What Is PayByLink? Card to Bank Transfer from Home — Complete Guide

PayByLink in one sentence

PayByLink is SpotCash's remote service: we send you a secure, encrypted payment link, you pay with your credit card, and we transfer the money to your verified bank account — all from your phone.

How it works

1. Complete KYC once. New customers finish a short online KYC — about two minutes.
2. Request a link. Raise a request in the SpotCash app, or WhatsApp +91 9090569555.
3. Pay securely. Open the link, enter your card details on the secure payment page and confirm the OTP.
4. Get paid. Money is sent to your verified bank account, typically within 5–15 minutes.

What it costs

PayByLink rates come from the same live engine as the SpotCash app. They depend on your card type, the amount and how quickly you want the money — instant, next working day or in two working days. See the exact charge on the PayByLink page.

Staying safe

• Only use links that come from the SpotCash app or our official WhatsApp number, +91 9090569555.
• Never share your OTP, CVV or PIN with anyone — our team will never ask for them.
• Check the web address before entering card details.
• Money is only sent to bank accounts in your own verified name.

Who it's for

PayByLink suits customers in Mumbai, Thane, Pune or anywhere else in India, and Navi Mumbai customers who simply prefer not to travel.

Frequently asked questions

Is PayByLink available outside Maharashtra?

Yes, it is available across India.

Can I use an American Express card?

Yes. Amex and corporate cards are supported, sometimes at a different rate shown in the calculator.