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 the user’s default card in their ShopBack account on the scheduled due date. Overdue payments are subjected to late payment charges.


With PayLater, there is 0% interest, no upfront costs, no fees and no hidden charges as long as you pay on time*! You only pay what you see on the retailer's website, and it works with both debit and credit cards. 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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