Every morning, like clockwork, MBA student Nandan Toshniwal opens FreshMenu and orders himself breakfast. While he always knows what to order, when it comes to payment, he pauses. Cashbacks draw him to wallets. But he’s often short. So what does he do? Enter Pay Later. One click, no immediate transaction, and he’s done.
Now, the 25-year-old runs an advertising company, and Pay Later has become a habit for him. “I have abandoned wallets. Pay Later is my default option as I have a credit limit of Rs 10,000 every week. On merchants where Pay Later is not available, I use my debit card,” he says.