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Featured Times Prime Beat the Heat Sale- Get Times Prime 1yr Subscription at Rs.550 Only!

Times Prime Beat the Heat Sale- Get Times Prime 1yr Subscription at Rs.550 Only!

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https://www.timesprime.com/campaigns/p324

Times Prime Beat the Heat Sale- Get Times Prime Subscription at Rs.550 

Use Code- TPDD400

flat Rs.399 discount on Rs. 1199 + Rs.250 Cashback when you pay via Lazypay

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https://cdn0.desidime.com/attachments/photos/781407/medium/1080x1080.jpg?1656073789

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Mobile Guru Mobile Guru
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MrCritic wrote:

@kshmr

Bought today

Used AMZN250.

Got 30% discount. Paid Rs 839 via Lazypay. Got Rs 250 instant cashback and Rs 250 Amzn Voucher.

Net cost – Rs 839 – 250 (Lazypay) – 250 (Az voucher) = Rs 339 😊

https://cdn0.desidime.com/attachments/photos/781418/medium/Screenshot_2022-06-24-18-45-28-97_68cf1ced87256199209cfc99efb8a725.jpg?1656076635

https://cdn0.desidime.com/attachments/photos/781424/medium/Screenshot_2022-06-24-19-12-53-79_1776f05d5e764969079c0ebc35e42bc4.jpg?1656078351

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kshmr wrote:

Lazypay Pay Later doesn’t even ask for PAN when you sign-up. They will straight up offer you a limit upto 1000 or even more randomly. What’s the fuss about?

Do you really believe a BNPL will just give you free money without getting anything from you? When availing BNPL always assume that anything you do with it is data shared with others(like which food you like, which brand clothes you prefer, any data in your mobile etc). In today’s world if you get something for free then you(your data) are the one being sold.

Deal Lieutenant Deal Lieutenant
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guest_999 wrote:

Do you really believe a BNPL will just give you free money without getting anything from you? When availing BNPL always assume that anything you do with it is data shared with others(like which food you like, which brand clothes you prefer, any data in your mobile etc). In today’s world if you get something for free then you(your data) are the one being sold.

same is the case everywhere.. then you should stop using internet.
Even dd will have more data about you…which deal u click… which is ur prefer Merchant etc.

Deal Cadet Deal Cadet
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Anyone can share starbucks size upgrade code in exchange of paytm gv 

P.S- agar free doge toh meri duaa bhi lagegi 😂

Critic Critic
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nomag wrote:

same is the case everywhere.. then you should stop using internet.
Even dd will have more data about you…which deal u click… which is ur prefer Merchant etc.

That’s like saying since Chinese & Russian hackers can breach even US state dept emails so why bother even checking for any phishing attempt & just blame our luck when fraud happens. Does DD know which site I prefer more for ordering food, swiggy or zomato or whether I prefer veg or non veg food, no & I care not to let DD know about this. Does my credit card company know, yes but what will they do with it other than maybe giving me some user specific offer on swiggy/zomato in some very rare case so I don’t care. Does lazypay know this, yes & they will sell this data to some “XYZ research” happily which will then build your profile & send you communication over email/sms/social media to show “veg support” email or in worse case use this to analyse which party you are likely to support & show you exactly the same party supporting news/info.

Deal Lieutenant Deal Lieutenant
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guest_999 wrote:

That’s like saying since Chinese & Russian hackers can breach even US state dept emails so why bother even checking for any phishing attempt & just blame our luck when fraud happens. Does DD know which site I prefer more for ordering food, swiggy or zomato or whether I prefer veg or non veg food, no & I care not to let DD know about this. Does my credit card company know, yes but what will they do with it other than maybe giving me some user specific offer on swiggy/zomato in some very rare case so I don’t care. Does lazypay know this, yes & they will sell this data to some “XYZ research” happily which will then build your profile & send you communication over email/sms/social media to show “veg support” email or in worse case use this to analyse which party you are likely to support & show you exactly the same party supporting news/info.

what about using Facebook and Google..They know everything and shows ads based on what u talk, search etc.
How are you so sure that DD is not selling your data? They may not know what did u order but definitely know which merchant u visit more etc based on your click.

