HDFC Payzapp


The HDFC PayZapp app is one of the comprehensive apps provided by HDFC, offering features like UPI, money transfers, bill payments, mobile recharges, card linking with swipe-to-pay, wallet-to-account transfers, shopping access, and PayZapp CashPoints with rewards integration.

With integrated banking and wallet features, PayZapp is a one-stop solution for mobile payments through the HDFC Bank mobile ecosystem.

Read on to learn more about the HDFC PayZapp E-wallet app, its services, how to set it up, and how you, as a user, can benefit best from it.


HDFC PayZapp is a smart, secure, and convenient mobile payment solution that allows users to make instant payments, recharge, shop online, and transfer funds using a single platform. You can use the application as a wallet as well as a digital card.

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Table of Contents:

HDFC PayZapp Registration and Login

HDFC Bank’s PayZapp is a digital payment app that functions as both a mobile wallet and a virtual card. It enables users to pay bills, transfer money, and shop online or offline without directly using their bank account or physical cards.

Like Google’s, Apple’s, or Samsung’s wallet app, the PayZapp app is a digital wallet application that also works as a virtual card.

Hence, both HDFC and non-HDFC customers can use the application by linking their other accounts to the app, just like other UPI apps.

The PayZapp app registration process is simple and secure. To access the wallet, please follow the steps below:

  1. At the Play Store or App Store, search for PayZapp.
    2. payzapp-playstore
    install-payzapp
  2. Install the app listed under HDFC Bank Ltd and launch it.
  3. Enter your mobile number for SIM binding.
  4. Enter the OTP sent to your mobile.
  5. Tap on the option to link all your bank accounts registered under the number and add them to your wallet.
    • You can additionally choose the option to link your Debit and/or Credit Cards too.
  6. Set up your 4-digit PayZapp pin for app security. You can enable your biometrics too, if your device supports it.
  7. Complete your profile, and you can start using the app.

To log in to your account,

  1. Install the app
  2. Open the app and enter your number, followed by the OTP.
  3. If your account is an existing one, you will be asked to enter your mPIN.
  4. After entering your mPIN, you will be logged in and you can use the app at your ease.

No additional documents or previous existence of an HDFC account are required.

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Apps Available in HDFC Mobile Banking

HDFC Bank offers multiple mobile apps for specific needs, ensuring flexibility and control in digital banking. HDFC mobile banking offers a strong cover over digital banking, remotely.

Here is a list of all the apps and their functions:

App Name Function
HDFC Bank App (Early Access) Unified mobile banking app for personal banking and account management.
Loan Assist – Quick Bank Loans Helps users explore and apply for HDFC Bank loans quickly.
HDFC Bank SmartWealth Investment and wealth management platform for HDFC Bank customers.
HDFC Bank Digital Rupee Interface to manage and transact using RBI's Digital Rupee via HDFC Bank.
HDFC Bank Corp Mobile Banking Corporate banking app for managing business accounts and transactions.

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Limits and Charges of PayZapp

HDFC PayZapp enables quick payments within defined usage limits and minimal charges. However, like any other application, PayZapp also has limits for transactions. Here are the details:

PayZapp Wallet Limits

KYC Status Wallet Spending Limit Wallet to Account Transfer Limit
Non-KYC Compliant ₹10,000 (per transaction)
₹1,20,000 (yearly)		 Not available
KYC Compliant (Bank-Based KYC) ₹2,00,000 (per transaction)
₹10,00,000 (yearly)		 ₹50,000 per beneficiary/month
₹1,50,000 total/month
₹10,00,000/year

PayZapp Wallet Charges

Transaction Type Mode Charges
Wallet Loading UPI Nil
HDFC Bank Debit Card Nil
Non-HDFC Debit Card Nil
HDFC Credit Card 2.5% + GST
Non-HDFC Credit Card 2.5% + GST
Wallet to Bank Transfer Any Zero Charges

UPI Transaction Limits & Charges via PayZapp (Linked Bank Account)

Transaction Type Limit Charges (Customer) Charges (Merchant)
General UPI Transactions (P2P/P2M) ₹1,00,000/day or 20 transactions/day Free None
Merchant Transactions (EMI, loans, capital markets) ₹2,00,000 per transaction Free 1.1% interchange fee for PPI-based UPI less than ₹2,000
IPO Applications ₹5,00,000 per transaction Free Not applicable
New UPI Users ₹5,000/day for the first 24 hours Free None
Monthly/Yearly Limit No fixed monthly/yearly cap (daily limits apply) Free —

Note: The 1.1% interchange fee applies only to merchants for UPI transactions via Prepaid Payment Instruments (like the PayZapp wallet). End users are not charged.

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Features & Benefits of HDFC PayZapp

HDFC PayZapp simplifies everyday transactions through fast and secure digital wallet services. Here are the basic features and benefits of HDFC PayZapp.

  • Instant Payments: Pay for utilities, mobile recharges, and tickets.
  • Secure Transactions: Protected via mPIN, device binding and high-secure internet protocols.
  • Smart Deals: Cashback offers and exclusive partner discounts.
  • Easy Fund Transfers: Send money to contacts using UPI or bank details.
  • Bill Splits & Reminders: You can make shared payments or group expenses.
  • Digital Wallet facility: Link all your accounts registered under the number.
  • Linked Wallets: Auto top-up from HDFC accounts for seamless usage.
  • E-commerce Integration: Pay across major online retailers from the app.
  • Offers and benefits: You can get the best deals and offers for products at selected platforms, like e-commerce platforms.

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Frequently Asked Questions

HDFC PayZapp is a digital payment app from HDFC Bank that allows users to make wallet-based and UPI transactions seamlessly.

To use the HDFC PayZapp wallet, install the app, link your HDFC account or card, add funds, and use it for recharges, shopping, or bill payments.

HDFC PayZapp connects your bank account to a secure digital wallet, allowing direct payments using stored card or account details.

The HDFC PayZapp prepaid card is a virtual card linked within the PayZapp app used for online shopping and bill payments.

To use HDFC PayZapp wallet money, simply select PayZapp during checkout or transfer wallet funds to eligible contacts or merchants.

To delete the HDFC PayZapp account, contact HDFC Bank customer care to permanently close your PayZapp account and delink wallet access.

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