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[SPayLater] Is there any fee charged when I use SPayLater?
Applicable processing fees will be calculated depending on the seller and SPayLater tenor selected. Refer below for more details.
- When shopping at participating SPayLater sellers, SPayLater users can continue to enjoy 0% processing fees for 1 Month and 3 Months instalment plans. Additionally, the 6 Months and 12 Months monthly processing fees will be reduced to 0.5% of the checkout value.
Shopping at Participating SPL Sellers | ||||
1 month | 3 months | 6 months | 12 months | |
Total Processing Fee | 0% | 0% | 3% | 6% |
Monthly Processing Fee | 0% | 0% | 0.5% | 0.5% |
EXAMPLE | Original Price $100 | |||
Original Price per month | $100 | $33.33 | $16.67 | $8.33 |
Fee per month | $0 | $0 | $0.50 | $0.50 |
Final Price per month | $100 | $33.33 | $17.17 | $8.83 |
You may refer to our educational microsite on how to find and shop at participating SPL sellers to enjoy reduced processing fees.
- At non-participating SPayLater sellers, installment plans of 1 Month, 3 Months, 6 Months, and 12 Months will be available, however, users will incur monthly processing fees of up to 1% of the checkout value.
Shopping at Non-Participating SPL Sellers | ||||
1 month | 3 months | 6 months | 12 months | |
Total Processing Fee | 1% | 3% | 6% | 12% |
Monthly Processing Fee | 1% | 1% | 1% | 1% |
EXAMPLE | Original Price $100 | |||
Original Price per month | $100 | $33.33 | $16.67 | $8.33 |
Fee per month | $1 | $1 | $1 | $1 |
Final Price per month | $101 | $34.33 | $17.67 | $9.33 |
⚠️Note
- Within the Payment Method page, monthly repayment amounts are inclusive of both item amounts and applicable processing fees
- Additionally, there are two types of fees that may be incurred for SPayLater users other than the processing fee:
- A $5 Late Payment Charge for users who do not make full repayment by the bill due date.
- A $1 Handling Fee for processing manual repayments through Credit/Debit cards. (Auto repayment and manual repayment through ShopeePay and PayNow will not be charged)
For more information, you may refer to our SPayLater Terms of Service.
