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SPayLater offers flexibility and convenience, allowing you to shop now and pay later—whether you're shopping online or in select physical stores. Here's how you can use it:

Online Purchases

SPayLater is available for most transactions on the Shopee app. At checkout, simply select SPayLater as your payment method and choose an installment plan that suits you. You can use it on the following:

• Shopee Check-Out – Use SPayLater to shop from thousands of sellers on the Shopee App, including fashion, electronics, and household essentials. Learn more about checking out with SPayLater.

• Bills Payment / Digital Products & Services – You can also use SPayLater to purchase a wide range of digital products. Browse them through the Digital Products page on the Shopee App homepage. Categories include:

• Top Up (e.g., prepaid mobile loads)

• Travel (e.g., tolls, hotels, beep cards, and tours & attractions)

• Lifestyle (e.g., e-vouchers, game vouchers, and gift cards)

• Bills (e.g., electricity, loans, landline, internet, credit cards, water, mobile plan, government services, insurance, TV cables, education, real estate, and memorial plan)

• Others (e.g., Shopee Insurance)

• Government and telecom payments (where available)

In-Store Purchases (QRPH / Scan-to-Pay Transactions)

SPayLater is also available in select physical stores through ShopeePay’s Scan-to-Pay feature with QRPH-supported merchants. Learn more about using SPayLater for Scan to Pay ShopeePay payments.