Phone

LazyPay

Finance • PayU Finance (India) Private Limited • ⭐ 4.30 • 10,000,000+

India’s credit super-app for Instant loans, BNPL, Utility bills and more

Version 10.7.1 34.6 MB

Screenshots

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Permissions Explained 23 permissions requested View details

This app requests 23 permissions. The table below explains what each permission may allow and what users should review before installing.

Status	Permission	What it means	Why it may be used	User safety note
✅ Common	View network status android.permission.ACCESS_NETWORK_STATE	Allows the app to check whether the device is connected to Wi-Fi, mobile data, or another network.	Often used to avoid loading content when offline or to adjust loading based on connection quality.	Generally low risk by itself.
✅ Common	Internet access android.permission.INTERNET	Allows the app to open network connections and communicate with online services.	Commonly used for streaming, syncing, login, ads, analytics, downloads, cloud features, and app updates.	Common permission. Review the app’s behavior if it does not appear to need online access.
🚨 High attention	Read text messages android.permission.READ_SMS	Allows the app to read SMS messages on the device.	May be used for verification codes, messaging features, backup tools, or communication apps.	High attention permission. Only grant this to apps you strongly trust.
⚠️ Sensitive	Read phone state android.permission.READ_PHONE_STATE	Allows the app to access phone status and device-related information.	Used for call handling, carrier services, device identification, account security, or playback interruption handling.	Sensitive permission. Review whether the app has a clear phone-related reason.
ℹ️ Review	Keep device awake android.permission.WAKE_LOCK	Allows the app to prevent the device from sleeping while a task is running.	Used for media playback, downloads, navigation, alarms, calls, or long-running background tasks.	Review battery usage if the app keeps the device awake too often.
ℹ️ Review	Access Wifi State android.permission.ACCESS_WIFI_STATE	This is an Android permission or app-specific permission requested by the app.	The app may use this permission for features related to its category, device support, background behavior, storage, connectivity, or system integration.	Review this permission before installing, especially if it does not match the app’s expected purpose.
⚠️ Sensitive	Approximate location android.permission.ACCESS_COARSE_LOCATION	Allows the app to access an approximate device location.	Used for weather, local content, regional features, nearby services, or location-based settings.	Sensitive permission. Review whether the app needs location access.
⚠️ Sensitive	Camera access android.permission.CAMERA	Allows the app to use the device camera.	Used for QR scanning, taking photos, video calls, document capture, AR features, or profile images.	Sensitive permission. Grant only when camera features are expected.
✅ Common	Vibration control android.permission.VIBRATE	Allows the app to control device vibration.	Used for notifications, alerts, haptic feedback, timers, alarms, or game feedback.	Generally low risk by itself.
ℹ️ Review	Send notifications android.permission.POST_NOTIFICATIONS	Allows the app to send notifications to the device.	Used for alerts, reminders, messages, account activity, updates, or media controls.	Review notification settings if the app sends too many alerts.
🚨 High attention	Send text messages android.permission.SEND_SMS	Allows the app to send SMS messages from the device.	May be used by messaging, emergency, carrier, automation, or verification apps.	High attention permission because it can create charges or send messages from your number.
🚨 High attention	Place phone calls android.permission.CALL_PHONE	Allows the app to start phone calls.	Used by dialers, support apps, emergency apps, business apps, or communication tools.	High attention permission. Grant only when calling features are expected.
ℹ️ Review	Receive Boot Completed android.permission.RECEIVE_BOOT_COMPLETED	This is an Android permission or app-specific permission requested by the app.	The app may use this permission for features related to its category, device support, background behavior, storage, connectivity, or system integration.	Review this permission before installing, especially if it does not match the app’s expected purpose.
⚠️ Sensitive	Microphone access android.permission.RECORD_AUDIO	Allows the app to record audio from the device microphone.	Used for voice messages, calls, video chat, speech search, audio recording, or voice commands.	Sensitive permission. Only grant it to apps where microphone use is expected.
ℹ️ Review	Modify Audio Settings android.permission.MODIFY_AUDIO_SETTINGS	This is an Android permission or app-specific permission requested by the app.	The app may use this permission for features related to its category, device support, background behavior, storage, connectivity, or system integration.	Review this permission before installing, especially if it does not match the app’s expected purpose.
ℹ️ Review	Get Signatures android.permission.GET_SIGNATURES	This is an Android permission or app-specific permission requested by the app.	The app may use this permission for features related to its category, device support, background behavior, storage, connectivity, or system integration.	Review this permission before installing, especially if it does not match the app’s expected purpose.
ℹ️ Review	C2dm Permission Receive com.google.android.c2dm.permission.RECEIVE	This is an Android permission or app-specific permission requested by the app.	The app may use this permission for features related to its category, device support, background behavior, storage, connectivity, or system integration.	Review this permission before installing, especially if it does not match the app’s expected purpose.
ℹ️ Review	Gms Permission Ad Id com.google.android.gms.permission.AD_ID	This is an Android permission or app-specific permission requested by the app.	The app may use this permission for features related to its category, device support, background behavior, storage, connectivity, or system integration.	Review this permission before installing, especially if it does not match the app’s expected purpose.
ℹ️ Review	Access Adservices Attribution android.permission.ACCESS_ADSERVICES_ATTRIBUTION	This is an Android permission or app-specific permission requested by the app.	The app may use this permission for features related to its category, device support, background behavior, storage, connectivity, or system integration.	Review this permission before installing, especially if it does not match the app’s expected purpose.
ℹ️ Review	Access Adservices Ad Id android.permission.ACCESS_ADSERVICES_AD_ID	This is an Android permission or app-specific permission requested by the app.	The app may use this permission for features related to its category, device support, background behavior, storage, connectivity, or system integration.	Review this permission before installing, especially if it does not match the app’s expected purpose.
ℹ️ Review	Foreground Service android.permission.FOREGROUND_SERVICE	This is an Android permission or app-specific permission requested by the app.	The app may use this permission for features related to its category, device support, background behavior, storage, connectivity, or system integration.	Review this permission before installing, especially if it does not match the app’s expected purpose.
ℹ️ Review	Finsky Permission Bind Get Install Referrer Service com.google.android.finsky.permission.BIND_GET_INSTALL_REFERRER_SERVICE	This is an Android permission or app-specific permission requested by the app.	The app may use this permission for features related to its category, device support, background behavior, storage, connectivity, or system integration.	Review this permission before installing, especially if it does not match the app’s expected purpose.
ℹ️ Review	Com Citrus Citruspay Dynamic Receiver Not Exported Permission com.citrus.citruspay.DYNAMIC_RECEIVER_NOT_EXPORTED_PERMISSION	This is an Android permission or app-specific permission requested by the app.	The app may use this permission for features related to its category, device support, background behavior, storage, connectivity, or system integration.	Review this permission before installing, especially if it does not match the app’s expected purpose.

