PayCred
🇮🇳Proudly Made in India
Fast • Secure • 100% RBI Compliant
Fast • Secure • 100% RBI Compliant
Use your Visa, Mastercard, RuPay, or Amex credit card to settle school, college, and coaching fees. Earn credit card milestone rewards, preserve liquidity, and download instant GST receipts.
Education fees are among the largest recurring household expenses in India. Paying with a credit card offers unmatched financial advantages.
Retain your savings in high-yield fixed deposits or mutual funds while your credit card issuer funds the tuition fees interest-free for up to 45 to 50 days.
Achieve annual card milestone spend targets (e.g. â‚ą4 Lakhs or â‚ą8 Lakhs) effortlessly to unlock bonus vouchers, annual fee waivers, and complimentary flight tickets.
Unlike direct bank debits or UPI transfers which cannot be reversed, credit cards provide zero liability protection against unauthorized transactions and billing errors.
PayCred partners with RBI-licensed payment aggregators to accept all primary card networks in India.
Classic, Gold, Platinum, Signature & Infinite cards
Standard, Titanium, Platinum & World cards
Domestic & Global RuPay credit cards
Membership Rewards, SmartEarn, Platinum Travel
Complete transparency on transaction routing, penny-drop validation, and banking timelines.
Before any transaction is routed, PayCred sends ₹1 to the institute’s account via IMPS to verify that the beneficiary name registered in banking databases matches the school or university name.
You authenticate the transaction via standard OTP sent to your registered mobile number by your card issuer. No card details are stored unencrypted on our servers.
Funds are settled directly to the verified educational institution's bank account. Standard settlements occur in 1-2 banking working days, while priority settlements process on the same business day.
RBI Compliance & Permitted Domestic Scope
Tuition fee collections on PayCred are strictly restricted to legitimate, recognized domestic educational institutions located within India and processed in Indian Rupees (INR). Cross-border remittances, payments to foreign universities abroad under the Liberalised Remittance Scheme (LRS), unauthorized peer-to-peer money transfers, and credit card cash advances are strictly prohibited.
Card details are securely tokenized. We never store your CVV or PIN.
Prompt reversal or 2–24h bank refund if a biller rejects a transaction.
Get timestamped digital receipts valid for IT claims & accounting.
Direct WhatsApp assistance (+91 83560 14390 - WhatsApp only).
Operated by HINDUSTAN MFG • GSTIN: 27BZWPK3501Q1ZM • Registered in Mumbai, Maharashtra, India.
Trusted credit card tuition payments across India
“Cleared my HDFC card bill on the exact due date. Got an instant BBPS receipt on WhatsApp within 30 seconds and earned reward coins. Zero late fee stress!”
“Found the lowest flight fare on PayCred compared to other apps. E-ticket and PNR were confirmed immediately. Extremely clean checkout process.”
“Paid my son’s quarterly school fees using my ICICI credit card. The official school fee receipt was generated on the spot. Safe, verified and reliable.”
“Bill fetched automatically with consumer number. Paid in 1-click via UPI. Payment was acknowledged by the electricity board in minutes.”
Answers regarding fees, limits, card rewards, and bank settlements.
PayCred accepts all major credit cards issued by RBI-regulated Indian banks including HDFC Bank, SBI Card, ICICI Bank, Axis Bank, Kotak Mahindra, IndusInd, RBL, Standard Chartered, and American Express. Personal and corporate cards on Visa, Mastercard, RuPay, and Diners Club networks are supported for domestic educational payments in Indian Rupees (INR).
No. In strict compliance with Reserve Bank of India (RBI) Payment Aggregator guidelines and FEMA regulations, PayCred operates solely for domestic educational payments within India in Indian Rupees (INR). We do not support cross-border educational remittances, foreign exchange card payments, or overseas student fee transfers under the Liberalised Remittance Scheme (LRS).
Yes, depending on your card issuer’s rewards programme terms, education fee spends qualify for reward points, cashback, or milestone benefits. Using cards like HDFC Infinia/Regalia, Axis Atlas/Magnus, Amex Platinum Travel, or SBI Cashback can generate significant travel miles and reward points on large education outlays.
Calculate your exact fee and start payment in seconds.
PayCred offers ultra-competitive, transparent processing charges starting as low as 1% to 1.5% depending on the card network and settlement urgency selected. The complete breakdown including 18% GST is displayed upfront before you authorize the transaction.
When you pay your school or college fees via credit card at the start of your billing cycle, your card issuer provides 20 to 50 days (typically 45 days average) before the statement bill is due. This allows you to manage cash flow comfortably without drawing down emergency savings.
Standard unverified transactions support payments up to â‚ą25,000. Completing a quick 1-minute Aadhaar/PAN instant digital KYC increases your single transaction limit up to â‚ą75,000 and monthly velocity up to â‚ą1,50,000 or higher upon verified income assessment.
PayCred settles funds directly to the institution’s verified bank account via RBI-regulated banking rails (IMPS/NEFT/RTGS). The institute receives the full tuition amount directly, accompanied by student name and enrollment identification.