Get what you want now, pay for it later

What does “Interest Rate” mean?

The term “Interest Rate” refers to the charge applied for using PayLater to split your payments into installments. This charge compensates for the cost of providing the PayLater service.

What are “Late Payment Charges”?

“Late Payment Charges” are fees incurred if you fail to pay your installment(s) on time. These charges encourage timely payments and cover administrative costs related to overdue accounts.

The terminology change does not affect the amount charged. The fees/rate remain the same; only the names are being updated for clarity. Your current PayLater plan and agreement remain unchanged. The updates only affect the terminology used to describe the charges.

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!

PayLater by Grab lets you consolidate and manage your payments across various Grab services, including rides, food, deliveries, online and in-store partners, or at stores with DuitNow QR for selected users. Once activated, you’ll be granted a PayLater limit to spend. Your Postpaid purchases will be grouped into a monthly bill, payable via GrabPay or linked card.

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

PayLater Postpaid (Pay next month)

With PayLater Postpaid, you can consolidate all your Grab purchases (like rides, food, and deliveries) or eligible in-store payments into a single bill and pay for them the following month — interest-free.

How it works:

• All transactions within the month will be grouped into one bill.
• You’ll receive your bill at the start of the following month.
• Pay the full amount by the due date to avoid any late fees.

How to use:

1. Ensure PayLater is activated.
2. At checkout, select PayLater by Grab as your payment method.
3. Choose Pay next month.
4. Complete your order and enjoy your purchase! We’ll notify you when your monthly bill is ready. Payment will be auto-deducted from your GrabPay or linked card.

We’ll notify you when your monthly bill is ready. Payment will be auto-deducted from your GrabPay Wallet or linked card if a sufficient balance is available.

📌 Example: If you use PayLater Postpaid for rides and food in April, you’ll receive a bill in early May. Pay the full amount before the due date to continue using the service smoothly.

PayLater Instalments

PayLater Instalments lets you split your payments into 4, 8, or 12 monthly payments, making it easier to manage your budget.

How it works:

• Choose PayLater Instalments at checkout (Valid for online and in-store purchases with Grab QR or DuitNow QR for selected users).
• You can split your payment into 4, 8, or 12 instalments. Refer to the table below.
• The first instalment will be charged immediately.

PayLater Payment Options & Interest Rate

How to use PayLater to pay online or in-store:

1. Activate PayLater in your Grab app under the Finance tab.
2. Shop at any PayLater acceptance stores online or in-store with DuitNow QR.
3. Choose PayLater by Grab at the checkout page.
4. Choose your preferred payment method (pay next month or in 4, 8, or 12 instalments). Add Offers if any.
5. If you choose instalments, you only have to pay the first instalment amount upfront. 

An interest rate per instalment may apply to your PayLater purchases as illustrated in the table above.

We have partnered with a select group of VIP brands who are dedicated to making your shopping experience the most rewarding it can be. These top brands offer you our best available rewards and provide the most attractive shopping deals for you. 

You will enjoy 0% interest rate per instalment for Postpaid and earn up to 2x GrabCoins when you shop at PayLater by Grab VIP brands! Launch Grab app, tap on ‘PayLater’ icon in the homepage to browse these brands. 

Yes! DuitNow QR is Malaysia’s National Standard QR and you can now use PayLater by Grab to pay at any stores with a DuitNow QR! Just look out for the DuitNow QR standees in-store, as long as there’s a DuitNow QR logo you can pay with PayLater by Grab, even if it’s from other providers like Touch n Go eWallet, MAE or ShopeePay.

How to use PayLater to pay via DuitNow QR in-store:

1. Launch the Grab App.
2. Open the QR scanner by tapping on the scanner icon.
3. Scan any DuitNow QR in-store.
4. Choose your preferred payment options (Postpaid or in 4, 8, or 12 instalments). 
5. Add Offers if any. Then, tap to pay.

Pro-tip: Tap on the ‘Finance’ icon in the homepage, click PayLater to view your upcoming payments. 

Yes! You can earn up to 2x GrabCoins for making online and in-store purchases with PayLater.

Unlock Double GrabCoins!

Make the most of your Grab transactions with GrabCoins. Visit the GrabCoins homepage to check out all of the latest ways you can earn!

To offset GrabPay or PayLater in-store payments:

1. Tap Pay at the top-left corner of your app home screen.
2. Scan the in-store DuitNow QR code.
3. Verify the store name, enter the payment amount, and tap Continue. Ensure your GrabPay Wallet or PayLater is sufficient to cover the amount before GrabCoins are applied.
4. Select how many GrabCoins you would like to use for your discount.
5. Tap Pay to complete the transaction.

Find out more here.