About LazyPay

India’s credit super-app for Instant loans, BNPL, Utility bills and more

What LazyPay Is Used For

LazyPay is a finance app for phone users in India that appears to focus on short-term credit and everyday payments. Based on the metadata, people commonly use it to access instant loans, buy-now-pay-later options, and pay utility bills from a single app. Its finance category and credit-focused description suggest it is meant for routine money management rather than investing or long-term banking.

The listed permissions point to features that may involve account setup, verification, and transaction support. For example, SMS and phone-state access may be used for OTP-based login or identity checks, while camera access could support document capture or KYC-style steps. Location, microphone, and calling permissions can also be associated with verification, support, or fraud-prevention workflows in finance apps. Since it is a phone app, it is mainly geared toward mobile-first use on Android devices rather than tablets or TV screens.

Common use cases may include checking a credit line, making bill payments, and managing repayment activity through the app. Users looking for a simple mobile finance tool may encounter LazyPay when they want quick payment options tied to credit or installment-based spending.

Common uses

Accessing instant loan or credit options
Using buy-now-pay-later features for purchases
Paying utility bills from a mobile app
Completing phone-based account verification
Submitting identity or document images if requested
Managing repayment or payment reminders
Using a finance app on an Android phone

Best for:

Mobile credit users Bill payment BNPL shoppers Phone app users India finance

Related tags

App Details

Package:
com.citrus.citruspay

Category:
Finance

Developer:
PayU Finance (India) Private Limited

Version:
10.7.1

Contains Ads:
No

In-App Purchases:
No

Official Listing

Package name: com.citrus.citruspay

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How to Download LazyPay

If this app is not hosted directly on APKApps official link, then for the safest and most up-to-date version, install it from its official Google Play listing.