Innopay

Q: What is Innopay and how does it work?

A: Innopay is a digital payments platform that allows users to pay for a wide range of services, including mobile recharges, utility bills, loan EMIs, credit card bills, rent payments, insurance premiums, and more. It integrates various payment options such as UPI, credit/debit cards, net banking, and digital wallets to make transactions seamless and secure.

With Innopay, users can also enjoy cashback offers, discounts, and rewards for making regular payments. The platform ensures fast and hassle-free transactions with its secure payment gateway and supports real-time bill payments for major service providers across India.

Q: What services can I pay for using Innopay?

A: Innopay offers a comprehensive payment solution covering multiple services:

1. Recharge Services

• Mobile Prepaid: Recharge for Jio, Airtel, VI, BSNL, and more.

• Cable TV & DTH: Recharge for Tata Play, Airtel Digital, Sun Direct, and other operators.

• FASTag Recharge: Supports IndusInd Bank, SBI, Axis Bank, ICICI Bank, and other providers.

2. Utility Bill Payments

• Broadband & Postpaid Bills: Pay for JioFiber, Airtel Xstream, BSNL Broadband, etc.

• Electricity Bills: Pay for all major power providers across India.

• Water Bills: Pay municipal water bills securely.

• Gas & LPG Cylinder Payments: Pay for piped gas and LPG cylinder refills.

• Landline Bills: Pay for BSNL, MTNL, and private telecom landlines.

3. Financial & Recurring Payments

• Loan EMI Payments: Pay EMIs for home loans, personal loans, car loans, and more.

• Credit Card Bill Payments: Manage and pay credit card dues securely.

• Insurance Premiums: Pay life, health, and vehicle insurance premiums.

• Tax Payments: Pay income tax, property tax, and other government taxes.

• Rental Payments: Transfer rent directly to landlords and earn cashback.

• Housing Society Fees: Pay maintenance and other charges for apartments and societies.

  
  

Q: What is the Innopay Refer & Earn program and how does it work?

A: The Innopay Refer & Earn program is a rewards initiative that allows existing users to earn ₹20 cashback for every friend they refer to the app. The referred friend must sign up using the referral code SMUWXUQE and complete a payment of ₹200 or more for the referrer to receive the cashback.

The process works as follows:

1. Get your referral code from the "Refer & Earn" section in the Innopay app.

2. Share your referral code with friends via WhatsApp, SMS, or social media.

3. The friend must sign up on Innopay using the referral code.

4. They must complete a transaction of ₹200 or more.

5. Once the transaction is done, ₹20 cashback is instantly credited to the referrer’s Innopay wallet.

This program provides an opportunity to earn unlimited cashback, as there is no cap on the number of referrals.

Q: How do I find and share my referral code on Innopay?

A: To find and share your referral code, follow these steps:

1. Open the Innopay app and log in.

2. Navigate to the "Refer & Earn" section.

3. Your unique referral code (for example, SMUWXUQE) will be displayed.

4. Tap the "Copy" or "Share" button.

5. Send the code to your friends via WhatsApp, SMS, email, or social media.

Once they use your code while signing up and make a ₹200+ transaction, you will receive your referral bonus.

Q: What is the official referral code of Innopay?

A: The Innopay referral code is SMUWXUQE.

Q: How much can I earn from the Innopay referral program?

A: You can earn ₹20 for every successful referral. There is no limit to the number of friends you can refer, meaning you can earn unlimited cashback.

Additionally, Innopay allows users to earn up to ₹1,00,000 per month through referrals, making it one of the most lucrative cashback programs.

Q: Where is my referral cashback credited, and how can I use it?

A: The referral cashback of ₹20 is credited instantly to your Innopay wallet once the referred friend completes a ₹200+ transaction.

You can use this cashback for:

• Mobile recharges and bill payments

• DTH, FASTag, and broadband recharges

• Utility bills like electricity, water, and gas

• Transferring to your bank account (if applicable)

Q: What is the minimum transaction required for my referral reward?

