Step by Step

The Complete Process

Follow these 4 steps and have cash in your bank within minutes

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Step 01

WhatsApp Us with Your Requirements

Open WhatsApp and message +91 9090 569 555. Tell us:

• Your credit card type (e.g., HDFC Visa, SBI Mastercard)
• Amount you need in cash (minimum ₹1,000)
• Your preferred time (working hours: Mon–Sat 9AM–8PM IST)

New customers: Please complete our 2-minute KYC form first (one-time only).

💡 First time? Complete KYC at forms.gle/het6bjL7NNQqTmtj9 before WhatsApping us.

🔗

Step 02

Receive Your Secure Payment Link

We will send you a secure, encrypted payment link via WhatsApp — powered by Razorpay or Cashfree (both RBI-approved gateways).

The link specifies the exact amount. When you open the link and select payment category:

• Choose "Education" or "Travel" for the best 2.5% rate
• Avoid "Utility" — it attracts extra surcharges
• HDFC card? We use a dedicated premium gateway for you

💡 The payment link is secured with 256-bit SSL encryption. Your card data is processed directly by Razorpay — we never see it.

📸

Step 03

Pay & Share Confirmation + Bank Details

Complete the payment using your credit card. Once done:

1. Take a clear screenshot of the payment success page
2. Send the screenshot on WhatsApp
3. Also send your bank account details: Account Number, IFSC Code, Account Holder Name

That's it — we take over from here and process your transfer immediately.

💡 Double-check your bank account details before sending. NEFT/IMPS transfers cannot be reversed once initiated.

🏦

Step 04

Receive Cash in Your Bank Account

We initiate the NEFT/IMPS transfer to your bank account immediately after verifying your payment screenshot. The amount credited is:

Your Amount − Service Fee (min 2.5% or ₹250)

Most transfers complete within 3–10 minutes. Our average is under 5 minutes. You'll receive a confirmation SMS from your bank when the amount is credited.

✅ Average settlement time: Under 5 minutes. Fastest recorded: 90 seconds. Working hours: Mon–Sat 9AM–8PM IST.

Accepted Cards

All Major Cards Accepted

We support virtually every credit card issued by Indian banks

🏦

HDFC Bank

Dedicated premium gateway for HDFC credit cards. Highest success rate, fastest processing via exclusive channel.

💳

ICICI / Axis / Kotak

Standard Razorpay gateway at 2.5% flat. All variants — Coral, Signature, Platinum — accepted.

🏧

SBI / Bank of India

All SBI and public sector bank credit cards accepted. Cashfree gateway for maximum compatibility.

💼

American Express

Amex cards processed at 5.5% fee via dedicated gateway. Max limit ₹2,00,000 per transaction.

🌐

IndusInd / Yes / HSBC

Private sector and foreign bank cards accepted at standard 2.5% via Razorpay gateway.

🏢

Corporate / Business

Business and corporate credit cards processed at minimum 5% fee. WhatsApp us for custom plans.

Pro Tips

Get the Best Results

Follow these tips to ensure the smoothest and fastest transaction

Always select "Education" or "Travel" as payment category ▾

When you open the Razorpay payment link, you'll be asked to select a payment category. Always choose "Education" or "Travel" to get the best 2.5% rate. Selecting "Utility" or other categories may attract additional gateway surcharges.

Transact during working hours for fastest settlement ▾

Our working hours are Monday–Saturday, 9AM–8PM IST. Transactions during these hours are processed immediately. WhatsApp us outside hours for next-morning priority processing — your spot is held.

Keep your credit card OTP ready before paying ▾

Your bank will send a one-time password (OTP) to your registered mobile number to authenticate the payment. Make sure your phone is nearby and the registered number is active to avoid payment failure.

Double-check bank account details before sending ▾

Verify your Account Number, IFSC Code and Account Holder Name carefully before sharing on WhatsApp. Once we initiate the NEFT/IMPS transfer, it cannot be reversed. Wrong details cause delays and complications.

For amounts above ₹94,999 — split into multiple transactions ▾

The standard Razorpay gateway has a per-transaction limit of ₹94,999. For higher amounts, you can do multiple transactions back to back. Alternatively, WhatsApp us to arrange a custom solution — we handle large amounts regularly.

New user? Complete KYC first to avoid delays ▾

First-time users must complete our 2-minute Google Form KYC before their first transaction. This is a one-time requirement — all future transactions are processed instantly without any KYC step.

Try the Calculator

See What You'll Receive

Enter your amount and see the exact net credit — no surprises

⚡

Transaction Calculator

Credit Card Amount

₹

Fee Rate

⚡ Proceed 💬 WhatsApp

💰 Net Credit to Your Bank

₹48,750

Credit Card Amount₹50,000

Service Charge−₹1,250 (2.5%)

Processing Fee₹0 Free

✅ NEFT/IMPS credited in ~5 minutes

Credit Card to Cash in
4 Simple Steps

The Complete Process

All Major Cards Accepted

Get the Best Results

See What You'll Receive

Start Your First Transfer
Right Now — Takes 5 Minutes

Credit Card to Cash in4 Simple Steps

The Complete Process

All Major Cards Accepted

Get the Best Results

See What You'll Receive

Start Your First TransferRight Now — Takes 5 Minutes

Credit Card to Cash in
4 Simple Steps

Start Your First Transfer
Right Now — Takes 5 Minutes