eWallet Guide
Sources: GrabPay, Touch ’n Go, Setel
eWallet guide information updates as of 30/9/2025
Buy Now, Pay Later (BNPL) Guide
PayLater by Grab
GrabPay provides 2 PayLater payment methods – PayLater Instalments and PayLater Postpaid via Grab e-wallet. Once you've activated PayLater, you'll be entitled to both PayLater Instalments and Postpaid.
- PayLater Instalments lets you split your payments for eligible purchases into 4, 8, or 12 payments, making it easier to manage your budget. Your monthly installments will be deducted automatically from your GrabPay balance or a linked card.
- PayLater Postpaid allows you to consolidate payments for Grab services (e.g. rides, food, and deliveries) and purchases from online partners on a monthly basis, interest-free. At the end of the month, your transactions will be consolidated into a single bill that you can settle using your GrabPay balance before the due date.
To ensure safe spending practices, you will be assigned a unique PayLater Amount based on your user profile and payment practices and it is subject to change from time to time. This means, the longer you have been using PayLater and the more orders you have successfully repaid according to your payment schedule, the more likely you will be able to spend more.
- Available amount is the maximum amount you are allowed to spend across Postpaid and Instalments and is the same amount as your Instalment Available Amount.
- Instalments available amount is the maximum amount you are allowed to use for Instalments purchases and is the same as your Total Amount.
- Postpaid available amount is a subset of your Instalments available amount.
Instalments available amount is not transferable for Postpaid use.
This means, for example, you may be granted $1500 for Instalments and $500 for Postpaid, your Available amount will reflect as $1500, which is the higher amount of the two. If you spend $500 using Postpaid, you will be left with $1000 for Instalments and $0 for Postpaid. The $1000 allocated to Instalments is not transferable to Postpaid.
For more info: <Click Here>
Source: PayLater by Grab
PayLater by Grab guide information updated as of 30/9/2025
Atome
Atome is a "Buy Now, Pay Later" (BNPL) service that allows users to split their bill into multiple payments.
How it works
Users can choose to pay in three interest-free installments, or opt for more time with a small processing fee. Users pay the first installment at the time of purchase, and the remaining installments are due at specified intervals.
Where to use it
Atome can be used at thousands of online and in-store retailers, and users can pay by scanning an Atome QR code or selecting Atome as a payment option on a merchant's website, including ALL IT webstore.
Features
Atome offers a mobile app that allows users to track payments and earn rewards. The Atome+ program allows users to earn points that can be redeemed for rewards, cashback, or in-app games.
Flexible payment options
With Atome, users have the freedom to split your payment into 3 months at no extra cost. Plus, Atome offers options for longer payment periods, such as 6 months, 9 months or 12 months, for a small processing fee.
For more info: <Click Here>
Source: Atome
Atome guide information updated as of 30/9/2025
SPayLater (Shopee PayLater)
SPayLater is a payment service from Shopee that allows users to buy items now and pay for them later in installments.
Shariah compliant
SPayLater is certified as Shariah compliant by Amanie Advisors.
How it works
Users can select SPayLater as their payment option during checkout, then confirm their choice and place their order. Users can then repay the balance in installments over a period of 1 – 24 months.
Payment Plans
- Processing fees depend on your preferred payment plan.
- The 12-month, 18-month and 24-month payment plan options are only available to eligible users only.
*Late payments may result in restrictions like limited voucher usage and restricted app functions.
*The 3-month installment plan has a 0% processing fee for Shopee platform checkouts (excluding ShopeeFood, insurance and Prepaids, Bill & Tickets). You can see 0% processing fees at the checkout payment option page.
Spending Limit
The spending limit is determined by payment history and behaviour, which is visible on the SPayLater page.
*Users’ spending limit may be adjusted at Shopee's discretion, depending on their repayment behaviour. Pay your bills on time to avoid adjustments.
*There’s a minimum spend for the usage of SPayLater:
- RM1 for 1, 3, 6, 12 months installment tenure.
- RM200 for 18 and 24 months instalments (only available for selected users).
Returns/ Refunds
Users can request a return or refund within 3 working days of the order being delivered. Once the refund is successfully processed, the credit limit will be restored within 24 hours.
To use SPayLater, users can:
- Visit the store and scan the DuitNow QR with ShopeePay.
- Enter the payment amount and click "Next".
- Select SPayLater as the payment method.
- Choose the preferred tenure months.
- Click "Pay Now" to complete the transaction.
For more info: <Click Here>
Source: SPayLater
SPayLater guide information updated as of 30/9/2025