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[Combined Payments] How do I checkout using SPayLater if my credit limit is insufficient?

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If your SPayLater credit limit isn’t enough to cover your favorite items on Shopee, you can combine SPayLater with another payment method to complete your purchase.


To do so, select a SPayLater Instalment plan on the Checkout page’s Payment Option > Place Order > If your SPayLater credit limit is insufficient, you will be prompted to choose an additional payment method (excluding Cash on Delivery and Credit Card). ShopeePay is highly recommended.


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⚠️ Note

· SPayLater combined payment option is only allowed once the available SPayLater credit limit is used up. Some payment methods, like Cash on Delivery (COD) and Credit Card, cannot be used for combined payments.

· SPayLater combined payments are only available for Shopee marketplace checkout.

· If you have a ShopeePay account, you will need to verify the SPayLater payment using your ShopeePay PIN.

· If you still need to get a ShopeePay account, you will receive a one-time password (OTP) via SMS for verification.

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