The benefit of interest-free money online has made many people's life easier. The process can be lengthy for today's generation. Buy now, pay later. Zero pay is India’s first Over-The-Top (OTT), and the Buy Now Pay Later (BNPL) application allows users to avail themselves of a small loan without any interest. Zero pay, a FinTech startup, is user-friendly for people looking to get free money online without paying any interest.