Critic Critic
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nomag wrote:

what about using Facebook and Google..They know everything and shows ads based on what u talk, search etc.
How are you so sure that DD is not selling your data? They may not know what did u order but definitely know which merchant u visit more etc based on your click.

I am not on facebook(by choice) & I rarely use google services while signed in(again by choice). DD surely have my browsing history but I often visit hottest deals only along with a lot of others so I am just another part of crowd with nothing distinguishing about me making this data “useless” to some research company. Now compare BNPL, to even apply I have to give almost all possible permissions to their app & nothing hold more personal data nowadays than your mobile & even more than that the BNPL company also get consent to use this data in whatever way they seem fit aka selling it does not violate their T&C you consented to. Unlike google, I can not just “turn off” BNPL tracking while making certain txns & even without using any txn the BNPL still has access to all the personal data already present & getting added in mobile phone on a daily basis.

Deal Captain Deal Captain
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Is it not possible now to use a different Lazypay account registered on a different number other than Timesprime one?

Deal Lieutenant Deal Lieutenant
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guest_999 wrote:

I am not on facebook(by choice) & I rarely use google services while signed in(again by choice). DD surely have my browsing history but I often visit hottest deals only along with a lot of others so I am just another part of crowd with nothing distinguishing about me making this data “useless” to some research company. Now compare BNPL, to even apply I have to give almost all possible permissions to their app & nothing hold more personal data nowadays than your mobile & even more than that the BNPL company also get consent to use this data in whatever way they seem fit aka selling it does not violate their T&C you consented to. Unlike google, I can not just “turn off” BNPL tracking while making certain txns & even without using any txn the BNPL still has access to all the personal data already present & getting added in mobile phone on a daily basis.

In that case, hope u do not use any upi as well. Of course, by choice smile

And it depends from app to app.. LazyPay does not any such permission except Location.

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nomag wrote:

In that case, hope u do not use any upi as well. Of course, by choice smile

And it depends from app to app.. LazyPay does not any such permission except Location.

I only use alphanumeric upi IDs(no mobile no) mostly for merchant txns(so similar details used as any typical card) & some occasional transfers to relatives & few friends. I have read the T&C of lazypay app & they specifically ask for permissions to access almost all the personal data in any mobile. Unless you are an expert android developer who always keep a tab on all your android system processes & apps I wouldn’t trust lazypay app even if you didn’t give it all the permissions it asked for while installing. In any case, it does have access to all your txn records on all sites anyway which it is free to sell to anyone it wants.


BNPL clearly has less privacy & fraud protection which is a fact as evident even by RBI own policy regarding non banking companies foray in personal financing segment. As long as user knows about & willingly choose to take it I have no issue as it is personal preference.

Deal Lieutenant Deal Lieutenant
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guest_999 wrote:

I only use alphanumeric upi IDs(no mobile no) mostly for merchant txns(so similar details used as any typical card) & some occasional transfers to relatives & few friends. I have read the T&C of lazypay app & they specifically ask for permissions to access almost all the personal data in any mobile. Unless you are an expert android developer who always keep a tab on all your android system processes & apps I wouldn’t trust lazypay app even if you didn’t give it all the permissions it asked for while installing. In any case, it does have access to all your txn records on all sites anyway which it is free to sell to anyone it wants.


BNPL clearly has less privacy & fraud protection which is a fact as evident even by RBI own policy regarding non banking companies foray in personal financing segment. As long as user knows about & willingly choose to take it I have no issue as it is personal preference.

UPI means – giving sms permission which is even more dangerous. Hope u knows about it.
Also, asking for a permission does not means you need to provide it.
Only Phone and location permission are compulsory.
And transaction record is maintain by every app which u use for online transaction.

If you are online, just forget about these privacy about ur shopping pattern etc.
Google and FB tracks everything if your are using website and accessing these.

Its all about Ads business.

Beacon Beacon
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AMZN250 how to apply this coupon? Only 1 coupon can be applied..

