YPayCash

get started

Let’s go. Here’s what you’ll need to do to hit the ground running with
your new YPAYCASH Account.



 +  GETTING STARTED

 +  What is YPAYCASH?

YPAYCASH is a prepaid mobile wallet on your mobile phone in which you can load money and then use it to pay for a wide range of products and services. You can use YPAYCASH to recharge mobile, pay bills, book bus tickets, transfer money to bank, purchase at YPC merchant outlets, enable wallet to wallet money transfers, pay at e-commerce sites and load money directly from your mobile.

 +  What are the benefits of using YPayCash?
  • Ease of use: Pay for a wide range of products and services from the convenience of your mobile from anywhere, anytime. You do not have to wait in long queues or dig your pockets for exact cash. YPAYCASH acts as a single-source for your payments, irrespective of the amount. It also means you need not carry separate cards (credit/ debit) for payments.
  • Safe and secure: YPAYCASH pre-paid mobile wallet is authorised by the Reserve Bank of India (RBI).YPAYCASH comes with security features such as an e-PIN that acts as your password. Its PKI (public key infrastructure) technology ensures the money in your wallet will be protected in case you lose or misplace your handset.
  • No transaction costs: Yes, it’s absolutely free. There are no transaction charges or hidden costs.
 +  What are the various prepaid plans offered by YPAYCASH?

YPAYCASH offers you a choice of two plans:

Wallet limit

Transaction limit

Insta Prepaid Plan

Rs. 10,000

Up to Rs. 10,000 per month

Maxima Prepaid Plan*

Rs. 50,000

Up to Rs 50,000 per day

*As per Reserve Bank of India (RBI) banking regulations, you have to provide full KYC (Know Your Customer) details if you opt for the Maxima Prepaid plan. This is obligatory for amounts of Rs.50, 000 and above.

Click here to download application form for upgrading to Maxima wallet

 +  Is YPAYCASH a credit card or a debit card?

YPAYCASH is neither a credit card nor a debit card. It is a multipurpose prepaid payment instrument that is authorized by the Reserve Bank of India (RBI). It performs payment transactions without having to expose your bank account or credit/debit card details.

 +  What kind of mobile phones does it support?

YPAYCASH mobile application works on a broad range of mobile platforms that includes Android, iPhone, Windows, Blackberry and Java/J2ME based phones.

 +  Do I need GPRS for downloading the application?

Yes, you need a basic GPRS (General Packet Radio Services) version to download the YPAYCASH application. Few identified service providers offering this service include, but are not limited to Airtel, Aircel, Vodafone, Idea, BSNL, MTNL, Loop and Tata (CDMA & GSM).

 +  What if I have multiple YPAYCASH wallet accounts?

You can have only one account under a single name. More than one account cannot be tagged to the same mobile number.

 +  OPERATING YPAYCASH

A lot of things you’d normally pay through credit or debit cards can now be paid digitally through your YPAYCASH mobile wallet on your phone.


 +  How do I use my YPAYCASH wallet?

Just open the application on your mobile and enter your e-PIN. Select the type of payment you want to make.

For making payment to Merchant/Retailer – Go to ‘Menu’, select ‘Pay at Shop’, enter the amount. A Quick Response (QR) code will be generated. The QR code is presented to the merchant/ retailer enabled with YPAYCASH. The merchant/retailer scans the QR code and accepts the payment.

For Recharge/ Utility bill payments/ Insurance (Top-up/Mobile/DTH) - Click on Recharge/Bill Payments, then select the type of payment, opt for the service for recharge/Mobile/DTH (choose your appropriate service and provider). After entering the amount, submit the request. You will instantly receive the recharge confirmation message.

Money transfer- Select ‘Send Money’. Pick the mobile number from your phone contact list or you can enter the name and mobile number to transfer the money. After submitting the request, you will receive the money transfer confirmation message. Please note, YPACASH money transfer will work if the recipient is also using YPAYCASH.

 +  How long will it take to recharge / pay bills through YPAYCASH?
  • For YPAYCASH Insta prepaid – it is instantaneously!
  • For YPAYCASH Postpaid and other services – it takes up to 2 working days.

If there’s any further delay, we suggest you call our Customer Care at 1800-4250-6789 or send us an email at info@ypaycash.com

 +  How long will it take to LOAD money into my wallet?

It’s immediately as it’s a real time transfer. You can transfer money from credit cards, debit cards, net banking, from another wallet and any authorized YPAYCASH kiosks by cash.

 +  How to view my transaction summary?

Click on the ‘Bell’  image icon on top corner of the screen. All payment details will show up here. If you want to see summary of more than 30 transactions then log in to the YPC portal with your credentials, and here you can view all records of your payments. Click here for details.

