Ring Merchant APK Download: A Guide to the Online Instant Credit Platform
Do you need quick and easy credit for your online and offline transactions? Do you want to enjoy amazing offers and cashbacks when you pay with your smartphone? If yes, then you should check out Ring Merchant APK, a revolutionary app that lets you access instant credit up to Rs. 5 lakhs and pay at over 8 lakh merchant stores across India. In this article, we will tell you everything you need to know about Ring Merchant APK, including its features, benefits, download process, usage guide, and FAQs. Read on to find out how you can make your life easier with Ring Merchant APK.
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What is Ring Merchant APK?
Ring Merchant APK is an Android app that belongs to the finance category. It is developed by Onemi Technology Solutions Pvt. Ltd., an Indian company that provides online instant credit solutions. Ring Merchant APK is also known as RING or Pay with Ring, and it is powered by an RBI-registered NBFC (Si Creva Capital Services Pvt. Ltd.).
Ring Merchant APK is an app that allows you to get a pre-approved credit limit up to Rs. 5 lakhs in under 2 minutes, with just your PAN card and phone number. You can use this credit limit to pay at over 8 lakh merchant stores across India, transfer money to your bank account, make bill payments, UPI payments, and online transactions. You can also avail of personal loans up to Rs. 5 lakhs with flexible repayment options ranging from 3 to 24 months.
Ring Merchant APK is not only a convenient and hassle-free way to access credit, but also a rewarding one. You can earn cashbacks and rewards every time you transact on Ring, and unlock higher credit limits on timely repayment. Ring Merchant APK also follows a human-first approach to customer service, ensuring that your data is safe and secure, and your queries are resolved with empathy and courtesy.
Features and benefits of Ring Merchant APK
Here are some of the features and benefits of using Ring Merchant APK:
Easy credit up to Rs. 5 lakhs: You can get a pre-approved credit limit up to Rs. 5 lakhs in under 2 minutes, with just your PAN card and phone number. No physical documentation or collateral required.
One-click magic onboarding: You can register on Ring Merchant APK by simply scanning the welcome QR code or downloading the app from Google Play Store or Uptodown.
Quick and simple application process: You can apply for credit or personal loans on Ring Merchant APK by filling in some basic details and accepting the offer. No lengthy forms or verification calls involved.
Flexible and multiple repayment options: You can repay your credit or loan amount as per your convenience, using debit card, net banking, UPI, or cash at select outlets. You can also choose from various repayment tenures ranging from 3 to 24 months.
Instant approval and credit activation: You can get instant approval for your credit or loan application on Ring Merchant APK, and start using your limit right away. No waiting time or hidden charges involved.
No physical documentation: You You don't need any physical documentation to use Ring Merchant APK. You just need to upload your PAN card and a selfie, and verify your phone number and email address.
Wide acceptance across India: You can use Ring Merchant APK to pay at over 8 lakh merchant stores across India, including online and offline retailers, e-commerce platforms, restaurants, salons, pharmacies, and more. You can also use Ring to make bill payments, UPI payments, and online transactions.
Money transfer to bank account: You can transfer money from your Ring credit limit to your bank account in seconds, and use it for any purpose. You can also withdraw cash from any ATM using your Ring virtual card.
Cashbacks and rewards: You can earn cashbacks and rewards every time you transact on Ring Merchant APK, and redeem them for vouchers, coupons, or discounts. You can also unlock higher credit limits and lower interest rates on timely repayment.
Safe and secure transactions: You can rest assured that your data and transactions are safe and secure on Ring Merchant APK, as it uses 256-bit encryption and follows RBI guidelines. You can also set a PIN or fingerprint lock for your app.
Human-first customer service: You can contact Ring customer care anytime via phone, email, or chat, and get your queries resolved with empathy and courtesy. You can also access FAQs, tutorials, and tips on the app.
