Simpl: Shop Now. Pay Later 4+

Buy Now Pay Later App - BNPL

Get Simpl Technologies

    • Free

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Buy Now and Pay Later on 26000+ popular brands with Simpl. The Simpl app offers you a spending limit using which, you can make quick payments online without the hassle of entering OTPs or passwords. With Simpl, you can shop for your favourite products first using your allotted credit and pay for them later.

Why use the Simpl Pay Later App?
Simpl saves you from the trouble of giving away your bank details for every purchase you make online. Each time you share your financial details online, you are at the risk of cyber fraud. So, by dramatically reducing the number of times you share your bank details online, Simpl reduces the chances of cyber theft.

Shop Now, Pay Later on 26,000+ brands
Using the Simpl payment app, you can buy now, pay later for any item or service from popular brands like Zomato, Bigbasket, Blinkit, MakeMyTrip, Dunzo, JioMart, Zepto, Tata 1mg, Nykaa, UrbanCompany, Goibibo, RedBus, Rapido and many more.

Monthly Bill Payments
After a few successful transactions, the option of paying monthly utility bills via Simpl gets unlocked. You can then pay your electricity bills, prepaid and postpaid mobile bills, water bills, Wi-Fi recharges, gas bills and others with just a single tap. Like other payments made via the Buy Now, Pay Later app, these bills get added to your Simpl bill which you clear twice a month.

Here are a list of things you can do using Simpl:

Make Quick Payment online with just one tap:
Simpl is one of the best buy now, pay later apps that let you pay for products and services with just one tap on your phone. You would not require any OTPs, CVVs or long passwords to make payments via Simpl.

To make premium products more affordable, you can Pay-in-3 via Simpl on our select merchants. The first part of the payment is made at the checkout, while the other two are made in the next two months that follow.

Zero Interest or Hidden Fees
Simpl is one among the few Buy Now, Pay Later apps in India that allows you to pay for products and services online without any interest rates or hidden charges.

Get your Refunds in No Time
With Simpl, you never have to stress about delayed refunds.

Minimum KYC
You can set up the Simpl BNPL app within minutes as it requires minimum paperwork for verification.

Avail Exciting Offers and Discounts
With the Simpl pay later app, you can claim discounts and cashback as you purchase from popular brands like Zomato, UrbanClap, MakeMyTrip, and 26,000+ more!

Unlock Billbox & Make Online Utility Bill Payments Easy

Your Go-To App for Recharges
After a few successful transactions, you can use Billbox on Simpl pay later app for monthly utility bills like electricity bills, mobile recharges, Wi-fi recharges, water bills and so many more. You can clear them all with just a single tap using Simpl.

Hassle-free repayments
With Simpl, online monthly bill payments become the easiest that they can be. You clear them first and pay for them later. All the monthly utility bills you pay via Billbox like electricity bills, gas bills, mobile recharges, Wi-fi recharges and others get added to your Simpl bill which you have to clear once every fortnight.

How does Simpl Work?
Simpl produces consolidated bills twice every month. On the 15th of every month, you receive the bill for the purchases you made between the 1st to 15th of that month. Similarly, you receive the bill for your purchases made between 16th to 30th/31st.

If you consistently fail to pay your Simpl bill timely, the pay later app charges a penalty of up to INR 250 excluding GST. However, if you inform Simpl of any technical issues that stopped you from paying the bill timely, there are no additional charges.

Your spending limit changes depending on timely bill payments and usage. If you clear your dues consistently and timely, we can increase your spending limit.

Read the FAQs here!:

To check if you’re pre-approved for Simpl, visit

What’s New

Version 6.5.1

With this update, we've fixed a few bugs and made some small improvements

Ratings and Reviews

4.6 out of 5
32.2K Ratings

32.2K Ratings

shivvvaa ,

Love the app

This is maybe the first time i am writing a review for any application but simpl has made me so happy all this while that i have to do it for them, This application is amazing, They give you a very good credit limit obviously according to your credit scores, And they just don’t find reasons to take money from there customers, They are so nice that without asking any questions they give you around 15 more days to pay your dues, They even don’t force you to pay any late fees if you miss any payments you can just ask them to remove it and they remove it again without any questions. They literally have such nice customer executives who really understand your situation and believe in you that you will pay back. Really hats off to simpl for being such an amazing company, Thank you for always making my tummy full even when sometimes i am not able to make a payment through my bank. Thank you simpl, really god bless you.

Developer Response ,

Hi There, This brought a big smile to our faces! Thank you! We always strive to provide the best experience to our customers!

Shyam Panjwani ,

Worst app i have ever used

I used this app to pay my electricity bill, but unfortunately, I found it to be the worst app. My money is currently stuck or lost. On May 22, I paid my bill through Simpl using my UPI ID. The money was deducted from my bank, but my bill is still showing as pending on the Rajasthan e-board. The same pending status is displayed on Simpl. Today is May 27, and there has been no update for the past five days. Below are the most significant issues I have experienced with Simpl: 1) They don’t have customer support. They just have a cheap or free AI that does not answer my questions. It just keeps loading and nothing else. After a lot of struggle on Google, I found their support email. It seems they have a rule to reply only once on weekdays, no matter how quickly you respond, and they do not reply on Saturdays and Sundays. 2) My bill due date is today, May 27. The reply I got from the support person is that I need to wait for 5-7 working days for my money if the transaction is canceled. Basically, they are saying they are unsure if the payment was made or not. If it wasn't, they will somehow refund my money, and I will have to pay my e-bill again, even if the due date has passed. After all my struggles over the last five days, I have to wait as I am unable to speak to anyone and won’t get any updates. My opinion as a user is to please stay away from this app.

Developer Response ,

Shyam, we are really unhappy to hear about your concern, and we wish to resolve this for you with utmost priority. To better assist you, please log in to your email and fill out the form provided below. We'll ensure a prompt and effective resolution to any concerns you may have:


vpsuman ,

Simpl: A Hassle-Free Payment App

I have been using this application for paying my bills, FASTag, recharge etc. since long and I am thoroughly impressed with its seamless interface and user-friendly features.

Simpl mobile application is truly a game-changer for anyone looking for a hassle-free and convenient payment experience.

One of the most significant benefits of Simpl is its ability to streamline the payment process. Gone are the days of fumbling with cash or multiple payment apps.

Another impressive feature of Simpl is its transparent and straightforward payment process. The app sends real-time notifications for each transaction, making it easy to track expenses and stay on top of your budget. Additionally, the app also offers a monthly statement that shows a detailed breakdown of all your transactions, making it easy to keep track of your spending.

Overall, Simpl is a fantastic mobile application that simplifies the payment process and takes the stress out of managing your finances. It is a must-have for anyone who values convenience, transparency, and ease-of-use. I highly recommend Simpl to anyone looking for a top-notch payment app.
My best wishes ahead….

Developer Response ,

Hi Suman, we are elated to know that you loved our app. Thank you so much for your wonderful remarks. Hope we always meet your expectations. Keep using our app. :)

App Privacy

The developer, Get Simpl Technologies, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Location
  • Contact Info
  • Usage Data
  • Diagnostics

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Diagnostics

Privacy practices may vary based on, for example, the features you use or your age. Learn More

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