A: Your referred friend must make a transaction of ₹200 or more to trigger the referral reward. This can be any payment, such as:

• A mobile recharge

• A bill payment

• A DTH or FASTag recharge

• Any other eligible transaction within the Innopay app

If the friend signs up but does not complete the minimum ₹200 payment, the referral bonus will not be credited.

Q: How can I track my referral rewards?

A: You can track all your referrals and earnings in the Innopay "Refer & Earn" section:

1. Open the Innopay app.

2. Go to the "Refer & Earn" section.

3. View your total successful referrals, pending rewards, and earned cashback history.

If a referral is pending, it means the friend has not yet completed a qualifying ₹200 transaction.

Q: Can I refer multiple friends to Innopay?

A: Yes, you can refer as many friends as you like. There is no limit to referrals, and each successful referral earns you ₹20 cashback.

If you have a large network of friends, family, or social media followers, you can maximize your earnings and potentially earn up to ₹1,00,000 per month.

Q: What happens if my referred friend forgets to use my referral code?

A: If your friend does not enter your referral code (SMUWXUQE) while signing up, you will not receive the referral cashback.

To avoid this:

• Tell your friend to manually enter the code during sign-up.

• Use the "Invite" button to share a direct link that auto-applies your referral code.

• Ensure they make a ₹200 transaction immediately after sign-up.

Once the referral code is missed, it cannot be applied later, and the referral reward is lost.

Q: Can I withdraw my Innopay referral cashback to my bank account?

A: Yes, the cashback you earn from referrals can be transferred to your linked bank account, subject to Innopay’s withdrawal policies.

You can also use it for bill payments, recharges, or any other transaction within the app.

Q: How long does it take to receive the referral cashback?

A: The referral cashback is credited instantly after your referred friend completes their first transaction of ₹200 or more.

In some cases, due to verification or technical delays, it may take up to 24 hours to reflect in your Innopay wallet.

Q: Can I refer people who already have an Innopay account?

A: No, the Innopay referral program is only for new users. If someone already has an Innopay account, they cannot be referred.

To ensure eligibility, the person you refer must:

• Be a first-time Innopay user.

• Sign up using your referral code.

• Complete a ₹200 transaction after signing up.

Q: Is there a deadline or expiry for referral rewards?

A: Referral cashback does not expire once credited to your Innopay wallet. However, the Refer & Earn program may be modified or discontinued at any time by Innopay, so it is best to take advantage of it as soon as possible.

Always check the latest terms in the Innopay app or official website.

Q: What if my referral reward is not credited?

A: If your referral reward is missing, follow these steps:

1. Ensure your friend used your referral code while signing up.

2. Confirm that they made a transaction of ₹200 or more.

3. Check if the cashback is pending in your referral section.

4. Wait up to 24 hours for processing.

5. If the issue persists, contact Innopay customer support through:

   • Live Chat in the Innopay app

   • Email: support@innopay.in

Q: Can I use Innopay referral earnings to pay other users?

A: Yes, you can use your referral cashback for:

• Bill payments, recharges, and FASTag top-ups.

• Payments to merchants accepting Innopay.

• Transferring to your bank account (if allowed).

It works like regular Innopay balance, giving you flexibility in usage.

Q: How can I register on Innopay?

A: To start using Innopay, follow these steps:

1. Download the Innopay app from the Google Play Store or Apple App Store.

2. Sign Up by entering your mobile number and verify it via OTP authentication.

3. Provide Basic Details such as name, email ID, and preferred language.

4. Set Up a Payment Method: Link your UPI ID, debit/credit card, or net banking account.

5. Start Making Payments: Once registered, you can access all features of the app.

Note: If additional verification (KYC) is required for higher transaction limits, users may need to submit PAN, Aadhaar, or other ID proof.

