I have been using Lazypay for an year and a half now and the concept is simple.buy now pay later ! Pay later in 15 days ! Not a bad concept if you want to buy something or pay your bills on the 15th of a month and are cash strapped then You can use Lazypay. You use Lazypay, pay them back in time and your Credit increases. Your Credit could be anywhere between INR 800 to INR 7000, although Kyc is required. You miss your due date and a charge of INR 10 per day is levied. You dont pay at all and your Account is Suspended. I have personally never missed a repayment as their Reminders are Prompt and through various channels like email, App notifications and Messages. Lazypay is Not Accepted by Many Merchants though, only a select few, which is a shame ! You can refer to list of Merchants on their App or website. Please Pay them back diligently though as they aren't asking for too much documentation to give you Credit.! Highly Recommended.