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Mint Coins
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What are Mint Coins?
Mint Coins are rewards you earn on every Mintpay transaction; whether you Pay Now, Pay Later, or convert a Mintpay Voucher. Use them across 2,500+ partner stores or to pay off your pending instalments.
How do l earn Mint Coins?
Earn Mint Coins every time you use Mintpay-whether you Pay Now, Pay Later, convert a Voucher, or settle instalments early.
How can l use my Mint Coins?
At the point of checkout, toggle Use Mint Coins enter the amount, and confirm. You can also use coins to settle Pay Later instalments.
Do Mint Coins expire?
No, your Mint coins don't expire. Use them whenever you're ready.
Is there a limit to how many Mint Coins I can collect?
There's no maximum amount. Collect as much as you like, as often as you like.
Can I send Mint Coins to someone else?
No, Mint Coins can only be used by the account holder who earned them.
Can I use Mint Coins with other discounts?
Yes, you can use your Mint Coins alongside ongoing discounts and offers by stacking them up for even more rewards.
Which payment method gives me more Mint Coins?
While every transaction with Mintpay earns you Mint Coins, you'll earn more when you choose to Pay Now.
Mintpay Gift Vouchers
Most Asked Questions
What are Mintpay Vouchers?
Mintpay Vouchers are digital gift Vouchers that offer the perfect way to Gift Better. Recipients can choose from thousands of stores and millions of gifts, making it a truly personalized gift.
Where can I purchase Mintpay Vouchers?
You can purchase Mintpay Vouchers directly from our website or through the Mintpay app. Refer to this link for instructions on how to purchase a voucher within the app.
Where can I redeem the voucher?
You can redeem your Mintpay Voucher at all Mintpay partner merchants, both online and in-store. Whether you're shopping, dining, or traveling, enjoy the flexibility to use your voucher across a wide range of stores and services. Refer to this link for instructions on how to add and redeem the voucher in the Mintpay app.
Can I give a physical Mintpay Voucher?
Yes, you can. After purchasing the Mintpay Voucher online, you can download the voucher PDF, which can be printed and given to the recipient. The recipient can scan the QR code in the PDF using the Mintpay app to add the voucher to their Mintpay account. Refer to this link for instructions on how to send and receive a physical Mintpay Voucher.
How long are Mintpay Vouchers valid?
Mintpay Vouchers are valid for one year from the date of issue. However, you can convert them to Mint Coins and keep them indefinitely as long as your account is active.
Purchasing and Sending Vouchers
How do I purchase a Mintpay Voucher?
Purchasing a Mintpay Voucher is easy! Simply visit our website or app, select the voucher value, enter a thoughtful message, and hit send. It's that simple!
Can I send a personalized message with my voucher?
Yes, you can include a personalized message with your Mintpay Voucher to make it even more special.
How can I send a physical voucher?
After purchasing the Mintpay Voucher online, you can download the voucher PDF, which can be printed and given to the recipient. The recipient can then scan the QR code from the Mintpay app to activate the gifted voucher.
Voucher Gifting Methods
What gifting methods are available for Mintpay Vouchers?
You can choose between two gifting methods for Mintpay Vouchers: an e-voucher or a physical voucher.
E-Voucher
How does the e-voucher method work?
When you choose the e-voucher method, the recipient will be notified via SMS and app notifications immediately after you send the voucher. This method ensures instant delivery and surprise! They can then use the Mintpay app to view and redeem their voucher.
Can I include a personalized message with the e-voucher?
Yes, you can include a personalized message when sending an e-voucher to make the gift even more special.
Physical Voucher
How does the physical Voucher method work?
When you choose the physical Voucher method, you can download the Mintpay Voucher receipt and surprise the recipient with a physical copy. The recipient will not be notified via SMS or app notifications.
How do I send a physical Voucher?
Simply download the Voucher receipt after purchasing the Voucher. You can then print it out or present it in any way you like to surprise the recipient.
How does the recipient activate a physical Voucher?
The recipient can scan the QR code on the physical Voucher receipt using the Mintpay app to activate the gift Voucher.
Can I still include a personalized message with the physical Voucher?
Yes, you can include a personalized message on the Voucher receipt before downloading and printing it.
Redeeming Vouchers
How do I activate a Mintpay Voucher?
  • You can activate your Mintpay Voucher using the following methods:
    • For Digital Vouchers:
      • Click the link you received via SMS or email.
      • The link will automatically redirect you to the Mintpay app.
      • Once redirected, you can add the Voucher to your account.
    • For Physical Vouchers:
      • Open the Mintpay app.
      • Scan the QR code printed on your Voucher receipt.
      • The Voucher will be added to your account.
  • Once your Voucher is added, you can convert it into Mint Coins. If converted, you can use them indefinitely as long as your account is active.
How do I redeem a Mintpay Voucher?
  • Shop at any Mintpay partner store and select Mintpay as your payment option at checkout. In the “Complete Purchase” section, tap +Add Promotion and select the Voucher you wish to apply.
  • If your order total exceeds the Voucher amount, you can pay the remaining balance using either Pay Now or Pay Later to complete the purchase.
