{"id":1937,"date":"2025-07-25T07:36:51","date_gmt":"2025-07-25T07:36:51","guid":{"rendered":"https:\/\/railtravels.org\/?page_id=1937"},"modified":"2025-07-25T07:36:51","modified_gmt":"2025-07-25T07:36:51","slug":"book-now-pay-later-irctc","status":"publish","type":"page","link":"https:\/\/www.reilsolar.com\/train\/book-now-pay-later-irctc\/","title":{"rendered":"Book Now Pay Later IRCTC"},"content":{"rendered":"

Book Now Pay Later IRCTC<\/strong><\/p>\n

IRCTC Epaylater Rules \u2013 IRCTC E Paylater Charges -E Paylater IRCTC Registration<\/strong><\/p>\n

IRCTC epaylater<\/strong><\/p>\n

Booking of Railway Tickets Without Paying Money In Advance<\/strong><\/p>\n

A scheme of booking e-ticket online and making payment after 15 days through \u2018ePaylater\u2019 powered by M\/s Arthashastra Fintech Pvt. Ltd., as pilot project, has been introduced by Indian Railway Catering and Tourism Corporation Ltd. (IRCTC). Under this scheme, a customer has the option to pay after 15 days of booking an e-ticket through IRCTC website. The service charge levied on using \u2018ePaylater\u2019 scheme is 3.50% of transaction amount and applicable taxes. Online ticketing through IRCTC website is gaining popularity and its share vis-a-vis counter tickets is increasing. Further, online ticket booking is also being promoted as a cashless mode of transaction.<\/p>\n

ePaylater as a payment option is displayed at the payment page of IRCTC website to make people aware about the availability of this payment method. Details about its service charge and \u2018Terms & Conditions\u2019 of the scheme are also provided at the payment option page.<\/p>\n

This information was made available in reply to a question in Lok Sabha today.<\/p>\n

Source: PIB<\/p>\n

Here\u2019s a comprehensive guide to IRCTC\u2019s \u201cBook Now, Pay Later\u201d<\/strong> facility\u2014officially called ePayLater<\/strong> or Travel Now, Pay Later (TNPL)<\/strong>:<\/p>\n

\n

\ud83d\udcdd What Is IRCTC \u201cBook Now, Pay Later\u201d?<\/h2>\n
    \n
  • IRCTC offers a deferred payment option through ePayLater<\/strong> (via Arthashastra Fintech) and CASHe<\/strong> (Travel Now, Pay Later) for booking train tickets\u2014including Tatkal<\/strong> reservations.\ue202turn0search11\ue202turn0search3\ue201<\/li>\n
  • This feature allows you to book tickets immediately without upfront payment<\/strong>, and settle the payment within 14\u201315 days<\/strong>.\ue202turn0search3\ue202turn0search10\ue201<\/li>\n<\/ul>\n
    \n

    \u2699\ufe0f How It Works<\/h2>\n

    \u2705 Registration:<\/h3>\n
      \n
    • Sign up on ePayLater<\/strong> or CASHe<\/strong> using your mobile number<\/strong>, email<\/strong>, and PAN card<\/strong> details.\ue202turn0search3\ue202turn0search10\ue201<\/li>\n<\/ul>\n

      \ud83d\uded2 Booking Process:<\/h3>\n
        \n
      1. Log in to your IRCTC account.<\/li>\n
      2. Choose your train and complete passenger details.<\/li>\n
      3. At the payment page, select \u2018Pay Later\u2019<\/strong> option.<\/li>\n
      4. Choose either ePayLater<\/strong> or CASHe<\/strong>.<\/li>\n
      5. Log in with OTP to the provider portal and confirm the amount.<\/li>\n
      6. Booking is completed instantly and you receive your ticket.\ue202turn0search2\ue202turn0search7\ue202turn0search5\ue201<\/li>\n<\/ol>\n

        \ud83e\uddfe Repayment:<\/h3>\n
          \n
        • No interest if payment is made within the 14-day window<\/strong>.<\/li>\n
        • A service fee<\/strong> \u2014 typically around 3.5% + applicable taxes<\/strong> \u2014 is applied at booking.\ue202turn0search1\ue202turn0search3\ue201<\/li>\n<\/ul>\n
          \n

          \ud83c\udfaf Key Benefits<\/h2>\n
            \n
          • Tatkal Advantage<\/strong>: Eliminates OTP delays during payment\u2014crucial for Tatkal bookings.\ue202turn0search4\ue202turn0search3\ue201<\/li>\n
          • Fast Transactions<\/strong>: Avoids entering bank or card details at checkout, speeding up the booking process.<\/li>\n
          • Short-Term Credit<\/strong>: Allows you to travel now and pay later (within 14\u201315 days) without interest.<\/li>\n<\/ul>\n
            \n

