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YES Bank’s SMS Pay allows merchant to send payment link directly through EDC to customer’s phone over SMS, providing convenience of remote payments through debit/credit cards.

SMS Pay enables a safe and simple way to request payments against invoices and receive digital payments securely with an easy setup on EDC.

We offer dedicated customer service that ensures fast response and reliable support , for all categories of merchants and business segments

Interested? Download the application form by clicking below and email to or email to respective branch through registered email id for activation​


VAS Form

key attractions

Contactless Payments

Safe and secure remote payments through SMS

Minimal Rentals

Only transaction charges applicable

Quick & easy setup on the EDC

Digital payments reduces risk of counterfeit currency and theft

features and benefits

Digital & Cashless payment option

Use SMS Pay to accept digital payments and reduce cash dependencies.

Easy Reconciliation

Collect all payments in one account and reduce reconciliation hassles.

Accept payments through Domestic cards

Offer convenience of remote payments through Domestic Debit Cards and Credit Cards.


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Documents Required

  • VAS Form



Q. Am I eligible for SMS Pay feature on my EDC?

Yes, if you are existing YBL Merchant & hold IWL 220, ICT 220, Paytivo 7210,M2500,Vx675 terminals.


Q. How do I apply for activating SMS Pay?

Fill up the registration form & submit it to your Relationship Manager or nearest branch.


Q. What are applicable charges?

Zero monthly charges. Only transaction charges applicable same as POS charges.


Q. How does it benefit me?

SMS Pay creates additional mode of accepting the payments & reduce cash dependencies. It allows you to complete end to end digital payment collection through your existing POS terminal.


Q. Whether international card payment facility is active for SMS Pay?

No, SMS pay will be available for acceptance of domestic cards only, even for merchant with International acceptance on the POS.


Q. What if customer makes the payment and amount is debited but merchant has not received the chargeslip?

System will generate reversal of the transactions and amount will be credited to the cardholder in due course.


Q. Does the payment link expire due to time lapse?

Yes . Expiry time of payment link is 30 min.


Q. Whether merchant can create multiple payment link for same customer or not?

Multiple payment links can be created for separate sale transactions for the same customer.


Q. Can the card holder modify the value before processing the payment?

Cardholder cannot modify the value.


Q. How will Merchant find if the payment is received?

The merchant can check the status of the transaction on the EDC terminal and print chargeslip for successful transaction. Merchant can also check it on the portal which will be made available to the merchant.


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