How to download and install Ring Merchant APK
If you want to download and install Ring Merchant APK on your Android device, you can follow these simple steps:
Go to Google Play Store or Uptodown on your device and search for Ring Merchant APK or RING or Pay with Ring.
Select the app from the search results and tap on Install. Alternatively, you can scan the welcome QR code at any Ring merchant store to download the app.
Wait for the app to download and install on your device. You may need to grant some permissions to the app during the installation process.
Once the app is installed, open it and register with your phone number and email address. You will receive an OTP to verify your number.
Upload your PAN card and a selfie, and fill in some basic details to complete your profile. You will get a pre-approved credit limit in under 2 minutes.
You can now start using Ring Merchant APK to pay at merchant stores, transfer money to your bank account, make bill payments, UPI payments, online transactions, and personal loans.
How to use Ring Merchant APK
Here are some of the ways you can use Ring Merchant APK:
How to register and get a credit limit
To register and get a credit limit on Ring Merchant APK, you need to follow these steps:
Open the app and enter your phone number and email address. Verify your number with an OTP.
Upload your PAN card and a selfie, and fill in some basic details such as name, date of birth, gender, marital status, occupation, income, etc.
Accept the terms and conditions and the credit agreement. You will get a pre-approved credit limit up to Rs. 5 lakhs in under 2 minutes.
You can also apply for a personal loan up to Rs. 5 lakhs by selecting the loan option on the app. You will need to provide some additional details such as address proof, bank statement, etc., and accept the loan offer.
How to pay with Ring at merchant stores
To pay with Ring at merchant stores, you need to follow these steps:
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Select the Pay option on the app and scan the QR code at the merchant store. Alternatively, you can enter the merchant ID or phone number manually.
Enter the amount you want to pay and confirm the transaction with your PIN or fingerprint.
You will receive a confirmation message on your app and an SMS on your phone. The transaction amount will be deducted from your credit limit.
You can also view your transaction history and details on the app.
How to transfer money to your bank account
To transfer money from your Ring credit limit to your bank account, you need to follow these steps:
Select the Transfer option on the app and enter your bank account details such as account number, IFSC code, etc. You can also add multiple bank accounts and choose your preferred one.
Enter the amount you want to transfer and confirm the transaction with your PIN or fingerprint.
You will receive a confirmation message on your app and an SMS on your phone. The transaction amount will be credited to your bank account within 24 hours.
You can also view your transfer history and details on the app.
How to repay your credit and get rewards
To repay your credit and get rewards on Ring Merchant APK, you need to follow these steps:
Select the Repay option on the app and choose your repayment mode. You can use debit card, net banking, UPI, or cash at select outlets.
Enter the amount you want to repay and confirm the transaction with your PIN or fingerprint.
You will receive a confirmation message on your app and an SMS on your phone. The transaction amount will be added to your available credit limit.
You can also view your repayment history and details on the app.
You can earn cashbacks and rewards every time you repay on time. You can redeem them for vouchers, coupons, or discounts on the app. You can also unlock higher credit limits and lower interest rates on timely repayment.
FAQs about Ring Merchant APK
Here are some of the frequently asked questions about Ring Merchant APK:
Is Ring Merchant APK safe and secure?
Yes, Ring Merchant APK is safe and secure. It uses 256-bit encryption and follows RBI guidelines to protect your data and transactions. It also allows you to set a PIN or fingerprint lock for your app. You can also contact Ring customer care in case of any issues or complaints.
What are the eligibility criteria and documents required for Ring Merchant APK?
To use Ring Merchant APK, you need to meet the following eligibility criteria:
You must be an Indian citizen above 18 years of age.
You must have a valid PAN card and a phone number.
You must have a bank account with a debit card or net banking facility.
The documents required for Ring Merchant APK are:
PAN card
Selfie
Address proof (optional)
Bank statement (optional)
What are the interest rates and fees for Ring Merchant APK?