Deal Newbie Deal Newbie
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ikkabug wrote:

AMZN250 how to apply this coupon? Only 1 coupon can be applied..

Yeah only one coupon can be applied. If you use TPDD400, you cannot use AMZN250.

Deal Lieutenant Deal Lieutenant
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AMZN250 NOT WORKING

Deal Cadet Deal Cadet
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guest_999 wrote:

I only use alphanumeric upi IDs(no mobile no) mostly for merchant txns(so similar details used as any typical card) & some occasional transfers to relatives & few friends. I have read the T&C of lazypay app & they specifically ask for permissions to access almost all the personal data in any mobile. Unless you are an expert android developer who always keep a tab on all your android system processes & apps I wouldn’t trust lazypay app even if you didn’t give it all the permissions it asked for while installing. In any case, it does have access to all your txn records on all sites anyway which it is free to sell to anyone it wants.


BNPL clearly has less privacy & fraud protection which is a fact as evident even by RBI own policy regarding non banking companies foray in personal financing segment. As long as user knows about & willingly choose to take it I have no issue as it is personal preference.

Is lazypay app required for using the credit line? 

I use both simpl and lazypay, but never installed the apps. Set them up long time ago on browser. Neither service ever asked for PAN or mandated installing the app.

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mango-man wrote:

Is lazypay app required for using the credit line? 

I use both simpl and lazypay, but never installed the apps. Set them up long time ago on browser. Neither service ever asked for PAN or mandated installing the app.

If you never installed apps then how did you even apply for them. If you mean you only installed once for apply & after approval uninstalled it then only the data at the time of app install is shared. If you mean you never installed their apps even while applying then only the data for all the txns you do using these credit lines is shared.

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nomag wrote:

UPI means – giving sms permission which is even more dangerous. Hope u knows about it.
Also, asking for a permission does not means you need to provide it.
Only Phone and location permission are compulsory.
And transaction record is maintain by every app which u use for online transaction.

If you are online, just forget about these privacy about ur shopping pattern etc.
Google and FB tracks everything if your are using website and accessing these.

Its all about Ads business.

Which upi apps are you talking about? I use dozen of upi apps & only certain bank’s upi feature mandatorily ask for sms permission. Phonepe, paytm, google pay, the 3 most used 3rd party upi apps working fine without sms permission. Also, I don’t care about my bank asking sms permission mandatorily(not all banks do) as I still have the option of not using bank app & just use netbanking.

Deal Lieutenant Deal Lieutenant
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guest_999 wrote:

Which upi apps are you talking about? I use dozen of upi apps & only certain bank’s upi feature mandatorily ask for sms permission. Phonepe, paytm, google pay, the 3 most used 3rd party upi apps working fine without sms permission. Also, I don’t care about my bank asking sms permission mandatorily(not all banks do) as I still have the option of not using bank app & just use netbanking.

As far as i know none of the apps will work without sms permission.
Check Permission manager in setting and find out which all apps have sms permission.

Perfectionist Perfectionist
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guest_999 wrote:

If you never installed apps then how did you even apply for them. If you mean you only installed once for apply & after approval uninstalled it then only the data at the time of app install is shared. If you mean you never installed their apps even while applying then only the data for all the txns you do using these credit lines is shared.

No app needed for Lazypay
You can sign up directly during merchant payment and dues can be cleared using browser

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nomag wrote:

As far as i know none of the apps will work without sms permission.
Check Permission manager in setting and find out which all apps have sms permission.

I did, sms permission is not given to paytm, phonepe & google pay & all 3 working(checked linked bank acc balance by entering upi pin).

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avgn wrote:

No app needed for Lazypay
You can sign up directly during merchant payment and dues can be cleared using browser

That still leaves all the txns data done with lazypay then. I still don’t recommend BNPL/credit lines to anybody eligible/able to get a regular credit card.

Patron Patron
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guest_999 wrote:

I did, sms permission is not given to paytm, phonepe & google pay & all 3 working(checked linked bank acc balance by entering upi pin).

