For many users of reward apps in India, the withdrawal process is the most confusing part of the experience. Questions come up constantly: How does PayPal actually work in India? Is UPI safer? How long does a payment take? What should I do if my withdrawal is delayed? What information do I need to share, and what should I never share?
This guide answers all of these questions clearly, covering both PayPal and UPI as payout methods, what the typical process looks like from request to receipt, and how to protect yourself during the process.
PayPal in India: What You Need to Know
PayPal is the most widely used international payment platform for earning app payouts, including from apps like Cashzy. Unlike in many other countries, PayPal in India operates under specific Reserve Bank of India (RBI) regulations that affect how you receive and use funds.
Setting Up a PayPal Account in India
To receive PayPal payments in India, you need a verified PayPal account. Here is the setup process:
- Go to paypal.com and sign up for a personal account using your email address.
- Verify your email address by clicking the link in the confirmation email PayPal sends.
- Link your Indian bank account (savings or current) to your PayPal account. PayPal will make two small test deposits to confirm the account is real, which you verify in the PayPal dashboard.
- Submit a PAN card for identity verification if prompted, which may be required for accounts receiving above certain thresholds.
Once set up, your PayPal email address is what you share with earning apps to receive your payouts. Use the same email consistently across all platforms — changing it mid-process can delay payments or require re-verification.
How PayPal Payments Work for Indian Users
When an earning app sends a PayPal payout to your account, the funds typically appear in your PayPal balance within a few hours to 2–3 business days, depending on the sending platform's processing schedule. However, under RBI regulations, funds received in a PayPal account in India must be transferred to your linked bank account — you cannot hold foreign currency indefinitely in your PayPal balance.
PayPal will automatically transfer incoming funds to your linked bank account. This bank transfer typically takes an additional 3–5 business days after the initial PayPal receipt. So from when an earning app initiates a payout to when you see money in your bank account, the total timeline is typically 5–10 business days.
PayPal charges a small fee for currency conversion (if the payout is in a foreign currency like USD) and for bank transfer in some cases. Review the current fee structure on PayPal's India website as these change periodically.
What to Do If PayPal Funds Are Not Arriving
If a payment is delayed beyond the expected timeframe:
- Log in to your PayPal account and check the transaction history. Confirm whether the payment has been received into your PayPal balance.
- If the payment appears in PayPal but has not reached your bank, check whether your bank account link is verified and active. A lapsed or unverified bank link can block automatic transfers.
- If the payment does not appear in PayPal at all, contact the earning app's support team with your withdrawal request ID and PayPal email. Allow at least 7 business days before escalating.
UPI as a Payment Method
Some Indian earning apps offer payouts via UPI — India's real-time payment system used by Google Pay, PhonePe, Paytm, and bank UPI apps. UPI payouts are simpler and faster than PayPal for Indian users: funds typically arrive within minutes to a few hours of the payout being initiated, and there are no currency conversion fees since the payment is in Indian rupees.
Setting Up for UPI Payments
To receive UPI payments, you need an active UPI ID (also called a VPA — Virtual Payment Address). Your UPI ID typically looks like your phone number or name followed by "@" and your bank or payment app name, such as "9876543210@ybl" (PhonePe) or "yourname@okaxis" (Google Pay via Axis Bank).
Find your UPI ID within your payment app: in Google Pay under your profile, in PhonePe under "My Money," or in Paytm under your account details. Share this UPI ID — not your bank account number or IFSC code — with any app that offers UPI payout.
Important: The Difference Between Receiving and Sending on UPI
This distinction is critical for safety: a legitimate app will send money to your UPI ID — which requires no action or approval from you. They simply push funds to your UPI address and you receive a credit notification.
If an app or person sends you a UPI payment request (a "collect request") asking you to approve a transaction, that is the opposite — you would be sending them money. Never approve UPI collect requests from earning apps or anyone claiming to be paying you. Legitimate payments do not require you to approve anything; they simply arrive.
What Information Is Safe to Share
When submitting a withdrawal request on any earning app, the payment information you share should be limited to:
- Your PayPal email address — this is what legitimate apps need to send PayPal payments
- Your UPI ID / VPA — this is what legitimate apps need to send UPI payments
You should never share:
- Your bank account number and IFSC code (not needed for PayPal or UPI payouts)
- Your debit or credit card details
- Your UPI PIN or any OTP
- Your Aadhaar or PAN card number
- Your PayPal password
If a platform asks for any of the above during the withdrawal process, treat it as a serious warning sign. None of this information is needed to send you money, and requesting it suggests the platform intends to access your accounts rather than pay you.
How Long Does a Cashzy Withdrawal Take?
On Cashzy, once you submit a withdrawal request with your PayPal email, the Cashzy team reviews and processes the request within a few business days. PayPal then receives the payment and automatically transfers it to your linked Indian bank account, which typically adds another 3–5 business days. The full end-to-end timeline from submission to money in your Indian bank is typically within 7–10 business days.
If your payment has not arrived within 10 business days, contact Cashzy support at kachaumaben@gmail.com with your withdrawal request details and PayPal email address. Include your registered Cashzy account email and approximate submission date so the team can locate your request quickly.
Tips for Smooth Withdrawals
- Verify your PayPal email before submitting. A typo in your PayPal email address sends the payment to a non-existent or someone else's account. Double-check the address in your withdrawal request against your PayPal login email.
- Keep your PayPal bank link active. PayPal occasionally requires re-verification of bank accounts, especially if no transfers have occurred in a long time. Log in to PayPal before expecting a payment to confirm your bank link is active.
- Use the same PayPal email consistently. Changing your payout email address between withdrawal requests adds processing complexity. Stick with one verified PayPal address across all earning apps.
- Keep records of your requests. Note the date, amount, and any transaction or request ID when you submit a withdrawal. This information is essential if you need to follow up with support.
- Do not submit duplicate requests. If a withdrawal does not appear processed within 3–4 business days, contact support before submitting a second request for the same amount. Duplicate requests can create processing delays.
The withdrawal process on a legitimate earning app is straightforward: you provide your PayPal email or UPI ID, the platform sends the money, and it arrives in your account within the stated timeframe. Any additional steps, fees, or requests for sensitive information at withdrawal time are warning signs.
Questions about your Cashzy withdrawal? Contact our support team or visit our FAQ page for common questions answered. Ready to start earning? Download Cashzy free on Google Play.