Flexibility to get what you want now and pay for it later.
It is a feature offered via Shopee that allows qualified buyers to purchase items and pay for them later, either through a "Buy Now, Pay Later" scheme or by applying for an installment plan.
Shariah-Compliant
certified by Amanie Advisors.
Choose 1 month, 0%
Select "Choose 1 Month" to enjoy zero installment *valid in 2024.
Installments Up To
3, 6 & 12 Months.
Full Transparency
Track your bills with full clarity.
Payment Reminder
Stay aware of your upcoming payments.
Available Online & In-Stores
Hassle-free checkout.
Who Can Use SPayLater
Eligibility
A Malaysian Citizen or Permanent Resident who is 18-65 years old and has a valid MyKad, MYPR or MyTentera.
Where Can SPayLater Be Used
On Shopee Platform & In-Store's Checkout
with a minimum RM1.01 checkout amount (depends on tenure selected) and selected sellers only
How to Pay on Shopee Platform with SPayLater
Checkout with SPayLater In-App
Step 1
Upon checkout, select "SPayLater" as your payment option
Step 2
Select your preferred plan. Monthly
payment amounts include all fees,
where applicable, according to your
selected plan
Step 3
Input your ShopeePay PIN
Step 4
Receive payment confirmation
How to Pay In Store with SPayLater
- Scan & Pay with SPayLater
- Merchant Scan Your SPayLater QR
Step 1
Scan ShopeePay QR or any other DuitNow QR to pay.
Step 2
Key in the payment amount.
Step 3
Select "SPayLater", choose your preferred plan and proceed to pay.
Step 1
Launch your ShopeePayQR Code.
Step 2
Select "SPayLater", choose your preferred plan.
Step 3
Proceed with payment checkout using SPayLater & get rewarded.
When Should You Pay Your SPayLater Bills
Step 1
On the SPayLater homepage, select "Pay Now".
Step 2
Under "My Bills", you can view your unpaid and paid bills by month.
Step 3
View your current bill and select your payment method.
Step 4
Input your ShopeePay PIN
Step 5
Receive successful payment confirmation.
How to Pay Your SPayLater Bill
You are required to make full payment of the month no later than the payment schedule you have choose.
Your SPayLater billing details will include your completed orders and refunded orders from the 1st till the last day of the previous month.
SPayLater Payment Timeline
Fee Schedule
|
SPayLater Payment Option
|
Processing Fee
|
Late Charge
|
|---|---|---|
|
Choose 1 Month
|
0% per month on total payment/order amount starting from 18 January 2024 |
Your SPayLater account will be temporarily frozen until the outstanding amount has been paid. To reactivate the account, users will be charged a late fee of RM10. |
|
3 Months Installment
|
1.5% per month on Total Payment/Order Amount
|
|
|
6 Months Installment
|
||
|
12 Months Installment (It's only applicable for selected users) |
Fee Schedule
|
SPayLater Payment Option
|
Processing Fee
|
Late Charge
|
|---|---|---|
|
Choose 1 Month
|
0% per month on total payment/order amount starting from 18 January 2024 |
Your SPayLater account will be temporarily frozen until the outstanding amount has been paid. To reactivate the account, users will be charged a late fee of RM10. |
|
3 Months Installment
|
1.5% per month on Total Payment/Order Amount |
|
|
6 Months Installment
|
||
|
12 Months Installment (It's only applicable for selected users) |
|
SPayLater
Payment Option |
Processing
Fee |
Late Charge
|
|---|---|---|
|
Pay Next Month |
0% per month on total payment /order amount starting from 18 January 2024 |
Your SPayLater account will be temporarily frozen frozen until the outstanding amount has been paid. To reactivate the account, users will be charged a late fee of RM10. |
|
3 Months Installment |
1.5% per month on Total Payment/Order Amount |
|
|
6 Months Installment |
||
|
12 Months Installment (It's only applicable for selected users) |
Shop Now, Pay Later
Enjoy shopping today and pay for your purchases later with SPayLater