Where can I use my Mintpay Voucher?
You can use your Mintpay Voucher at any Mintpay partner store, both online and in-store. Visit the Mintpay store directory to see all participating merchants where your Voucher can be redeemed.
What happens if I don't use the full value of my Voucher?
If the full value of your Voucher isn't used in a single purchase, the remaining balance will expire and cannot be used again. All Mintpay Vouchers are valid for one year from the date of issue, after which any unused value will automatically expire. To make the most of your Voucher, you can convert it to Mint Coins and keep them indefinitely as long as your account is active.
Can I transfer my Mintpay Voucher to someone else?
No, Mintpay Vouchers are non-transferable and can only be redeemed through the Mintpay account to which they were issued.
Can I use a Mintpay Voucher for more than one purchase?
No, a Mintpay Voucher must be used in a single purchase. However, you can convert it to Mint Coins, which allows you to choose how much to redeem across multiple purchases.
Ways to pay
Pay Now
What is Pay Now?
'Pay Now' lets you pay the full amount upfront using your debit or credit card and get up to 10% Cashback as Mint Coins.
How do I get Cashback?
  • With Mintpay's Pay Now option, you’ll earn Cashback as Mint Coins after completing your payment.
  • 1 Mint Coin = LKR 1, redeemable on your subsequent Mintpay purchase.
  • Cashback rates vary by merchant and are shown in the Mintpay store directory.
Is there a minimum order requirement to get Cashback?
No, there's no minimum order requirement. You’ll earn Cashback as Mint Coins on any eligible Pay Now purchase, based on the merchant’s Cashback rate displayed in the Mintpay store directory.
Can I get Cashback on all 'Pay Now' purchases?
Yes, you'll earn Cashback as Mint Coins on all Pay Now purchases at across all Mintpay partner stores.
Pay Later
What is Pay Later?
'Pay Later' lets you split your bill into 3 manageable instalments using your debit or credit card.
What is a split limit?
The split limit is the maximum credit that Mintpay approves for your 'Pay Later' purchases. This doesn't include your first instalment, which you pay at the point of purchase.
How to increase my split limit?
  • First-time customers start with a smaller split limit.
  • Split limit can increase based on repayment behaviour.
  • More transactions with Mintpay and timely repayments lead to a higher split limit.
  • Paying off instalments ahead of time can increase the split limit sooner.
  • Split limit may increase in relation to order amount.
  • If an item with a higher value than the Mintpay approved limit is purchased, the subsequent split limit will increase proportionally once all 3 instalments are completed.
How are the instalments charged?
Instalments are automatically charged to your linked card on the set due dates. You can check the upcoming pending payments through your Mintpay account.
Do I have to pay Interest for using Pay Later?
No, we don't charge any interest or additional fees for using our platform.
Can I pay off my instalments early?
Yes, and you'll be rewarded for it. Settle your Pay Later instalments before the due date and earn extra Mint Coins. It’s our way of rewarding smart spending and early payments.
Can I make purchases above my split limit?
Yes, if you have no pending payments, you can make purchases that exceed your split limit. You will need to pay the additional amount along with the first instalment. You can check how the instalments are split on Mintpay's checkout page before you finalise the purchase.
What happens if I miss my due payments?
  • At Mintpay, we're committed to helping you stick to your repayment plan. We send reminders as your payment due dates approach. However, if a payment is missed, your ability to make further purchases through Mintpay will be immediately restricted. As per our terms & conditions, late fees are applied for payments not completed by the stipulated date:
    • On the Due Date:An initial late payment fee of Rs. 500/- is applied if the instalment is not paid.
    • 7 Days Post-Due Date:An additional fee of Rs. 300/- is charged if the payment remains unpaid 7 days after the due date.
    • 14 Days Post-Due Date: A final late fee of Rs. 300/- is added if the payment remains unpaid 14 days after the due date.
  • If you miss payments, your account may be suspended, which could lead to a reduced split limit. We at Mintpay advocate responsible spending and strive to keep you informed about upcoming payments. If you face any difficulties or have concerns, our team is ready to discuss your options and provide support. Please reach out to us via email at support@mintpay.lk.
Do I get Cashback on Pay Later purchases?
Yes. When you make a Pay Later purchase, you earn Cashback. If you pay your instalments early, you'll receive additional Cashback as Mint Coins. The earlier you pay, the more Cashback you earn.
Payments
Make and manage payments
How can I make a payment?
  • For Online Purchases:
    1. Visit any Mintpay partner store online and add items to your cart.
    2. At checkout, select Mintpay as your payment method.
    3. Log in to your Mintpay Account when redirected.
    4. Choose your payment option:
      • 'Pay Now': Pay in full and get up to 10% Cashback as Mint Coins.
      • 'Pay Later': Split your bill into 3 interest-free instalments and earn Mint Coins with each payment.
  • For In-Store Purchases:
    1. Shop at any Mintpay partner store.
    2. At checkout, inform the cashier that you are paying with Mintpay.
    3. Complete your payment by either:
      • Scanning the Mintpay QR code using your Mintpay app, or
      • Receiving a payment link via SMS.