 +  How do I know which merchants/retailers accept YPAYCASH?

It’s pretty simple. Go to www.ypaycash.com. Under ‘Merchant Locator’ section, you can view the list of merchants/retailers that accept YPAYCASH. This list is constantly updated as our merchant network is rising rapidly. Click here to locate now

 +  How do I recharge my YPAYCASH prepaid mobile wallet?

  • Open YPAYCASH app on your mobile and click on ‘Top up your wallet’ or ‘Load Money’.
  • Use your appropriate payment mode (credit/ debit card/net banking/ over the counter) to recharge the wallet.
  • Enter the amount to be recharged. YPAYCASH then validates the amount you want to be stored.
  • Once the payment is successfully recharged, your mobile wallet is credited with the sum. (Important: Ensure you don’t close or refresh the window till the process is completed).
  • You can also recharge your account at YPAYCASH authorized retailer and merchant outlets.
  • YPAYCASH is a free service except when you reload cash at retailer / merchant outlets where a nominal service charge is applicable.

 +  Can I use my YPAYCASH mobile wallet anywhere in India?

Yes, you can utilize YPAYCASH anywhere in India. At the moment, merchant outlets are operational in Tamil Nadu, Karnataka and Kerala. However, we are fervently working on expanding the YPAYCASH network and soon it will be available across the country.

 +  SECURITY

Let’s face it: security is a critical issue and you can’t afford to take it lightly. Fortunately, your YPAYCASH account is completely secure – set uniquely with an e-PIN password protection.


 +  How secure is YPAYCASH mobile wallet and the payments made on YPAYCASH website?

They are absolutely safe! YPAYCASH prepaid mobile wallet is authorised by the Reserve Bank of India (RBI), which makes it even more secure. The YPAYCASH solution is designed on PKI technology that ensures highest level of security and protection for your online transactions. Our YPAYCASH website uses 256-bit SSL, which complies with highest level of encryption standard for electronic transactions for safety and security.

 +  What is KYC?

Know your Customer (KYC)) is the due diligence process governed by Reserve Bank of India (RBI) for customer identification and to ascertain relevant information. This is obligatory for amounts related to Rs.50, 000 and above. YPAYCASH customers opting for Prepaid Maxima Plan have to comply with KYC norms as per regulation.

 +  I have forgotten my e-PIN? What should I do?

Don’t worry. Just delete the application from your mobile phone and then download the YPAYCASH app and re-register. As this process needs reconfirmation, you will have to call our Customer Care (1800-4250-6789) for activation. Any available balance or pending orders will be restored in the new application. You are now good to go!

 +  How should I report the loss of my mobile phone containing YPAYCASH account?

To prevent any misuse of the wallet, you can either call our Customer Care number at 1800-4250-6789 or send us an email to info@ypaycash.com specifying your name, date of birth and mobile number to enable us to help you. We will block the wallet and your money will be safe.

 +  REFUNDS & TRANSFERS

Getting your money back was never so easy. YPAYCASH makes it simple to recover your money due to a processing error or premature closure of account.


 +  How do I get refund of the money paid to recharge or load money?

Let’s say your bank account/ credit/ debit card is debited, but YPAYCASH mobile wallet is not credited with balance. In such a situation, you are advised to call our Customer Care or send us an email to info@ypaycash.com and provide details of recharge failure. We will then validate the request and initiate refund to your account.

Any refund procedure normally takes between 7 to 21 days. Also please note, for certain services like bus bookings relevant cancellation charges will be applicable.

 +  I use YPAYCASH service and the transaction is successful. However, the service provider has not rendered the service expected. What should I do?

In such situations, you can write to us atinfo@ypaycash.com and raise a complaint. We will take up the issue with the service provider and look for a quick resolution.

 +  I have recharged my wallet account. But my balance is not reflecting the recharge?

At times, this may be due to a process failure. Whenever you face such a situation, where you have made the payment but failed to receive the recharge confirmation, go to transaction summary and select the relevant transaction and click the update query. If it is a prepaid payment then it will be successfully recharged immediately; for post paid and other utility payments: it will be updated within 48 hours. If the issue continues to persist, just speak to our Customer Care at 1800-4250-6789 or email a screenshot of recharge confirmation to info@ypaycash.com with your account details and we will look for a resolution.

 +  How long will it take to transfer the amount from wallet to bank account?

Normally, it takes 1-2 working days. However, this depends on the NEFT (National Electronic Fund Transfer) system and bank working days, to credit the money to a bank account.

 +  How long will it take to transfer the amount from my wallet to another wallet?

