Grab users who are eligible for PayLater should be

1. You’re aged 21 years or over
2. Your account has been fully verified
3. Your Grab app has been updated to the latest version.

If you’re eligible for PayLater, you’ll be able to activate it in-app, or simply launch your Grab app, tap on Payments, tap on Enjoy Now and Pay Later under Explore GrabPay.

If you don’t see the PayLater option, we’re unfortunately unable to offer this service to you just yet. All approvals are subject to our internal review.

We are working towards providing the PayLater service to more users soon. Stay tuned!

Grab PayLater lets you consolidate and manage your payments across various Grab services, including rides, food, deliveries, and from selected online or in-store merchants.

Once activated, you’ll get instant access to a PayLater Amount to spend, and your purchases will be grouped into a monthly bill, payable via your GrabPay balance or linked card.

There are two ways to use PayLater in Malaysia: PayLater Postpaid and PayLater Instalments. 

Click the below to reveal how each works:

PayLater Postpaid : Here

PayLater Instalments: Here

Yes, you will get up to 1X GrabCoins per RM1 spent for every PayLater transaction (both Instalment and Postpaid). 

Find out more about the GrabCoins you can earn here.

If you need a refund for your PayLater purchase, whether it’s Postpaid or Instalment, you should first contact the merchant directly. Ensure you have a screenshot of your order receipt and payment for their review. Refunds are subject to the merchant’s return policy.

Refunds will be applied first to offset your current PayLater Postpaid or PayLater Instalment usage, depending on the payment method used for the transaction. If the refunded amount is higher than your PayLater usage, the excess will be credited to your GrabPay Wallet.

Learn about PayLater fees, charges, and payment terms to help you manage your payments effectively.

PayLater offers several payment options with different fee structures:

A late payment charge of RM10 also applies for each missed payment.

If you’re having trouble with Grab PayLater, this guide will help you troubleshoot common issues and get back to smooth, cashless payments.

1. Can’t access PayLater?

Check your eligibility: Visit the eligibility page. Availability may vary based on your account and location.

Update your app and verify your identity: Ensure your Grab app is updated. Android users can update here, and iOS users here. Complete identity verification if prompted.

Check your location: If you’ve moved to another country, you may need to reactivate PayLater in your new location.

Settle outstanding payments: Any unpaid bills can prevent access. Visit the payment resolution page for guidance.

2. PayLater account suspended or limit reduced

This usually happens due to missed payments or account irregularities. To restore your account:

1. Open Finance > PayLater > Upcoming.
2. Select Pay Outstanding (for Postpaid) or Pay Now (for Instalments) to clear dues.

To increase your limit, maintain timely payments and responsible usage. If you suspect an error, contact our support team.

3. PayLater activation failed

Eligibility is based on your Grab activity and credit score, which we check via CTOS with your consent. To improve your chances of activation:

• Pay all bills (credit cards, utilities, etc.) on time.
• Use Grab services regularly to show consistent activity.
• Consider advice from financial advisors if needed.

Avoid overspending or relying heavily on credit cards. If activation fails, try again after three months to allow time for credit score improvement.

Find a comprehensive library of help articles in our Help Center.