Transform your credit card limit into real money — clear bills before due dates, shift funds card-to-card, and handle it all safely with CredPayZ. POS swipe & home service available.
Never pay just the minimum amount again — that's how banks trap you with huge interest. We pay your full credit card bill for you, on time, before the due date. No late fees, no penalties, no interest pile-up. You stay tension-free and your credit score stays clean.
Whether you're facing a due-date crunch, need urgent cash, or want to shift funds between cards — CredPayZ handles it all, safely and swiftly.
Tight before the due date? We clear your bill on time — zero late fees, zero penalties, zero stress. Your credit score stays spotless.
Move your card limit directly into your bank account. Emergencies or big expenses — funds arrive fast, no drama, no waiting.
Transfer from any credit card to any credit card — Visa, MasterCard, RuPay. Simple, encrypted, done in minutes.
Get money from your card fully digitally — request, verify, receive. No running around, no physical visit required.
Want an instant discount or cashback using a credit card — on online shopping platforms or offline retail stores? We connect you with a card, and the discount or cashback is shared. Smart savings on your purchases, made simple.
Know more →Swipe your card on our own POS machine at our Ghaziabad office. Can't make it? We bring the machine to you — home service fully available across Ghaziabad, Noida, and Delhi NCR. Also runs 100% digitally.
No paperwork. No complexity. Share a few details and we handle everything from start to finish.
Send your request via WhatsApp or our form — the amount, your card, and your goal. That's all we need to begin.
Our team processes your transaction with bank-grade security, keeping you updated at every single step.
Bill cleared or cash in your account — fast, with zero loose ends left for you to chase. Done.
Clear charges based on your card type and method (via OTP or card swipe). No hidden costs.
Charges are subject to change. Rates may change daily, weekly, or monthly depending on the situation. The final charge is always confirmed with you on WhatsApp before proceeding.
* Estimate only. Final charge confirmed on WhatsApp. Charges may change daily/weekly depending on the situation.
| Method | Charges |
|---|---|
| Via OTP | 2.3% |
| Via Card Swipe | 2.2% |
| Card Type | Charges |
|---|---|
| Amex, Diners Club, HDFC Milenia | 4.1% |
| Corporate Cards | 3.3% |
For these cards, charges are confirmed after a quick chat — rates for these cards may change daily or weekly depending on the situation. Message us and we'll share the exact charge for your card right away.
| Card | Charges |
|---|---|
| Normal / Standard Card | 2.6% |
| Amex, Diners Club & Milenia | 4.6% |
| Corporate / Premium Cards | 3.6% |
For regular users, higher volumes or special cases, we offer customized rates. Let's work out a plan that fits you — over a quick call.
Every transaction handled with care and kept fully confidential. Your data never leaves our trusted hands.
We clear your bill on time, every time. Penalties never touch your account. Credit score stays intact.
Hand it over once and walk away. We manage the entire process — no follow-ups from your end.
Day, night, weekend — we're reachable whenever you need us. Emergencies don't wait, neither do we.
Real experiences from real customers across Delhi NCR
"Excellent support throughout the process. The team explained everything clearly and kept me updated at every step. Very professional experience."
"I needed help with an urgent payment. The response was instant, the process was handled smoothly — exactly what I needed."
"Transparent communication and great support. Every query was answered promptly. I appreciate how responsive the team was throughout."
"The process was straightforward and hassle-free. The team guided me at every step and ensured everything went through without a hitch."
"Professional service, timely assistance, no hidden charges. The team was courteous and explained every detail before proceeding."
"Reliable home visit option made it extremely convenient. Smooth POS swipe at a very fair rate. Highly recommended for Noida residents."
"Complete transparency and regular updates throughout. A reliable and professional experience overall. Will definitely use again."
"Quick response times and excellent coordination. The process was much smoother than I expected. 10 out of 10."
"Good communication, professional behavior, prompt assistance. I would definitely recommend CredPayZ to anyone needing this service."
"Staff was knowledgeable and helpful throughout. Everything handled efficiently and with great attention to detail. Top experience!"
"Very satisfied with the support. Every query answered promptly and the experience was seamless from start to finish."
"Smooth POS swipe at their office and very fair charges. The team is polite and the whole thing was done within minutes."
Everything you need to know before you transfer. Still unsure? Just WhatsApp us.
Most transfers are completed instantly via IMPS/RTGS — typically within 5 to 15 minutes during working hours. For larger amounts, it may take slightly longer as we verify everything for your safety.
No. The transaction processes as a standard POS merchant purchase — not a cash advance. This means you avoid the high cash-advance interest rates and fees that banks charge on ATM withdrawals.
We support all major networks — Visa, MasterCard, and RuPay. Both personal and most card types are accepted. Just share your card details on WhatsApp and we'll confirm.
For standard transactions, we keep the process simple. For larger amounts or regular monthly rotation, basic KYC (PAN/Aadhaar) may be requested to keep everything safe, transparent, and compliant.
Absolutely. Every transaction is handled with bank-grade security and complete confidentiality. We have two physical offices in Ghaziabad you can visit anytime, and 150+ satisfied clients across Delhi NCR.
Yes, you can transfer to any bank account in India. For card-to-card, we can move funds to any credit card as well. Just tell us the destination and we handle the rest.
For high-value transfers, we use structured, properly-paced settlements to keep your bank account in good standing and avoid any fraud flags. Our infrastructure is built to handle large volumes smoothly — we've processed ₹50Cr+ to date.
For standard cards, transfer charges are 2.3% via OTP or 2.2% via card swipe. Premium cards (Amex, Diners Club, HDFC Milenia) are 4.1% and Corporate cards are 3.3%. Bill payment by our funds starts at 2.6%. For ICICI, SBI, AU and certain other cards, the charge is confirmed on WhatsApp. Charges are subject to change — see the full table above or use the calculator.
Fill the form and our team reaches back within minutes — or call/WhatsApp us directly.
9911312139Help us understand your requirement so we can offer you the best possible pricing.
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