Simpl is a mobile-first platform for credit-based payments that allows users to buy now and pay later in three installments at no extra charges with many advantages. Simpl is among the most premier checkout experiences available today, and it is available on over 26,000+ brands. Simpl uses a highly robust data and engineering model to approve users on the basis of their own proprietary scoring system without impacting customers overall credit history. The algorithms used in the back-end undergo an ever-evolving process of iteration, making them more nuanced and efficient each day. Simpl is committed to simplifying and democratizing digital transformation in India’s payments space with proven technology expertise. Simpl Pay Later is one of the highest-rated Pay Later apps in India, and it allows users to pay with just one tap, within seconds. Simpl provides a cycle of 15 days to repay bills, and it allows users to track all their expenses on various brands with one single consolidated bill. Simpl does not charge any hidden fees or additional charges, and it offers exclusive cashbacks and offers on various merchants when users pay via the app.