Frequently Asked Questions

Zyaadatar transfers 3–10 minutes mein complete hote hain card swipe aur OTP verification ke baad. Kuch bank delays ke cases mein maximum 30 minutes. Hamare end se processing instant hoti hai — 98% success rate.

Minimum: ₹1,000    Maximum: ₹5,00,000 per transaction at our Turbhe store. For PayByLink, limits depend on gateway (up to ₹94,999 per link for standard cards, ₹2,00,000 for Amex). For amounts above ₹1 lakh at store, additional verification may be required.

Sab major credit cards accept hote hain — Visa, Mastercard, RuPay aur American Express:

Sirf 3 cheezein chahiye:

1. 1
   Credit Card — active, sufficient available limit ke saath
2. 2
   Government ID — Aadhaar, PAN, ya Voter ID. Name exactly match honi chahiye credit card se
3. 3
   Bank Account Details — account number + IFSC code transfer ke liye

Bilkul! Rent payment via credit card hamare sabse popular services mein se ek hai. Hum directly aapke landlord ke bank account mein transfer karte hain. Aap month end mein credit card bill pay karo aur reward points bhi earn karo! Same 2.5% flat charge applies.

Haan! Hamare PayByLink service se poora transfer remotely complete kar sakte ho. WhatsApp karein, secure payment link bhejenge. Koi store visit nahi — PAN India available hai. PayByLink ke baare mein aur jaano →

Spotcash flat 2.5% charge karta hai sab transactions pe — minimum ₹250. Koi hidden fees nahi. Hamare calculator se exact amount check karo pehle se.

Bilkul nahi. Hamara 2.5% flat rate all-inclusive hai — koi processing fee nahi, koi GST surprise nahi, koi bank charges hamare end se nahi. Calculator jo dikhata hai, wahi pay karna hoga. Zero surprises.

Agar transaction fail hoti hai toh koi amount deduct nahi hoga aapke credit card se. Partial failure case mein hum turant reversal initiate karte hain. Support team se contact karein — hum 30 minutes mein resolve karte hain. Refund policy padho →

Nahi. Hamara 2.5% charge mein sab kuch included hai — GST, processing, settlement — kuch alag nahi. Jo calculator mein dikhata hai, wahi final amount hai. No extra charges.

Hum 7 days a week, 9AM se 9PM operate karte hain — Sundays aur sab public holidays bhi included. WhatsApp aur phone support puri working hours mein available hai. Emergency ke liye WhatsApp message kar do — hum quickly respond karte hain.

PayByLink haari remote credit card to cash service hai powered by Razorpay. Aapko WhatsApp pe ek secure payment link bheja jaata hai. Aap India mein kahi se bhi online transaction complete kar sakte ho — store visit ki zaroorat nahi.

PayByLink ke rates:

Transactions below ₹10,000: minimum ₹250 processing fee. PayByLink calculator se exact amount check karo →

1. 1
   Best rate chahiye? → Razorpay Crowpay EDU — 2.49%, limit ₹94,999
2. 2
   Amex card hai? → Cashfree Crowpay EDU — 5.5%, limit ₹2,00,000
3. 3
   Alternative? → Razorpay TRANSIT — 2.99%, limit ₹49,999

Full rates comparison dekho →

Haan, one-time KYC required hai sab new customers ke liye. Sirf 2–3 minutes lagte hain. CKYC form yahan complete karo → Repeat customers ke liye instant processing hoti hai.

Haan, bilkul. Spotcash Metakosh Technologies Pvt Ltd ke under operate karta hai — 2015 se active, 5000+ customers served. Sab transactions AES 256-bit + 128-bit SSL encrypted hain, DMCA protected hain, aur Indian financial regulations ke saath fully compliant hain.

Haan. Aapka credit card data hamare servers pe store nahi hota. POS transactions certified terminals se hote hain. PayByLink mein Razorpay ka PCI-DSS compliant gateway use hota hai. Hum sirf transaction confirmation reference rakhte hain — card details nahi.

KYC Indian financial regulations (RBI guidelines + PMLA) ke compliance ke liye mandatory hai. Aapka KYC data AES 256-bit encryption se secure store hota hai aur sirf authorised personnel access kar sakte hain. Hum kabhi aapka data sell ya share nahi karte — except jab law require kare. Privacy Policy padho →

Haan, credit card to bank transfer aapki credit card limit use karta hai — exactly jaise koi bada purchase hota hai. Transfer amount aapki available limit se deduct hoga. Aapka credit card bill aapke normal billing cycle mein aayega. Hamare charges aapki limit pe nahi, total swiped amount pe apply hote hain.