Can I buy things with a Shopee installment? Absolutely yes, there is a new payment method in Shopee which is called SPayLater. These features allow you to buy things now and pay later. Beside that, you can do the installments too.

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Does Shopee Accept Installment?

Can I buy things in Shopee with a Shopee installment without credit card? This is impossible when you buy things on other platforms but not in Shopee. Now Shopee has a new payment method that lets you buy things in Shopee with installments but there is no credit card needed. This application is called Shopee Pay Later or also known as SPayLater.

The Shopee Pay Later feature lets the Shopee users buy things now and pay them later. You only can use this SPayLater at the Shopee platform. You can hold your Shopee bills and pay them in the next month. If you don’t want to pay in a full amount, you can also choose the installments up to six months. 

Who is able to use this feature? This Shopee Pay Later is applicable to all people with the minimum age of 18 years and has a valid MyKad. 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.

When you choose those payment methods, don’t forget to make sure that there are no bills left in the stipulated time frame. If there’s a bill that you haven’t paid in the time frame, you will be charged for 1.5% each month on the overdue amount. That’s why you need to make all your bills clear at the latest on the 10th of every month.

If you want to avoid the Shopee installment charge, you need to pay the bills on time. There are many ways to pay your Shopee Pay Later bills. You can use the ShopeePay e-wallet, online banking, or cash at 7-Eleven.

For your additional information, all Shopee users that use the SPayLater feature will be granted a spending cap for a maximum limit of RM3 ,000. The cap you get might be different from other Shopee users because it will be based on many factors,including your spending behavior, purchasing pattern on Shopee and also the repayment history.

Read also : 6 Most Useful Tips On How To Increase Sales In Shopee

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What Is Shopee Installment Plan?

What is the Shopee installment plan malaysia? 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, Shopee sellers can sign up for an installment plan to sell your high-value products in a more affordable way.

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.

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

  • Reach a better buyer experience with an additional payment channel.
  • Higher orders on high value products.
  • Get more chances for more installments, campaigns and exposure.
  • There are no upfront fees needed.

Can I Pay Installment With Debit Card?

Online shopping is the most popular shopping site nowadays. You can choose many payment methods there. So as Shopee. Shopee offers the payment installments with a debit card and credit card too.

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.

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.

Read also : How To Top up Shopee Pay And Pay Using It In Malaysia?

How Do I Enable Installment On Shopee?

How to check Shopee installment? Before you can check your Shopee installment, you need to have your own Shopee Pay. But not all people can use the SPayLater. 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
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What Are The Terms For Payment By SPayLater?

What is the Shopee installment minimum? There is no minimum installment amount but the maximum limit is RM3,000. You will only be able to pay by SPayLater on Shopee if you are required. What are the terms for payments? Here are the terms for payment by SPayLater, such as:

  • You are a Malaysian citizen
  • 18 years or older
  • Have a valid MyKad / MyPR

If you fulfill the eligibility conditions but cannot pay by SPayLater, You can try to contact Shopee Customer Service for the solution.


SPayLater is only available to selected users who get a notification in the app. Once you have activated it, SPayLater will appear as one of your Shopee payment options during the checkout process. You’ll also be able to select your preferred installment plans too. Your SPayLater spending limit might be adjusted at Shopee’s discretion, depending on your repayment behavior. 

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