FAQ’s 2018-11-02T21:56:40+00:00


What is M3 e-wallet? 2018-10-30T13:24:10+00:00

M3 e-wallet is a safe and secure way to make digital payments across wallets and bank accounts. You can make instant bill payments, do mobile/DTH recharges, gas, insurance, postpaid, group of wallets and much more. You can also link your bank accounts with M3 e-wallet.

What are the benefits of using m3 e-wallet? 2018-10-30T14:05:41+00:00

By registering with M3 e-wallet, you will get a variety of services, which include:

  • Secure cash-free transactions anytime from anywhere
  • Securely store all your credit/debit cards and bank accounts for convenient and faster payments
  • Make payment to variety of merchants
  • Transfer funds to other M3 e-wallet users and to bank accounts
  • Pay bills and recharge mobile/DTH using a single app
  • Get great offers, deals  from your neighborhood stores
Who is eligible to hold a M3 e-wallet account 2018-10-30T14:07:26+00:00

Any person aged above 18 years is eligible to hold a M3 e-wallet account.

How secure is my M3 e-wallet account? 2018-10-30T14:09:39+00:00

Your M3 e-wallet account is 100% secure. M3 e-wallet stores your sensitive information on the most secure servers, using world-class security procedures and cutting-edge technologies to ensure that your data is theft-proof. These credentials are not disclosed to anyone when you pay through M3 e-wallet.

We however request you not to share your password details with anyone over the phone, email, SMS or in-person for further safety of your account.

Is my money safe if I lose my phone? 2018-10-30T14:14:28+00:00

Even if you lose your phone, your money is 100% safe. Nobody can access your M3 e-wallet account, since only you can do so through your password.  M3 e-wallet locks your account for your own safety after 3 consecutive incorrect login attempts. If you suspect unauthorized activity in your account, you can also suspend your M3 e-wallet account and block payments by calling our customer service  or write to info@kouchanindia.com

Who can sign up for M3 e-wallet App? 2018-10-30T14:15:43+00:00

Any customer with a valid mobile number, registered with any telecom operator can sign-up with M3 e-wallet

How can I download M3 e-wallet? 2018-10-30T14:17:08+00:00

You may download M3 e-wallet from the Google Playstore or from the Apple Appstore.

How do I register for M3 e-wallet? 2018-10-30T14:19:40+00:00

You can download and install M3 e-wallet app from Google Playstore. Start the app, it will start registration process automatically and follow the simple steps to create your account.

What are the different types of accounts offered? 2018-10-30T14:21:31+00:00

As of now M3 e-wallet offers minimum KYC account. You may load up to Rs 10000 a month and spend up to Rs 10000 a month with this account. Also, you may load a maximum of Rs 1 lac in a financial year. money transfer to another person or bank account is allowed with this account.

Are there any charges/fees for using M3 e-wallet? 2018-10-30T14:23:50+00:00

There are no charges for using M3 e-wallet.

What is the M3 e-wallet expiry policy? 2018-10-30T14:24:49+00:00

There is no expiry date for your M3 e-wallet account. Your account is valid till the time your registered mobile number is active.

How many M3 e-wallets accounts can I hold? 2018-10-30T14:25:48+00:00

Each person can hold only one M3 e-wallet account as per the Reserve Bank of India (RBI) regulations.

How can I load money to my M3 e-wallet account? 2018-10-30T14:28:35+00:00

You can load money to your M3 e-wallet account through bank account, money transfer from your friend M3 e-wallet account.

How can I link bank accounts/cards? 2018-10-30T14:29:31+00:00

You can link your bank account or credit/debit cards by logging into the M3 e-wallet app and clicking “Add card/Bank account” under the Manage Accounts section.

What happens if there is failure while loading the account? 2018-10-30T14:30:36+00:00

In the unlikely event of a transaction failure, the deducted amount will be refunded back to the source account

Does the money loaded into M3 e-wallet have an expiry period? 2018-10-30T14:31:43+00:00

No, there is no expiry period for the money in your M3 e-wallet account for now.

Who all can I pay to using M3 e-wallet ? 2018-10-30T14:34:17+00:00

You can pay:

  • For all utility services payments
  • At all M3 e-wallet merchants shop.
  • For utility bill payments like post-paid mobile connections, electricity, gas, landline and also insurance premiums.
  • For prepaid mobile recharges & DTH connections.
  • For charity and insurance premium payment bills.
How would I know if my payment has been made successfully? 2018-10-30T14:35:38+00:00

You will see the success page with transaction details. You will also receive details on your M3 e-wallet app. You can also view your recent transactions in the transaction history section of your app.

