Shopee SPayLater Segala Yang Perlu Anda Ketahui
Shopee Malaysia telah memperkenalkan ciri terbaru iaitu SPayLater. Melalui pembayaran ini, pembeli boleh membuat pembayaran secara ansuran terus melalui Shopee.
SPayLater juga membolehkan anda untuk membeli dahulu tanpa sebarang pembayaran dikenakan, lalu bayar kemudian, ataupun setelah mendapat gaji.
Untuk layak menggunakan ciri ini, hanya 2 syarat sahaja diperlukan iaitu Rakyat Malaysia berumur 18 tahun dan keatas serta mempunyai kad MyKad yang sah.
Melalui pembayaran ini, terdapat dua pilihan iaitu BuyNowPayLater(BNPL) dan juga ansuran sehingga 6 bulan. Untuk BNPL, 0% cas dikenakan manakala 1.25%/bulan dikenakan untuk ansuran bulanan. Jika lewat, cas tambahan 1.5% akan dikenakan setiap bulan.
Saya telah menyusun dengan lengkap penerangan SPayLater Shopee ini dengan beberapa perenggan yang amat penting:
- APA ITU SPayLater
- Aktifkan SPayLater
- Bagaimana Membayar Hutang SPayLater?
- Kesimpulan
Maaf penjelasan dalam bahasa Inggeris sebab ianya lebih mudah untuk difahami termanya
APA ITU SPayLater
SPayLater is Shopee's Buy-Now-Pay-Later payment method. You can make a purchase immediately and pay for it next month, or as instalments across a few months.
You also have the option to spread out your repayment to 2 months, 3 months, 6 months or 12 months (only selected users) with a small processing fee starting from 1.5% per month of the total payment/order amount.
Processing fees depend on your preferred payment plan:
Payment plan | Processing Fees | Late payment fee |
Pay within following month | 0% | Your SPayLater account will be frozen if there is any unpaid or outstanding amount. To continue using the service, a late charge of RM10 will be imposed
|
2-month instalments | From 1.5% per month on Total Payment/ Order amount
| |
3-month instalments | ||
6-month instalments | ||
12-month instalments (only applicable for selected users) |
Aktifkan SPayLater
Activate SPayLater by going to the Me tab > Activate Now > Fill in the One-Time Password sent to your registered mobile number > Continue > Fill in your MyKad details and other required information > Start Facial Verification > Start PayLater.
Paying with SPayLater
Select SPayLater during your checkout:
Payment Option > SPayLater > CONFIRM > Place Order > fill in your ShopeePay PIN number > CONTINUE.
⚠️Note
If you have not set up ShopeePay, you can fill in the verification code sent to your registered mobile number instead of the ShopeePay PIN number.
Bagaimana Membayar Hutang SPayLater?
You can pay for your SPayLater bills from the SPayLater page on Shopee App using ShopeePay, Debit Card/Credit Card, Cash Payment and Online Banking.
Go to the Me tab > SPayLater > Pay Now > Current Bill > Pay Now > select a payment method > CONFIRM > proceed with payment process.
Once your payment is successful, you'll receive a notification under the {Finance Updates} folder. Your remaining SPayLater limit should also reflect an updated amount within 24 hours after payment is complete.
⚠️Note
- If your SPayLater limit isn't updated or the bill paid for is still shown under the Amount to pay page after payment, contact Shopee Customer Service for assistance.
Making an early payment for SPayLater
If you want to pay for your SPayLater bill in advance, you can only do so for amounts due in the following month. You cannot pay off the SPayLater bill at once if you chose to pay in monthly instalments.
Go to the Me tab > SPayLater > Pay Now > Upcoming Bill > Pay First > select a payment method > CONFIRM > proceed with the payment process.
Viewing SPayLater transactions
View a full list of your transactions on the SPayLater Transaction History page.
Go to the Me tab > SPayLater > Latest Transactions.
You may see SPayLater transactions with different labels:
- Outgoing transactions
- Instalment - payment by monthly instalments
- PayLater - payment within the following month from order data
- Incoming transactions
- Refunds