How does ShopBack PayLater work? What are the benefits of using this service?

ShopBack PayLater allows you to pay for your purchase over 3 monthly instalments. No interest, no hidden fees.

1st instalment: Upfront payment

2nd instalment: 30 days from checkout (purchase date + 30 days)

3rd instalment: 60 days from checkout (purchase date + 60 days

The 2nd and 3rd instalments are automatically deducted from your default card in your ShopBack account on the scheduled due date. Overdue payments are subjected to late payment charges.

With PayLater, there's 0% interest and no hidden fees, if you pay on time. You pay only what you see on the retailer's website, with either your debit or credit card. There may be late payment fees for overdue payments, so that people don't abuse the service.

At ShopBack, we believe in encouraging our customers to shop smarter and spend sensibly. We’ve created PayLater to help them track their purchases and make timely repayments.


What’s more, you can earn Cashback from eligible merchants when you redirect from ShopBack and use the earned Cashback to offset your ShopBack PayLater payments!

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