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Eligibility

You can pay by SPayLater on Shopee if you:

1. Are 21 - 65 years old
2. Have a valid Government ID 

A spending limit applies depending on your payment history and spending behavior. You can view the overall and remaining spending limit on the SPayLater page.

If you fulfill the eligibility conditions but cannot pay by SPayLater, contact Shopee Customer Service.

⚠️Note

1. Your spending limit may be adjusted at Shopee's discretion, depending on your repayment behavior. Pay your bills on time to avoid adjustments.
2. There is no minimum order amount for using SPayLater.

Payment plans

SPayLater has a processing fee of 0-2% per transaction amount and monthly interest ranges from 1-5% for items. Pay your SPayLater bill on time to avoid additional charges!

⚠️Note

1. Your Shopee account may face these restrictions if you're often late for payment:
2. Limited usage of Shopee vouchers
3. Limited access to Shopee App functions

Payment due dates

You can select your SPayLater payment due dates based on when you make your purchase. Here are the available due dates:

1. Pay by the 5th of each month
2. Pay by the 15th of each month

⚠️Note

1. You'll be billed for payment 10 days before the due date. Learn how you can view your SPayLater bills.
2. If you are paying by the billing cycle selected before the due dates, you will have to complete payment according to the original due dates. Check the SPayLater page for your due dates.

Returns/refunds

If you request for a return/refund for products paid by SPayLater, these terms apply:

1. For orders from 1 seller only, any return/refund requests will apply to all items.
2. For orders that have items from more than 1 seller, any refund requests for an item will apply to all other items from the same seller.

SPayLater is a payment method offered by SeaMoney (Credit) Philippines, Inc. regulated by the Securities and Exchange Commission.