I think they need phone permission rather than sms permission to work

Mobile Guru Mobile Guru
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guest_999 wrote:

That still leaves all the txns data done with lazypay then. I still don’t recommend BNPL/credit lines to anybody eligible/able to get a regular credit card.

No offence but you’re being too Paranoid.

As if only BNPL sells our data and no one else does.

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kshmr wrote:

No offence but you’re being too Paranoid.

As if only BNPL sells our data and no one else does.

Paranoid is when someone refuse to use any card & just pay via cash/others’ cards. It is not just about data, BNPL inherently have less security & fraud prevention as evident by many fraud threads here itself where people lost thousands in slice/flipkart pay later/amazon pay later frauds with no help/support as expected(flipkart/ecomm site push responsibility to NBFC partner which in turn push responsibility to bank/payment gateway which processed the txn which in turn push responsibility back to ecomm site). I have no issue with ppl choosing to get BNPL as long as they know that it is inherently less secure/more privacy invasive compared to regular credit card.

Mobile Guru Mobile Guru
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guest_999 wrote:

Paranoid is when someone refuse to use any card & just pay via cash/others’ cards. It is not just about data, BNPL inherently have less security & fraud prevention as evident by many fraud threads here itself where people lost thousands in slice/flipkart pay later/amazon pay later frauds with no help/support as expected(flipkart/ecomm site push responsibility to NBFC partner which in turn push responsibility to bank/payment gateway which processed the txn which in turn push responsibility back to ecomm site). I have no issue with ppl choosing to get BNPL as long as they know that it is inherently less secure/more privacy invasive compared to regular credit card.

Agree with you for the most part. Fair enough. However, and this holds true for every financial service, one should know what they are stepping into. One needs to be careful with relatively secure services as UPI too. People who have been duped of their hard earned money, I know it’s a nightmare and the accountability is literally zero with no one willing to help the consumer if such a fraud happens. On the contrary, I’ve been using BNPL from last 3-4 years, Lazypay and Simpl being one of the earliest who forayed into this category and my experience with them has been good so far.

Deal Cadet Deal Cadet
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guest_999 wrote:

If you never installed apps then how did you even apply for them. If you mean you only installed once for apply & after approval uninstalled it then only the data at the time of app install is shared. If you mean you never installed their apps even while applying then only the data for all the txns you do using these credit lines is shared.

i joined them many years ago, using their website only.

Transaction data will anyway be shared with the payment service provider, irrespective of which payment method is used. As I only use them sparingly in case any offers are available, it’s not much of a concern for me.


Deal Lieutenant Deal Lieutenant
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guest_999 wrote:

I did, sms permission is not given to paytm, phonepe & google pay & all 3 working(checked linked bank acc balance by entering upi pin).

If no sms permission, then u cannot pay for sure.
I hope you know that UPI is not just for checking balance toungueout

Critic Critic
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nomag wrote:

If no sms permission, then u cannot pay for sure.
I hope you know that UPI is not just for checking balance toungueout

Don’t know what you tried but here I can send money via upi to my friend using paytm just fine without any sms permission to paytm app. Like someone mentioned earlier, you are confusing “Telephone” permission with “sms/message” permission for upi apps. “SMS/message” permission is only required for the first time when setting any upi app after which it is not really required(some psu banks’ app though still demand it) as after that app only checks for whether the same sim is still there in mobile/unique hardware ID is not changed which is done via “Telephone” permission in combination with some google playstore service.

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mango-man wrote:

i joined them many years ago, using their website only.

Transaction data will anyway be shared with the payment service provider, irrespective of which payment method is used. As I only use them sparingly in case any offers are available, it’s not much of a concern for me.


I am not concerned about txn data sharing with payment service provider. I am concerned about sharing of this data with any XYZ company which can offer enough money to BNPL companies. If you think your occasional use is alright with this then no issue.

Deal Newbie Deal Newbie
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do I need to provide sms read permission to allow lazypay to come as payment mode inside TimesPrime app?

I am unable to see any LazyPay option inside TimesPrime app when trying to do payment.

Deal Subedar Deal Subedar
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Can any timesprime user share the udemy 150 off code? 


I used mine but transaction failed so it is now showing pending. 


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