transaction ID. We will investigate and either re-process the recharge or refund your wallet within 1–3 business days.
Unfortunately, successfully processed recharges cannot be reversed. Once a recharge is activated on a mobile number, the telecom operator does not allow reversals. Always verify the mobile number carefully before confirming any recharge transaction.
Commission rates vary by service:
Bill payment limits on BBPS are set by individual billers. For most utility bills, there is no upper cap. However, some billers may have a maximum single-payment limit. If a high-value bill payment fails due to a limit issue, try splitting the payment across multiple transactions.
Yes! PayBazaar generates a digital transaction receipt for every successful transaction. You can share this receipt with your customer via SMS, WhatsApp, or print a physical copy. The receipt includes the transaction reference number, amount, biller name, and timestamp as proof of payment.
You can load your PayBazaar wallet through the following methods:
There is no minimum balance requirement. The maximum wallet balance and single top-up limits may vary based on your KYC level and merchant tier. Contact our support team for current limits applicable to your account.
You can request a wallet withdrawal to your registered bank account through your merchant dashboard or by contacting support. Withdrawal requests are processed within 1–2 business days. There may be a minimum withdrawal amount — check your dashboard for current limits.
Commissions on most services are credited instantly to your wallet upon successful transaction completion. You can view your wallet statement and transaction history in real-time in your merchant dashboard.
If your bank was debited but your wallet was not credited, don't worry — this is usually resolved automatically within 2–4 hours through a system reconciliation. If not resolved within 24 hours, contact us with your bank reference number (UTR/Transaction ID) and we'll investigate and credit your wallet or refund within 5–7 business days.
Your complete transaction history and wallet statement are available in your PayBazaar merchant dashboard under the "Reports" or "Wallet Statement" section. You can filter by date range and download your statement in PDF or Excel format for accounting purposes.
Yes, TDS (Tax Deducted at Source) is applicable on commission earnings as per Indian Income Tax regulations. PayBazaar deducts TDS as required and provides TDS certificates. You can claim credit for TDS deducted while filing your income tax return. Consult a tax professional for detailed advice.
No, your wallet balance does not expire. Your balance remains intact as long as your merchant account is active. However, accounts inactive for more than 12 months may be flagged for review. It's recommended to use your account regularly to maintain active status.
You can reach our support team through multiple channels:
Support is available Monday to Saturday, 9 AM to 7 PM.
If a transaction has been pending for more than 30 minutes, please:
Our team will investigate and resolve or reverse the transaction within 24–72 hours.
Click on "Forgot Password" on the login page of the PayBazaar portal or app. Enter your registered mobile number and you'll receive an OTP to reset your password. If you don't receive the OTP, contact our support team with your registered mobile number for manual assistance.
Account suspension can occur due to:
Contact our support team at support@paybazaar.co.in with your merchant ID for details and resolution.
To raise a formal complaint, email support@paybazaar.co.in with subject line "Complaint — [TxnID]". Include your merchant ID, transaction details, and a clear description of the issue. You'll receive a complaint ticket number within 4 hours. Unresolved complaints can be escalated by replying with "ESCALATE" in the subject line.
Try these troubleshooting steps:
If the issue persists, contact our support team with your device model and a description of the error.
Planned maintenance windows are communicated to all registered merchants via SMS and email at least 24 hours in advance. For emergency maintenance, we send immediate notifications. Follow our social media channels for real-time service status updates.
Yes! PayBazaar provides onboarding support for all new merchants, including:
Contact our support team to schedule an onboarding session via WhatsApp or phone call.
Yes! PayBazaar offers a Distributor/Referral Program where you can earn additional income by referring other merchants to the platform. You earn a percentage of the commissions generated by merchants you refer. Contact our team at support@paybazaar.co.in for details on the referral program.
Yes, absolutely. PayBazaar is:
Your data and transactions are protected at every level.
Our support team is ready to help with any question not covered here. Reach out anytime.