Q: What payment methods are supported on Innopay?

A: Innopay supports multiple payment options to provide flexibility for users:

1. UPI (Unified Payments Interface) – Works with Google Pay, PhonePe, Paytm, and other UPI apps.

2. Credit & Debit Cards – Supports Visa, Mastercard, RuPay, and Amex cards.

3. Net Banking – Secure payments via online banking for all major banks.

4. Digital Wallets – Transactions via wallets such as FreeCharge, Paytm, and Mobikwik.

Innopay ensures that all transactions are secured using encryption technology, providing a safe and fast payment experience.

Q: How secure are transactions on Innopay?

A: Security is a top priority at Innopay, and it follows strict RBI guidelines to protect user transactions. Some of the key security features include:

• SSL Encryption & Secure Payment Gateway to prevent unauthorized access.

• Multi-Factor Authentication (MFA) for every transaction.

• OTP Verification for added security before completing a payment.

• Fraud Detection & AI Monitoring to prevent suspicious transactions.

• Compliance with PCI-DSS Standards, ensuring secure handling of card payments.

Users are advised to never share OTPs or passwords to keep their accounts safe.

Q: Does Innopay offer cashback and rewards?

A: Yes, Innopay offers cashback and exclusive rewards on various transactions:

• Up to 5% Cashback on mobile recharges and bill payments.

• Special Discounts on loan EMI and credit card bill payments.

• Exclusive Coupons & Offers on rent payments, insurance premiums, and FASTag recharges.

Users can check ongoing cashback offers in the ‘Offers & Rewards’ section of the app.

Q: How do I check my payment history in Innopay?

A: To view past transactions:

1. Open the Innopay app.

2. Tap on the "History" option at the bottom of the screen.

3. View all past transactions with details such as payment date, amount, and transaction status.

Users can also download payment receipts for future reference.

Q: How do I recharge my mobile or pay a bill using Innopay?

A:

1. Open Innopay and select the "Recharge & Bills" section.

2. Choose Mobile Recharge, Electricity Bill, or any other bill type.

3. Enter the required details (mobile number, operator, account number, etc.).

4. Select a payment method and complete the transaction.

Users receive instant confirmations for all successful payments.

Q: Can I pay my rent or society maintenance fees using Innopay?

A: Yes, Innopay allows users to pay rent and housing society fees securely. Users can:

• Directly transfer rent to landlords using UPI or bank transfers.

• Pay housing society maintenance fees without visiting the office.

• Earn cashback and discounts on timely rent payments.

Q: How do I recharge FASTag using Innopay?

A:

1. Open the Innopay app and go to the "FASTag Recharge" section.

2. Select your FASTag provider (ICICI, SBI, HDFC, Axis, etc.).

3. Enter the vehicle number or FASTag ID.

4. Choose an amount and complete the payment.

FASTag recharges are processed instantly.

Q: Can I pay my loan EMI through Innopay?

A: Yes, Innopay supports loan EMI payments for home loans, personal loans, business loans, and more. Users can:

• Pay EMIs for banks and NBFCs securely.

• Set up automatic reminders to avoid late fees.

• Earn cashback on timely EMI payments.

Q: How do I contact Innopay customer support?

A: Users can reach Innopay support via:

• Live Chat in the app.

• Email: support@innopay.in

• Help Center section in the app.

Support is available 24/7 for urgent issues.

Q: What happens if my payment fails on Innopay?

A: If a payment fails, users should:

• Check their bank statement to see if the amount was deducted.

• Wait for 24-48 hours for an automatic refund.

• Contact Innopay support for assistance.

Q: Is there a transaction limit on Innopay?

A: Yes, per RBI guidelines, daily limits include:

• UPI transactions: ₹1,00,000 per day.

• Credit Card Payments: Bank-imposed limits apply.

Q: Does Innopay support international transactions?

A: No, Innopay only supports payments within India and does not process international transactions.