What is SPayLater
SPayLater, a Buy Now Pay Later (BNPL) service, allows users the flexibility to make purchases and pay in smaller amounts, either in one month or through instalments.
Why SPayLater
Shariah-Compliant
certified by Amanie Advisors
0% fees
with 1 & *3 months.
1.5% per month
for Instalment up to *3, 6 & 12 months.
Full transparency
Track your bills and get payment reminder.
No hidden charges
A flat RM10 late fee on your bill.
Easily Accessible
Available Online & In-StoresNote: The 1-month installment can be used for all payments. *The 3-month instalment with no processing fee is only applicable for payments on the Shopee platform (excluding ShopeeFood, Insurance, Prepaid, Bills & Tickets). You will be able to see the 0% processing fee on the payment options page during checkout.
Use SPayLater Anywhere!
Scan & Pay In-Store
Launch ShopeePay QR for merchant or self-scan.
Online websites
Shop from merchants on websites or mobile apps.
On Shopee
Online shopping on Shopee app.
Shop smart, spend responsibly
Understand the terms & conditions, especially on the fees & charges.
Assess your affordability. Make informed decisions by considering value and necessity.
Transparent and supportive. You will be reminded on your payment prior to due date.
Checkout with SPayLater now
Pay your SPayLater bill on time
SPayLater is a buy-now-pay-later (BNPL) offered by Monee Capital Malaysia Sdn. Bhd. with ShopeePay as platform partner. Please refer to the SPayLater Terms and Conditions to better understand the terms, including fees, late payment, dispute resolution, benefits and risks involved. (BNPL products are not regulated by Bank Negara Malaysia).