The new Buy Now Pay Later Platform in town — PostPay
So, the cricketing scene & hence the associated moods of Desi people is abuzz with only one word — T20 World Cup. People aren’t quite done with T20, yet !
But there is something else too which is cashing in as well as creating in on the buzz. That is, a new App. Lots of them seems to be coming to the fore these days. What does this app do ? Well, it is simple.
You go to a shop, you buy something, you scan it, haven’t you done this millions of times already now. Let’s cut to the chase. This app gives you ‘credit’ & pays that amount for you, yes you heard that right. Credit. So, its kind of a credit card only without the hassles or so you think, after having watched their ads.
Although, they claim that you may obtain credit for higher amounts too, more than just a chai and you know what. But that’s not what we’re talking about here.
What I was interested in, was to find out what it takes to just buy stuff without having to worry about cash reserves and pay it at a later date, whenever feasible. So I set out, and I couldn’t reach the destination. But as they say “the journey is more beautiful than the destination”, so, here you go !
They send you a link to click via WhatsApp and voila, you’re done. No OTPS needed. Yayy !
So this is the tricky stuff, what clicking the allow button essentially does is generate a Credit Score for you (dont worry, it does not lower it) and shares it with the app with your ‘consent’. (see that allow button there ? yes that.)
Next up, you fill in you PAN Details, AADHAR Details and do something unique post that. You click a selfie of yours and upload it. There is no option of uploading a photo or something. Only a selfie clicked in real-time. Also, they access some stuff from your DigiLocker profile.
Now, as you might be hoping I get to login to the main stuff, well I couldnt. Here is a picture showing my utmost failure in doing so. I am in the waiting line, they asked me to refer to move up the line. I did not and have uninstalled the software. So, I shall try for an update to this when I get to access the main screen, with a real merchant in the future (or not :p )
Thankyou for reading the blog. If you liked it please Refer it to your friends, just like the app asked me to (look, its not me, its the app)
Feel free to reach out to me via e-mail
Until Next Time !