This is a real time transfer, so it’s immediate. However, this transfer can happen only between two YPAYCASH wallets.

 +  PASSWORD

Stuck without your e-PIN? Relax. Getting help has never been easier. Just call our Customer Care at 1800-4250-6789 and we will have you up and running in no time with your YPAYCASH mobile wallet.


 +  I have forgotten my e-PIN? What should I do?

Don’t worry. Just delete the application from your mobile phone and download the YPAYCASH app and re-register. As this process needs reconfirmation, you will have to call our Customer Care (1800-4250-6789) for activation. Any available balance or pending orders will be automatically transferred to the new application. You are now good to go!

 +  If I change my mobile phone but the cell number remains unchanged; does it mean I can still use YPAYCASH?

Yes, you can continue to use YPAYCASH. Just download YPAYCASH app on the new phone and re-register. You also need to contact our Customer Care (1800-4250-6789) to activate the service. Any available balance or pending orders will be restored in the new application. You are now all set!

 +  How should I report the loss of my mobile phone containing YPAYCASH wallet?

Don’t panic. Either call our Customer Care at 1800-4250-6789 or send us an email at info@ypaycash.com specifying your name, date of birth and mobile number to let us to help you.

 +  Why do I need a mobile application e-PIN?

The 4 to 8 digit (numeric) e-PIN is used to activate the account after downloading the application. It ensures safety and security of your phone from any unauthorized use in case of loss or misplacement.

 +  How can I view the customer ID and password for my login?

Go to ‘Messages’ icon at top right corner of the screen, select ‘Confidential’ and you can view your customer ID and password.

 +  MAXIMA UPGRADE

Now you know how to use YPAYCASH. It’s time to upgrade your YPAYCASH to Maxima Prepaid and maximize its value.


 +  How do I upgrade my YPAYCASH Insta account to Maxima account?

It is as simple as 1...2...3. Just fill out a new application form. Begin by dowloading the form from our YPAYCASH website. (CLICK HERE to DOWNLOAD the form) Provide all relevant information required, including a copy of your photo identity and proof of address by mailing it to:


Y-Cash Software Solutions Pvt. Ltd.
#1140, 17th Cross,
7th Sector, HSR Layout,
Bangalore - 560102

The account upgrade process takes 3 to 5 working days.


 +  What is KYC?

Know your Customer (KYC)) is the due diligence process governed by Reserve Bank of India (RBI) for customer identification and to ascertain relevant information. This is obligatory for amounts related to Rs.50, 000 and above. YPAYCASH customers, opting for Prepaid Maxima Plan have to comply with KYC norms as per regulation.

 +  Is there any registration or application download charges?

Some good things in life come free. There are no charges to upgrade to MAXIMA.
For a few services there is a convience charge aplicable.Click here

Start here to know about merchant mobile app or collecting payments
from customers.


 +  MERCHANTS

 +  How do I become a YPAYCASH merchant?

You need to call us at 1800-4250-6789. Our business development team will help you with the registration process. Alternately, you can write to us at info@ypaycash.com

 +  What is the YPAYCASH Merchant mobile wallet app?

YPAYCASH Merchant mobile wallet app enables merchants and retailers to collect payments from customers using mobile wallet account for goods and services provided.

 +  How do I collect payments from customers?

Open YPAYCASH app on your mobile and key-in your e-PIN. Click on the menu ‘Merchant Services’, select ‘Collect Payment’ and scan the QR code presented by the customer. It will display details of the payment to be received. Accept and confirm the payment. On successful completion of process you will receive a payment receipt confirmation.

 +  I’m using a Smartphone that I am used to now. Can I use my phone as a merchant mobile wallet?

Of course, you can use your phone. You simply need to register under ‘stores’ of YPAYCASH Merchant section. For further details contact our Customer Care 1800-4250-6789 or email us at info@ypaycash.com Our sales team will be happy to help.

 +  What should I do if I made a mistake in processing a transaction?

If the error is due to overcharging the customer, or if the customer enters a higher amount than required, you have to settle the surplus amount either in cash or by providing products or services equivalent to the surplus amount.

 +  Does my customer require a smart phone to use the YPAYCASH mobile wallet?

Any mobile phone with application download capability can use the YPAYCASH mobile wallet.

 +  I have forgotten my e-PIN? What should I do?

Not to worry. Just call our Customer Care and we will arrange to provide you with technical support at your merchant place.

 +  What should I do if my device is not working?

Contact our Customer Care 1800-4250-6789 or email us info@ypaycash.com. We will arrange for our technician to visit your merchant place to address your issues.



Still have questions?

To find the best answer, choose the category that fits your question. You can also write to us at info@ypaycash.com


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