What is SPayLater?

SPayLater is a flexible instalment payment option that allows you to choose repayment periods of 2, 3, 6, or 12 months, with a credit limit between RM2,500 and RM10,000. It offers low processing fees of 1.5% per month on the total payment or order amount.

Is SPayLater Shariah Compliant? +

Yes, SPayLater (inclusive of Pay Next Month and installment payment options) is certified as Shariah Compliant by Amanie Advisors (“Amanie”), a global Shariah advisory firm and a registered Shariah advisory company with the Malaysian Securities Commission (SC).
SPayLater is consistent with the Shariah permissibility on Bay’ Bithaman Ajil (deferred payment sale), where the parties in a sale transaction agree to make the payment on a deferred basis.

Can I apply to increase my available SPayLater limit? +

You cannot directly apply to increase your SPayLater limit. The approved limit for each user can vary and is determined at our discretion. We periodically review SPayLater accounts and adjust the limit based on various factors.

How do I pay for SPayLater bills?+

You may pay your SPayLater bills via the SPayLater page on the Shopee app using ShopeePay, debit/credit card, cash payment, or online banking.

What payment options can I use to pay my SPayLater monthly bill?+

There are four payment channels available to users, namely:

• - 7-11 cash payment
• - Online banking
• - ShopeePay wallet
• - Credit Card/Debit Card

What are SPayLater Late Charges?+

If your SPayLater payment is not made within the specified time frame, a penalty of RM10 will be imposed, which may lead to the suspension of both your SPayLater and Shopee accounts.
In accordance with Shariah principles, any charges exceeding the actual incurred costs will be donated to a charitable organisation approved by the Shariah Advisor.
It is required to settle the full payment amount stated in your monthly SPayLater bill through one of the following options:
Option 1
Billing Date: 1st of the month·
Due Date: 10th of the month
Option 2 (NEW)
Billing Date: 11th of the month
Due Date: 20th of the month
Option 3
Billing Date: 21st of the month·
Due Date: 1st of the month

What happens if I do not make payment on time?+

You are reuqired to make full payments as stated in your SPayLater bills whenever you use the SPayLater function.
If full payment is not made by the 1st, 10th, or 20th of each month, your SPayLater and/or Shopee account will be suspended. A late fee of RM10 will be applied to restore access to the SPayLater service.

For any further enquiries or issue, may visit link ( Shopee MY Help Center )

What is GrabPay Later?

GrabPay Later offer 0% payment plan for a checkout/purchase which to split into 4 equal payments using credit, debit or FPX payment.

How to qualify for GrabPay Later? +

• - 21 years and older;
• - Platinum, Gold or Silver GrabRewards tier member, and;
• - Have used either cash, credit or debit card for at least 3 Grab transactions in the recent month;

Is there a purchase limit for with GrabPay Later? +

Yes, you can shop up to RM4,000.

Can purchase with a debit card?+

Yes, you can! Both debit and credit cards are accept for GrabPay Later payment option.

Will I get GrabReward points if I pay using PayLater? +

GrabRewards points is awarded for every PayLater Postpaid transaction.
While PayLater Instalments does not currently award any GrabRewards points, you can look out for our various exciting promotions and merchant offers for great value at our merchant directory.

Is there a cost to using PayLater? +

PayLater is a free service offered by retailers to you – there are no upfront fees charged or any interest accrued.
The only fee that may be incurred is admin fee to reactivate your suspended account. Your PayLater account may be suspended if you have overdue PayLater bill and you do not make any payments after being notified by us.

For any further enquiries or issue, may visit link ( Grab Help Center )

Step 1) Tap checkout with GrabPay

Step 2) Enter Grab registered mobile phone.

Step 3) Enter sms OTP send to registered grab mobile no

Step 4) Confirm payment method and total amount

Step 5) Payment processed successfully

What is PAYLATER?

PAYLATER offer 0% payment plan for a checkout/purchase which to split into 4 equal payments using credit, debit or FPX payment.

How to qualify for PAYLATER? +

• - Malaysia Citizen with a valid Malaysia NRIC;
• - Above the age of year 18 years old;
• - Have a valid email address and mobile number;
• - Have a valid residential address in Malaysia;
• - Have a valid Bank Account / Debit Card / Credit Card

Is there a purchase limit for with PAYLATER? +

Yes, you can shop up to RM3,500 on Apple devices and Apple original accessories and the minimum purchase required is RM50. But you can always request in-apps for higher shopping limit if you would want to purchase above RM3,500 worth of Apple devices.

Can purchase with a debit card?+

Yes, you can! Both debit and credit cards are accept for PAYLATER payment option.

What is the billing cycle like?+

It will be based on monthly billing cycle.

Are there late payment charges? +

Yes, there will be a small amount of penalty fee to be charged. Please refer to PAYLATER website FAQ for more info. (https://support.paylater.com.my/hc/en-us/articles/360053406394-What-are-late-penalty-charges)

What are the payment options for instalment? +

You may choose either auto debit on your preferred card, or FPX manual transfer to PAYLATER Malaysia via an in-app option in the PAYLATER Malaysia app.

Can I apply for more than 1 (ONE) purchase at a time?+

Yes, you may. As long as you are still within your allocated ‘shopping limit’, you may have as many purchases as you can.

Is automatic deduction for repayments available? +

PAYLATER provides automatic payments and repayments. When you are signing-up, you have agreed for automatic payments and recurring payments.
On the due date, we will take your instalment from the payment method you have provided. We will always send you reminders before an instalment is due, and so just to make sure you have sufficient funds in your account for the instalment. We will then do the rest. If a repayment is failed, we will try the other payment method you provided for us.
*Alternatively, you can always make payments manually on-time or early, by clicking "Pay Now" button on your shopping history in-app.

What happens if I miss a payment? +

Before you miss a payment, the system will notify you via SMS, system notification and email on your repayment is about to due. You will be charged for a small amount of penalty fee for every 7 days of non-payment.

For any further enquiries or issue, may visit link ( https://support.paylater.com.my/hc/en-us )

What is Atome?

With Atome, you can buy now and split your purchase into 3 interest-free payments using credit or debit card.

What are the payment methods for repayment? +

App repayment. Go to your ATOME APP. Select "Check and Pay" overdue bills. Update your credit or debit card details.
Auto-Deduction. Ensure sufficient funds available on the debit/credit card bound to your Atome account for auto deduction.

Am I eligible to use the Atome service?+

Is there a purchase limit for with Atome? +

Yes, you can only shop up to RM4,099 (for debit card payments) and up to RM6,000 (for credit card payments) on Apple devices and Apple original accessories but there is minimum purchase required of RM25.

How do I pay using Atome?+

Shop with iTworld in-store and choose Atome as your preferred payment method at checkout. Make your first payment (one-third of your bill) with your credit or debit card at the time of purchase and the rest over the next two months in two equal interest-free instalments. Just that easy.

Do customers have to pay any fees for using the Atome service?+

Atome comes as a free service: no hidden charges if scheduled instalments paid on time. 

What happens if I miss a payment? +

Atome will charge an administration fee and freeze the account until the outstanding amounts are paid. To reactivate your Atome account, Atome will charge a RM50 one-time fee. If this reactivation fee and instalment is not paid within seven days, an additional RM25 fee will be charged (by Atome). In Malaysia, the maximum administrative fee is capped at RM150 per transaction.

How 6 months instalment work? +

For any enquiries or issue, may contact support@atome.my