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SPayLater users may checkout in-store with SPayLater exclusively at ShopeePay merchants who accept SPayLater as a payment option. 

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The available repayment options (1, 3, 6, and 12 months), applicable interest, and bill repayment schedule are each the same as using SPayLater on Shopee. However, kindly note that in-store purchases with SPayLater will register as “order received” once payment is successful. Therefore, the SPayLater repayment plan will begin on the next billing date.

To purchase in-store with SPayLater at ShopeePay merchants:

Go to your ShopeePay Wallet > Select the QR Scanner to scan the Merchant QR code located near the cashier > Input pay amount > Select Next > Select your preferred SPayLater tenure > Select Pay Now > enter your ShopeePay PIN > Payment Completed!

To ensure a successful checkout:

1. Purchase within your Available Balance
2. Have no pending overdue SPayLater bills
3. Meet minimum checkout amounts of:
   1. $0.30 for 1-3 month tenure
   2. $1.10 for 6 month tenure
   3. $1.60 for 12-month tenure

⚠️Note

• SPayLater is only available at participating ShopeePay Merchants. For non-participating ShopeePay Merchants, only ShopeePay Wallet Balance will be selectable as a payment option.
• To ensure the security of your transaction, users must input their ShopeePay PIN or a One-Time PIN before checking out.