Pay now. Settle later.
Creddy is PayMaster's Pay Now, Settle Later facility for eligible users. Activate it in the app, use it for payments or withdraw to your bank, then settle within 7 days or extend up to 28 days.
- Activate directly in the app
- Use it for payments or withdraw to your bank
- Settle any time, even the same day
How Creddy works
From activation to a higher limit.
Creddy becomes available
When Creddy is available to you, you will see it in the app.
Activate
Activate it in the app. Your Creddy amount appears as a payment method.
Use it
Pay for eligible PayMaster transactions, or withdraw to your registered bank account.
Settle
Settle any time. The standard period is 7 days.
Grow
After your first Creddy, activity and settlements earn Creddy Points that can raise your limit.
Two ways to use your Creddy amount
Once activated, Creddy is a payment method in the app.
Pay with Creddy
Choose Creddy as the payment source for eligible reloads, bills and transfers.
Withdraw to your bank
Move it to your registered bank account. The service fee and the amount you receive are shown before you confirm.
Settle in 7 days, or extend up to 28.
You decide when to settle. Settle now or extend by 7 days from your home screen.
- Day 0Activate Creddy. You can settle any time, even the same day.
- Day 7Standard settlement date.
- Day 14Due date after one 7-day extension.
- Day 21Due date after two extensions.
- Day 28Maximum period. Settle by this day.
Each extension has an extension service fee. If a facility is not settled on time, the applicable delayed fee and OnHold rules apply.
Your limit can grow with you
After your first Creddy facility, eligible PayMaster activities and Creddy settlements earn Creddy Points.
- PayMaster activityReloads, bill payments and other eligible transactions.
- Creddy PointsPoints build up with activity and settlements.
- Creddy bracketYour total points decide your bracket.
- Creddy limitEach bracket has its applicable Creddy limit.
- Use Creddy againContinue using Creddy at your new level.
Frequently asked questions
Who can use Creddy?
Creddy is available to eligible PayMaster users. If it is available to you, you will see it in the app.
Can I settle early?
Yes. You can settle any time after activation, including on the same day.
How long do I have to settle?
The standard settlement period is 7 days. You can extend by 7 days at a time, up to a maximum of 28 days, by paying the extension service fee.
Can I withdraw Creddy to my bank?
Yes, to your registered bank account. A service fee applies and is shown before you confirm.
What happens if I settle late?
The applicable delayed fee and OnHold rules apply.
How do I get a higher limit?
After your first Creddy, eligible PayMaster activities and settlements earn Creddy Points. Your points decide your bracket and its Creddy limit.
Check if Creddy is available to you in the app.
Free on iPhone, Android and Huawei. Sign up with your mobile number.