PayLater Protect: Complimentary Buyer & Purchase Protection Coverage

Shopping with PayLater by Grab just got safer. PayLater Protect is a complimentary insurance benefit that covers your eligible online purchases of RM250 or more with PayLater. It protects your items from accidental damage and theft after you receive them, and also covers you if your item doesn’t arrive, is damaged during delivery, or isn’t what you ordered. Find the full details below.

Latest Eligible Period: 1 August 2026 – 31 October 2026

(A) Is PayLater Protect complimentary?

Yes, PayLater Protect is an insurance offered as a complimentary benefit by Grab to customers who checkout using PayLater by Grab. Eligible customers are automatically enrolled in this Group Insurance without additional cost, as long as they meet the eligibility criteria.

(B) Who is eligible to receive coverage under PayLater Protect?

Coverage is available to Grab customers who:

(i) are Malaysian residents aged 18 or older;
(ii) make an online purchase of insured item of RM250 or more via PayLater by Grab as payment method within the Challenge Period (“First Purchase”); and 
(iii)have manually opted in to the PayLater Protect Challenge organised by Grab.

(C) What is covered under PayLater Protect?

PayLater Protect covers your purchased item(s) valued at above RM50, when paid using PayLater by Grab (“Eligible Item”), and made within the Period of Insurance (see question 2(ii)). You will receive an email confirmation indicating the exact Period of Insurance.

The Eligible Item(s) are covered against:

(i) accidental damage, maliciously damaged or theft throughout the Coverage Period (see question 4) (“Purchase Protection Benefit”); and
(ii) instances where your purchased item(s) did not arrive, were damaged during transit, or where the arrived item does not match the seller’s description and condition (“Buyer’s Protection Benefit”).

Please refer to the policy wording for the full details of all benefits, terms, conditions and exclusions that are applicable. 

(D) How long does the insurance coverage last?

Each Eligible Item (refer to (C)) purchased within the Period of Insurance will be covered for 120 consecutive days starting from the date the item(s) are received (“Coverage Period”).

(E) What should I do if I wish to claim for PayLater Protect?

You can simply submit a claim to Chubb Malaysia via either methods below:

• Send an email to SPLClaims.MY@chubb.com, or
• Call Chubb customer service hotline at 03-2058 3000

You may be required to submit a claim form and proof of loss, or any supporting documentation regarding the Claim if required by Chubb. Further, you are required to bear a deductible of 10% of the item’s purchase value for each claim. 

For information on the documents needed to file a Claim, the Insured may visit www.chubb.com/my. 

(F) What happens if my claim is approved?

After your claim is approved, Chubb will either repair or replace your item. If repair or replacement is not possible, Chubb will provide reimbursement up to the item’s purchase value.

Note that all repairs, replacements, or reimbursements are claimable up to the Purchase Value for each claim, subject to a maximum of RM3,000 combined policy limit in aggregate for all claims throughout the Period of Insurance. You will be required to bear a deductible of 10% of the item’s purchase value for each claim.

Reimbursement settlements will be processed within 2 to 7 working days, depending on the payment method. Please contact the Chubb customer service hotline for any queries.

(G) How do I know if my claim is approved?

You will be notified by Chubb via email once your claim is approved.

(H) What are some of the important exclusions under this insurance? (Non-exhaustive)

The insurance does not cover loss of items not due to theft, and damage caused by normal wear and tear, product defects, or faulty workmanship; loss due to negligence, misuse or modifications to the original specifications of the insured device; losses from natural disasters, war, nuclear contamination, or government confiscation; or where there is a transfer of ownership. Disposable goods are excluded from claims under the Purchase Protection Benefit.

For a complete list of exclusions, please refer to the policy wording.

(I) What is the limit of my claim(s)?

Claims are up to the Eligible Item’s purchase value for each claim subject to a maximum of RM3,000 combined policy limit in aggregate for all claims. Note that you will be required to bear a deductible of 10% of the item’s purchase value for each claim.

(J) How many claims am I entitled to under the policy?

You can make as many claims as you wish subject to a maximum of RM3,000 combined policy limit in aggregate for all claims. Note that you will be required to bear a deductible of 10% of the item’s purchase value for each claim.

(K) What if I have further questions about PayLater Protect?

For further inquiries on this benefit, please contact Chubb via email at Inquiries.MY@chubb.com.

If you miss a scheduled monthly bill or instalment payment past its due date, the following rules apply:

• Account Suspension: Your PayLater account will be temporarily deactivated immediately to prevent further accumulation of debt.
• Late Payment Charges: There are no compound interest penalties. However, a RM10 late payment charge applies for each overdue bill. To reactivate your suspended PayLater account, clear your outstanding balance.

PayLater by Grab provides a clear pricing structure depending on how you choose to spend. We are committed to transparency, meaning there are no hidden fees.

• These services are only available to selected users and selected online & in-store brands. 

You can easily manage your PayLater transactions and resolve checkout or cancellation issues directly in the app.

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