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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 processing fee rates, 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 tenor > 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: a. $0.30 for 1-3 month tenors b. $1.10 for 6 month tenor c. $1.60 for 12-month tenor

⚠️Note

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