The interest rates and fees for Ring Merchant APK vary depending on your credit profile, transaction amount, repayment tenure, etc. However, here are some indicative rates and fees for your reference:
TypeRate/Fee
Interest rate1.5% to 2.5% per month
Late payment feeRs. 100 + GST per day
Cheque bounce feeRs. 500 + GST per bounce
Processing feeUp to 2% of the transaction amount + GST
Preclosure feeUp to 4% of the outstanding amount + GST
Part payment feeUp to 2% of the part payment amount + GST
Cash withdrawal feeUp to 2.5% of the withdrawal amount + GST
Cash deposit feeRs. 50 + GST per deposit
GST18% of the applicable fee/charge/interest
How can I contact Ring customer care?
You can contact Ring customer care anytime via phone, email, or chat. Here are the contact details:
TypeContact Details
Phone+91-22-4890-0000 (Monday to Saturday, 9 AM to 6 PM)
Emailcare@paywithring.com (24x7)
ChatIn-app chat feature (24x7)
What are the alternatives to Ring Merchant APK?
If you are looking for alternatives to Ring Merchant APK, you can consider some of these apps that also offer online instant credit and payment solutions:
Lazypay: Lazypay is an app that lets you pay later for your online and offline purchases, with a credit limit up to Rs. 1 lakh. You can also avail of personal loans up to Rs. 5 lakhs with Lazypay.
Simpl: Simpl is an app that lets you buy now and pay later for your online transactions, with a credit limit up to Rs. 10,000. You can also get cashbacks and rewards with Simpl.
ZestMoney: ZestMoney is an app that lets you get no-cost EMI on your online and offline purchases, with a credit limit up to Rs. 5 lakhs. You can also get personal loans up to Rs. 10 lakhs with ZestMoney.
Paytm Postpaid: Paytm Postpaid is an app that lets you pay later for your Paytm transactions, with a credit limit up to Rs. 60,000. You can also use Paytm Postpaid to pay at merchant stores, make bill payments, UPI payments, and online transactions.
Conclusion
Ring Merchant APK is a great app for anyone who needs quick and easy credit for their online and offline transactions. It offers a pre-approved credit limit up to Rs. 5 lakhs, instant approval and activation, flexible and multiple repayment options, cashbacks and rewards, money transfer to bank account, wide acceptance across India, safe and secure transactions, and human-first customer service. You can download and install Ring Merchant APK from Google Play Store or Uptodown, or scan the welcome QR code at any Ring merchant store. You can also visit the official website of Ring Merchant APK for more information.
We hope this article has helped you understand everything you need to know about Ring Merchant APK. If you have any questions or feedback, please feel free to leave a comment below. Thank you for reading!
FAQs
Here are some of the FAQs that you might have after reading this article:
Q: How can I increase my credit limit on Ring Merchant APK?
A: You can increase your credit limit on Ring Merchant APK by maintaining a good repayment history, updating your income details, inviting your friends to join Ring, and transacting more on Ring.
Q: How can I get a personal loan on Ring Merchant APK?
A: You can get a personal loan on Ring Merchant APK by selecting the loan option on the app and filling in some additional details such as address proof, bank statement, etc. You will get an instant loan offer that you can accept or reject.
Q: How can I use my Ring virtual card?
A: You can use your Ring virtual card to withdraw cash from any ATM or make online transactions on any platform that accepts Visa cards. You can view your card details on the app and generate a new card number or CVV anytime.
Q: How can I redeem my cashbacks and rewards on Ring Merchant APK?
A: You can redeem your cashbacks and rewards on Ring Merchant APK by selecting the rewards option on the app and choosing from various vouchers, coupons, or discounts available. You can also use your cashbacks to repay your credit or loan amount.
Q: How can I refer my friends to join Ring Merchant APK?
A: You can refer your friends to join Ring Merchant APK by selecting the invite option on the app and sharing your referral code or link with them. You and your friends will get Rs. 100 each when they register and transact on Ring. 44f88ac181
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