            \u26a0\ufe0f Things to Watch Out For<\/h2>\n

            \ud83d\udcb8 Additional Fees:<\/h3>\n
              \n
            • A service charge (~3.5%) is added. Confirm at the checkout screen.\ue202turn0search1\ue202turn0search3\ue202turn0search10\ue201<\/li>\n<\/ul>\n

              \ud83e\uddfe Reliability:<\/h3>\n
                \n
              • IRCTC wallet usage has been inconsistent\u2014users have reported failed bookings, delayed OTPs, and no refunds of wallet funds. Better to use ePayLater or UPI\/net banking instead.\ue202turn0reddit15\ue202turn0reddit17\ue202turn0reddit21\ue201<\/li>\n
              • Payment gateways may default to costlier options. Reddit users advise choosing UPI<\/strong> (e.g., BHIM) manually for lower fees.\ue202turn0reddit20\ue202turn0reddit16\ue201<\/li>\n<\/ul>\n

                \ud83e\uddfe New Regulations:<\/h3>\n
                  \n
                • From July 1, 2025<\/strong>, Aadhaar-linked IRCTC accounts will be mandatory for booking Tatkal tickets<\/strong>. After July 15<\/strong>, Aadhaar-based OTP authentication<\/strong> will be activated for added security.\ue202turn0news14\ue202turn0news13\ue201<\/li>\n<\/ul>\n
                  \n

                  \ud83d\udccb Quick Comparison Table<\/h2>\n\n\n\n\n\n\n\n\n\n\n\n
                  Feature<\/th>\nDetails<\/th>\n<\/tr>\n<\/thead>\n
                  Service Name<\/strong><\/td>\nePayLater \/ Travel Now Pay Later (TNPL)<\/td>\n<\/tr>\n
                  Applicable For<\/strong><\/td>\nRegular + Tatkal bookings<\/td>\n<\/tr>\n
                  Payment Window<\/strong><\/td>\n14\u201315 days after booking<\/td>\n<\/tr>\n
                  Service Fee<\/strong><\/td>\n~3.5% + GST of fare<\/td>\n<\/tr>\n
                  Security Advantage<\/strong><\/td>\nNo OTP delay at checkout; useful in high-volume bookings<\/td>\n<\/tr>\n
                  Limitations<\/strong><\/td>\nExtra convenience fee; requires registration<\/td>\n<\/tr>\n
                  Refund Policy<\/strong><\/td>\nStandard IRCTC rules apply (service fee non-refundable)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n
                  \n

                  \ud83d\udca1 Pro Tips<\/h2>\n
                    \n
                  • Register ePayLater or CASHe<\/strong> account well before Tatkal opening time.<\/li>\n
                  • For urgent bookings, opt for UPI (BHIM, PhonePe, PayTM)<\/strong> over card\/net banking to avoid extra gateway charges.\ue202turn0reddit20\ue202turn0reddit16\ue201<\/li>\n
                  • Make sure IRCTC account is Aadhaar-linked<\/strong> before July 2025 if you plan to book Tatkal.\ue202turn0news14\ue202turn0news13\ue201<\/li>\n<\/ul>\n
                    \n

                    Would you like:<\/p>\n

                      \n
                    • Step-by-step guidance on registering with ePayLater\/CASHe<\/strong>?<\/li>\n
                    • A walkthrough of the Book Now Pay Later option on IRCTC site<\/strong>?<\/li>\n
                    • Notes on penalties or late payment charges<\/strong>?<\/li>\n<\/ul>\n

                      Let me know\u2014happy to help!<\/p>\n","protected":false},"excerpt":{"rendered":"

                      Book Now Pay Later IRCTC IRCTC Epaylater Rules \u2013 IRCTC E Paylater Charges -E Paylater IRCTC Registration IRCTC epaylater Booking of Railway Tickets Without Paying Money In Advance A scheme of booking e-ticket online and making payment after 15 days through \u2018ePaylater\u2019 powered by M\/s Arthashastra Fintech Pvt. Ltd., as pilot project, has been introduced […]<\/p>\n","protected":false},"author":102,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-1937","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.reilsolar.com\/train\/wp-json\/wp\/v2\/pages\/1937","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.reilsolar.com\/train\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.reilsolar.com\/train\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.reilsolar.com\/train\/wp-json\/wp\/v2\/users\/102"}],"replies":[{"embeddable":true,"href":"https:\/\/www.reilsolar.com\/train\/wp-json\/wp\/v2\/comments?post=1937"}],"version-history":[{"count":0,"href":"https:\/\/www.reilsolar.com\/train\/wp-json\/wp\/v2\/pages\/1937\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.reilsolar.com\/train\/wp-json\/wp\/v2\/media?parent=1937"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}