Recommended Gateways
Best Rates
Visa / Mastercard / RuPay
| Gateway | Fee | Per Txn Limit |
|---|---|---|
| Razorpay Crowpay EDU Best | 2.49% | ₹94,999 |
| Razorpay Crowpay Fast | 2.49% | ₹39,999 |
| Razorpay TRANSIT | 2.99% | ₹49,999 |
Powered by Razorpay & Cashfree
Instant Cash On Your Credit Card
From Anywhere in India
India's most trusted PayByLink service. Transfer your credit card limit to any bank account in just 5–15 minutes at just 2.49% — zero hidden charges, 100% encrypted.
Bank-Grade Security
Instant Settlement
Encrypted Gateway
10,000+ Users
4.8★ Rated
10,000+
Happy Customers
2.49%
Starting Rate
5–15 min
Settlement Time
4.8 ★
Customer Rating
Important Information
Transparent charges · Secure transactions · No hidden conditions — ever.
Best & Reliable Rates
We use Razorpay — India's most trusted payment processor — offering competitive rates with high success ratios and fast settlement for Visa, Mastercard, and RuPay cards.
Minimum Service Fee
For transactions below ₹10,000, a minimum processing fee of ₹250 applies. Use our calculator below to see exact amounts before proceeding.
Corporate / Business Cards
Transactions using corporate or business credit cards attract a minimum fee of 5% due to higher gateway charges. Personal cards use standard rates from 2.49%.
100% Secure & Compliant
All transactions are AES 256-bit + SSL encrypted via Razorpay. Your card data is never stored on our servers. PCI DSS compliant. DMCA protected at all times.
Our Competitive Rates
Choose the best gateway for your card and amount. No hidden charges, ever.
American Express
Amex Only
American Express credit cards only
| Gateway | Fee | Per Txn Limit |
|---|---|---|
| Cashfree Crowpay EDU | 5.5% | ₹2,00,000 |
Amex cards have higher gateway fees due to card network charges. However, Amex offers the highest per-transaction limit of ₹2 lakh — ideal for large transfers.
Calculate Your Charges
Select your gateway & amount — see exactly what you'll receive. No surprises.
Per transaction limit: ₹94,999 (Razorpay Crowpay EDU)
You Will Receive
₹48,755
Direct to your bank account
Transaction Amount₹50,000
Gateway Charge 2.49%−₹1,245
Min. Fee (below ₹10K)₹0 Free
💰 Net Receivable₹48,755
⚠ Min. ₹250 for txns below ₹10,000 · Corporate cards: 5% min · Subject to gateway availability
How PayByLink Works
4 simple steps. Money in your bank in under 15 minutes from anywhere in India.
Make Payment
Click the secure link and pay via your credit card through Razorpay. OTP verification required for security.
Share Screenshot
Send the payment confirmation screenshot on WhatsApp at +91 9090569555 immediately after payment.
Share Bank Details
Provide your bank account number and IFSC code for instant transfer to your account.
First Time? CKYC
Complete the one-time CKYC verification form. Takes just 2 minutes. First-time customers only.
Complete CKYCTrusted by Thousands
Real experiences from real customers across India who used PayByLink.
★★★★★
"Needed urgent cash for a medical emergency. Spotcash PayByLink transferred ₹80,000 in literally 7 minutes. Completely smooth, no hidden charges at all."
★★★★★
"I use Spotcash PayByLink every month for business vendor payments. 2.49% is unbeatable and I earn credit card reward points too! Highly recommended."
★★★★☆
"Used PayByLink for ₹90,000 via HDFC card. Very professional team, transparent about charges. Money in account within 10 minutes. Will use again."
PayByLink FAQs
Everything you need to know about Spotcash PayByLink credit card to cash service.
PayByLink se credit card cash kaise milta hai?
4 simple steps: (1) Payment link pe click karo aur credit card se pay karo via Razorpay. (2) Payment screenshot WhatsApp pe bhejo +91 9090569555 pe. (3) Bank account number aur IFSC share karo. (4) Cash 5–15 minutes mein bank mein transfer ho jaata hai.
PayByLink credit card cash ka charge kitna hai?
Starting at 2.49% via Razorpay Crowpay EDU. American Express cards ke liye 5.5% via Cashfree. Transactions below ₹10,000 pe minimum ₹250 processing fee applicable. Koi hidden charges nahi.
Kaunse credit cards PayByLink mein accept hote hain?
HDFC, ICICI, SBI, Axis, Kotak, HSBC, Yes Bank, IndusInd aur American Express. Visa, Mastercard, RuPay, aur Amex — sab accept hote hain different gateways ke through.
Maximum kitna amount PayByLink se transfer kar sakte hain?
Razorpay Crowpay EDU: ₹94,999 | Crowpay Fast: ₹39,999 | TRANSIT: ₹49,999 | Amex via Cashfree: ₹2,00,000 per transaction. Multiple transactions possible in a day.
PayByLink se bank transfer kitne time mein hota hai?
Payment confirm hone ke baad bank transfer sirf 5–15 minutes mein complete hota hai. Screenshot share karo, bank details do — instant processing. 9AM–9PM, 7 days available.
Secure · Fast · PAN India · 9AM–9PM · 7 Days
Ready for Instant Cash?
Trusted by 10,000+ customers across India. Transfer your credit card limit to any bank account in 5–15 minutes from anywhere.