    4. You'll be redirected to the Mintpay payment gateway.
    5. Choose your payment option:
      • 'Pay Now': Pay upfront and earn Cashback as Mint Coins.
      • 'Pay Later': Split your bill into 3 interest-free instalments and earn Mint Coins as you pay.
How can I add a payment method?
  • To add a new payment method to your Mintpay account, you need to:
    1. Open the Mintpay app and log in.
    2. Select the "Profile" tab.
    3. Tap on "Payment Method".
    4. Choose "Add New Method", enter your card details, and then click "Add Card".
How many cards can I add to my account?
You can add up to 10 cards.
How can I remove a card?
  • To remove a card from your Mintpay account:
    1. Go to "Profile".
    2. Click on "Payment Method".
    3. Select the card you wish to remove or delete.
  • Please note, a card cannot be removed or deleted until all associated instalments have been paid.
Payment Issues, Late Fees & Charges
Are there any additional fees when using Mintpay?
Mintpay does not impose any extra interest or fees for its services.
Will I be charged interest or additional fees for using 'Pay Later'?
At Mintpay, we don't levy any interest or additional fees on your transactions. The only fees that may apply are for late payments if you miss 'Pay Later' instalments. For transparency, we proactively send email and in-app reminders about your upcoming due dates.
Is there a late fee for 'Pay Later'?
Yes, we apply late fees for payments not made by the due date, in accordance with our terms & conditions:
  1. Initial Late Payment Fee: If the instalment is not paid by the due date, a fee of Rs. 500/- is charged.
  2. Additional Late Payment Fees: If the payment remains unpaid 7 days after the due date, an extra fee of Rs. 300/- is applied. An additional late fee of Rs. 300/- is charged if the payment remains unpaid 14 days after the due date.
What happens if I don’t settle outstanding payments?
If you don't pay back missed payments, your account may be suspended, which could result in a reduced split limit. Unsettled payments may also lead to legal action. At Mintpay, we advocate responsible spending and do our best to keep you informed of upcoming payments. If you face difficulties or have concerns, our team is available to discuss your options and provide support. You can reach out to us at support@mintpay.lk.
Account Settings
How can I change my email address or phone number?
To update your email address or phone number in your Mintpay account, you can follow these steps:
  1. Through the App: If your registered phone number with Mintpay is still active, you can update both your email and phone number directly in the Mintpay app. Simply go to your profile settings to update your information.
  2. Contact Support: If your registered phone number with Mintpay is deactivated or if you're facing issues changing your details through the app, our support team can help. Please contact us at support@mintpay.lk for assistance with updating your account information.
How do I delete my Mintpay account?
Please note that deleting your account is irreversible, and you will lose your existing split limit, which cannot be recovered if you sign up again with the same credentials. To proceed with account deletion, reach out to us at support@mintpay.lk with the following information: a copy of your National Identity Card (front and back), your registered email address with Mintpay, and your registered phone number with Mintpay. Our support team will guide you through the next steps once we receive your request and verify your details.
Forgot My Password
If you've forgotten your Mintpay password, follow these steps to reset it:
  1. Enter your registered email address with Mintpay.
  2. Click on 'Forgot Your Password'.
  3. You should receive an email with instructions on how to reset your password.
If you don't receive an email, please contact us at support@mintpay.lk for further assistance.
My Username and Password Don’t Match
If you're encountering issues with your username and password, please reach out to us at support@mintpay.lk.
Deliveries & Returns
How can I return my order?
To return an order, please contact the merchant who processed your purchase directly. The merchant can assist with your return request and provide information on the necessary steps for cancellations or refunds.
What if I haven’t received my order yet or need to track my order?
If you need to check the status of an order or need tracking details, please contact the merchant from whom you made the purchase. The merchant is responsible for processing your order and can provide up-to-date information on its status and delivery details.
What if my order was damaged?
If your order arrives damaged, please contact the retailer directly. As Mintpay only facilitates financial transactions, the retailer manages issues related to the condition and delivery of goods. For any changes or concerns regarding your order, the retailer should be your primary contact.
How can I cancel my orders?
For inquiries about your order such as its status, delivery information, or how to cancel or request a refund, please contact the merchant who processed the order.
Refunds
How do refunds work?
Refunds depend on the policy of the respective merchant. If a merchant authorises a refund, they must initiate it through their Mintpay merchant portal. Once initiated, you will receive an automated email from Mintpay confirming the start of the refund process. Subsequent instalments linked to that specific purchase will be automatically cancelled.
How long does refund processing take?
Refund processing generally takes about 7-14 business days, depending on your banking partner.
How do partial refunds work?
When a partial refund is processed, the refunded amount is deducted from your pending instalments for that specific purchase. This reduces the remaining balance you will pay from the future instalments for that order.
Support Its All in App Image
Its all in the app
With the Mintpay app, you can:
Shop online or in-store & earn Mint Coins
Manage your payments
View all your purchases and rewards
Get the app
Still need help? Contact us
For any inquiries or concerns, please don't hesitate to contact our support team at support@mintpay.lk