You are reminded prior to your repayments and on the day of the repayment so always remember to have sufficient funds with you. In the situation you are unable to repay please contact the Zeropay team immediately. If repayment is missed you will no longer be able to make purchases using Zeropay. We will attempt to recover the payment from you for four days after which we inform our concerned NBFC partner and your bureau score/report is updated. Zeropay reserves the right to use recovery agencies if we feel so, in extreme cases( i.e repayments due beyond 1 month) Zeropay will raise a legal notice and proceed with a legal course of action.