How do I contact M3 e-wallet support? 2018-10-30T14:38:33+00:00

You can reach us support from your M3 e-wallet app itself. Just click on the M3 e-wallet icon on the top-right corner in your app and then select ‘Report ‘. Alternatively, you can also contact the M3 e-wallet customer care at 080-4112258041122581 or write to info@kouchanindia.com

How do I check my M3 e-wallet balance? 2018-10-30T14:39:56+00:00

Your M3 e-wallet balance will be displayed on the my account balance when you login to your account.

How can I view my past transactions? 2018-10-30T14:41:36+00:00

Your M3 e-wallet transaction history will be displayed  in the transactions history  in the home screen when you login to your account in M3 e-wallet app.

How do I change my M3 e-wallet profile information like profile image, name, address, etc.? 2018-10-30T14:43:00+00:00

You can update your profile information from the Account Settings on the M3 e-wallet app. For changing information like phone number, address etc., you need to upload relevant documents in M3 e-wallet app.

What is eligibility criteria to get a money transfer account? 2018-10-30T14:46:35+00:00

To get a money transfer account, you need to submit your KYC documents like PAN Card and any address proof ( Aadhar card, ). A valid PAN is mandatory requirement for money transfer agents.

Is there a minimum recharge amount limit ? 2018-10-30T14:48:31+00:00

NO, there is no limit on the recharge amount provided that particular recharge value/top up/package is available for the selected operator.

What is the process for pending or failure transactions? 2018-10-30T14:50:03+00:00

If a transaction is pending, you should wait for some time as our system is automatic and the transaction will be either success or failure. In case the transaction fails, you will automatically get refund of the amount.

My transaction from M3 e-wallet has failed but the amount is debited from account. 2018-10-30T14:56:01+00:00

In such cases, the amount debited will be refunded back to your account within few mins. Sometimes it can take 2 to 3 business days or a week in some rare cases for the money to transfer from your bank to your bank account. If the money has not been received even after 2 business days, raise a dispute from the M3 e-wallet app. To raise a dispute,

  • Open M3 e-wallet app and Go to ‘All Transactions’ from the home screen
  • Open the transaction that you want to report
  • send report to customer care with details. Our support team will assist you with further steps.
How can I send money to someone using M3 e-wallet? 2018-10-30T14:58:23+00:00

Sending money with M3 e-wallet App is really fast and simple

  • Open the M3 e-wallet App on your smart phone.
  • Tap on Pay or Send icon.
  • Tap on the Mobile Number option.
  • Enter the mobile number of the person whom you want to send money to. You can also pick the mobile number from contacts saved on your device by tapping the address book icon next to the mobile number field.
  • Enter amount you want to send.
  • You can mention the reason for sending money. This field is optional.
  • Tap on Send.
  • If you have sufficient balance in your M3 e-wallet, money will be successfully sent to the person whose mobile number you entered.
  • If you do not have sufficient balance, you will be redirected to the payment details page, where you can add money in your M3 e-wallet and then send money.
  • The person whom you have sent money to, will receive an SMS/Email and Push notification (if they have a M3 e-wallet app) informing them that they have received money from you.
I have sent money to a friend who does not have M3e-wallet, how will he/she receive money? 2018-10-30T15:00:28+00:00

Sender can’t do money transfer to unregistered users on M3 e-wallet. If the user is trying to transfer money (P2P) to the unregistered mobile number then the system will not allow performing this transaction, and user (sender) will get an error message (This mobile number is not registered with M3 e-wallet) on the mobile screen.

Are there any charges to Send money through M3 e-wallet? 2018-10-30T15:13:29+00:00

No, sending money to another person is totally free and the receiver gets the complete amount you have sent.

Does the money loaded into M3 e-wallet have an expiry period? 2018-10-31T08:32:39+00:00

No, there is no expiry period for the money in your M3 e-wallet account for now.

How to send or transfer the money to another person by Customers of M3 e-wallet? 2018-11-02T21:14:24+00:00

Customers can click on the SEND MONEY button/Icon on the Home Page, write the payee’s mobile number or select from Contact list, enter the amount and press SUBMIT button. The Sender and beneficiary will receive the notification of transfer on to her/his mobile giving the details of money credited to M3 Account of the Payee. One can also refer the same in transaction history. In case there is failure of the transaction for network related issues, either the transaction will not happen or the debited amount will be reverse to the Payer’s M3 e-wallet account.

What happens if there is failure while loading or transferring the amount? 2018-11-02T21:22:39+00:00

While effecting a transaction like loading of money or transfer of funds to a payee, if there is any kind of interruption either on account of failure of connectivity or any other reason the transaction will not be processed and there will be no change in balance. Failure of load money transaction means credit will not happen to your M3 e-wallet balance and in that case you have to check with your bank. In case transaction was interrupted while effecting payment transaction and if the debit has happened the transferor will   get back the amount to his credit if the transaction is not through. However we request the transferor to write to the customer care (Help) for early solution along with transaction reference number.

