You might be curious whether you can use the Shopee installment without credit card. The answer is yes. You still can pay in installments even if you don’t have a credit card with Shopee Pay Later. Do you want to know more about it? Let’s check these out!

Is It Safe to Pay Online on Shopee?

Do you want to use a Shopee installment debit card Malaysia to pay your Shopee bills but worry whether it is safe or not. Actually, you don’t need to worry because it is safe and secure to pay your bills using online payment methods on Shopee.

Read also: Shopee Installment: How To Enable It And Shop Better

Payment Methods Supported by Shopee

Many people buy things using e-commerce platforms like Shopee. Online shopping is easy and popular because you can shop anywhere and anytime. Beside that, you can choose many payment methods there. Here are the payment methods you can choose in Shopee, such as:

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Credit and Debit Card

Credit card and debit card is another way to pay your bills. It is your money replacement which payments are processed through third­ party service providers and supporting cards may vary across markets. For your information, Shopee only accepts the credit card and debit card that is a locally issued Visa / Mastercard. 


Another way to pay your Shopee bills is by using ShopeePay. ShopeePay is digital wallet by Shopee. When you use Shopeepay to pay your bills, you can enjoy checkout faster and get free shipment too.

Read also: Tips On How To Use Shopeepay As A Payment In Malaysia

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ATM And Cash Deposit

Another payment method you can use in Shopee is ATM and cash deposit but not all ATM and bank transfers are supported as the payment method.

Online Banking

Using online banking is easy because it is comprehensive and secure. Here are the affiliate banks option such as Maybank, CIMB Bank, Ambank, RHB Bank, Public Bank, Hong Leong Bank, Bank Rakyat, UOB Bank, Affin Bank, Bank Islam, HSBC Bank, Standard Chartered Bank, OCBC Bank, Alliance Bank and also BSN. 

Doing Cash Payment At 7-Eleven

If you don’t have a bank account or online banking, you still can buy things in Shopee. You can pay your bills via cash at 7-Eleven. To use this payment method, all you need to do is place an order in Shopee and choose 7-Eleven as the payment method. Then take your cash and pay your bills at the nearest 7-Eleven for the payment directly.

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Installment Plan

Can I do an installment Shopee debit card? Mostly installment in Shopee using credit card which can only be made currently with Maybank or another Public Bank credit card. This Shopee installment bdo only available when you buy things for more than RM500.

ShopeePay Later

ShopeePay Later is the new payment method which allows you to buy first and pay later. Beside that, there are installments available there. This Shopee Pay Later is applicable to all people with the minimum age of 18 years and has a valid MyKad

Payment Using Shopee Installment Plan

What is the Shopee installment plan Malaysia? A Shopee installment plan means an arrangement for Shopee payment by using installments to attract the buyer and improve the  buyers’ buying experience and boost your sales

There are several payment options you can choose when using this Shopee new payment method, such as:

  • Buy Now Pay Later (BNPL).
  • Monthly installments of two months.
  • Monthly installments of three months.
  • Monthly installments of six months. 

If you choose to pay your bills with Buy Now Pay Later, you have to pay your bills in full next month with no fees charged. But if you choose the installments, you will be charged a 1.25% for processing fee on your order amount each month.

Only the selected users that get the notification are able to use this feature. Here are the way to activate SPayLater:

  • Step 1 – Select SPayLater on the Me tab.
  • Step 2 – Click Activate Now button.
  • Step 3 – Insert the OTP code that you receive on your phone.
  • Step 4 – Photo and upload your MyKad and other information required.
  • Step 5 – Go to the next facial verification process.
  • Step 6 – Now you can use your SPayLater already.

Minimum Spend for Eligibility of Shopee Installment

When the buyer goods by using installments, they can enjoy 6 months, 12 months or 18 months (Maybank only) of 0% installment payment using their Maybank or Public Bank credit cards but it depends on the value of the product too.

If you want to make a payment using Shopee installment, there is a Shopee installment minimum of the total checkout value of RM500. To avail of the installment plan, you must see if your selected product is featured with the installment tag or not. 

Here are the benefits of Shopee installment you need to know, such as:

  • Better buyer experience with an additional payment channel.
  • Higher orders on high value products.
  • Get more chance for another specific campaigns and exposure
  • No upfront fees needed because only a small transaction fee will be charged upon order completion.

Can I Pay Installment with Debit Card?

When using a Debit Card to pay your installment, you will be charged the specific amount every month from the bank. You can also ask for a debit card split installment. In the other word, you can directly use the intermediary companies offering the installment payments where you can register both debit and credit cards.

Can I Pay Installment in Shopee Using Credit Card?

A debit card is different from a credit card, but both of them can be used to pay the installments. When using the credit card, you buy things and after some time the bank will give you the final numbers you owe them, with commissions and extra fees, also the schedule of the amount settlement.


There are many payment methods available on Shopee. You can choose the one that suits you. You also can also choose to pay with installments even if you don’t have a credit card with ShopeePay Later. To use the installment payment method, you need to buy things for the minimum of RM500.

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