How to make mobile or DTH Recharge or pay Utility bills or any such similar payments? 2018-11-02T21:24:48+00:00

Through M3 e-wallet you can pay the amount for mobile recharge/bill, landline bill, DTH recharge, Electricity bill, Gas bill, Insurance premium, with whom we have arrangement for payment. You click on the UTILITY PAYMENTS button/Icon on the Home Page, select the party to whom you intend to make payment. For the first time payment, you need to enter the consumer number particulars by selecting the party (like DTH operator, Mobile operator, Electricity Supply Company etc.) as required. It is suggested that such payments be made at least 4 days in advance of the due date to reflect the payment in service provider’s account to your credit before due date. Charges do apply. The payer will receive the notification of payment.

In case there is failure of the transaction for network related issues, either the transaction will not happen or the debited amount will be reverse to the Payer’s M3 e-wallet account.

How to pay a person who doesn’t have M3 e-wallet account? 2018-11-02T21:25:51+00:00

In case any M3 e-wallet account holder wants to make payment to a non M3 payee, in such situation payer is requested to send an invitation link to the non M3 account payee. Such non M3 account person should register himself/herself as M3 e-wallet customer to entitle him to receive amount on to his/her wallet.

Whom all I can pay by using M3 e-wallet? 2018-11-02T21:27:32+00:00

: By simple process entry you can pay to anyone who has M3 e-wallet or M3 Business wallet. On Send Money page or Scan & Pay, you can make payment quickly to Milkman, News paperwala, maid servant, Auto/Taxi, Medical shops, Tea shopwla, Restaurant/Hotel, Petty/Kirana merchants, Sabjiwala, TV Cablewala and many more. Just write the mobile number, follow the simple process and enter the amount, and then submit. A message will be received by the parties, the payer and the receiver of money. Note: Please be careful to enter the payee mobile numbers and not landline number.

Can I have Group Payment facility? If yes, how? 2018-11-02T21:28:34+00:00

Click on to Group payment button on the Home Page. By clicking this Group Payment button you will be taken to Group related activity. Here, you can create Groups, add to (from Contact list) or delete members of the group, pay single amount to all members or different amount to different members of the group, with very easy and simple steps. By Group transaction entry you can pay to many people with one click operation who have M3 e-wallet account. Charges do apply.

Transactions history? 2018-11-02T21:30:25+00:00

Through Menu page or Home Page, you click on transactions history for previous 15 transactions. By selecting the transactions view statement, you can view for last 2 months transaction history. You can view the transaction details with various options like only receipts, only payments or all. To view more details of a transaction please click on Transaction reference. For every transaction made, messages are sent to the mobile numbers of Payer and Payee. In case you need transactions history of earlier period a request in writing to be made to the Customer Care section by e-mail.

How to add money when there is NO Bank Account? 2018-11-02T21:32:55+00:00

You can get transfer of money to your Mobile Cash account through another person who has M3 account.

Can I have Language choice? 2018-11-02T21:42:37+00:00

First time login the system will adopt the language used by Mobile device.  However you can you can change it also at any time through settings option given in Menu page. Language choice is limited to few main languages only.

Can I transact in foreign currency? 2018-11-02T21:43:33+00:00

No. Only in Indian Rupees in India.

Is there any service fee for transactions made here? 2018-11-02T21:44:17+00:00

A small service fee is charged for the services rendered with applicable taxes, except for Add money and transfer money to another wallet. In this connection please refer to Annexure -1 of clause 12(b) of the terms and conditions. However these service charges can be varied by the operator without any notice.

How to reach out to ‘Help’ for any Grievances or complaints and what is the process of escalation? 2018-11-02T21:45:09+00:00

In the menu page please refer to the ‘Contact Us’ and you can reach us for any of your issues relating to M3 e-wallet account. On submission of query, you will get a ticket number and also the time frame for a solution. For escalation, please read the relevant paras – Para 17 & 18 – in the Terms and Conditions.

Frauds – if you come across any fraud or any transactions of suspicious nature what is to be done? 2018-11-02T21:54:20+00:00

In case you notice any fraud or any suspicious activities please inform us immediately by all possible means. Additionally you can reach us to our Contact Us page and inform us suitably. We may hand it over to the concerned legal agencies and we do need full cooperation in this regard. One must know that it is important part of the social responsibility and initiate action in this regard.

M3 e-wallet Expiry Policy and or closure of M3 e-wallet account? 2018-11-02T21:55:04+00:00

There is no expiry for M3 e-wallet account once opened except in case of demise of the account holder. The Nominee or Legal Successor has to apply to the customer care department for claiming the M3 e-wallet balance amount, along with documentary proof. However one can optionally close the M3 e-wallet account by making suitable application to the customer care department.