{"id":86891,"date":"2021-04-15T11:01:34","date_gmt":"2021-04-15T03:01:34","guid":{"rendered":"https:\/\/www.grab.com\/my\/?page_id=86891"},"modified":"2026-02-04T13:00:37","modified_gmt":"2026-02-04T05:00:37","slug":"responsible-spending","status":"publish","type":"page","link":"https:\/\/www.grab.com\/my\/finance\/pay-later\/responsible-spending\/","title":{"rendered":"Responsible Spending"},"content":{"rendered":"\t\t
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Building responsible behaviours with you<\/h1>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t
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Enjoy the flexibility to spend, with features that help keep you from overspending.<\/h1>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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As PayLater empowers consumers with the freedom and flexibility to pay, we\u2019ve also put important efforts in place to enable and encourage healthy spending habits.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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We help keep your spending under control<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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With personalised spend limits and no hidden fees<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Looking at many factors \u2014 including how long you\u2019ve been on the Grab platform and how much you\u2019ve spent on Grab \u2014 we set an appropriate PayLater available amount for you to use.<\/p>\n

If you miss a PayLater payment, we will temporarily suspend your PayLater account to prevent you from overspending.<\/p>\n

Other than RM10 Late Payment Charges that will be charged for each missed payment (capped at RM30 for PayLater Instalments) to reactivate your PayLater account if it has been suspended, there are no hidden fees when you use PayLater.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Features to help you stay on top of your finances<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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Automatic repayments<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Set up automatic deductions to enable repayments from your GrabPay balance or linked card, it\u2019s virtually impossible to miss a bill this way. So you can continue to enjoy PayLater, completely free.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Track your spending at a glance<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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See your available amount, payments due, upcoming payments, and more at a glance on the PayLater home screen. Plus, if you use PayLater on Grab services, you\u2019ll receive a consolidated monthly bill to help you track and manage your spending on Grab.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Transparent communication at every step<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Receive updates each time you make a transaction, when a repayment is successful, when you can expect your refund, and more. We do this so you\u2019re always in the know.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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We help you navigate financial hardships\n<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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So that you can get back on your feet<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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We understand that unexpected changes happen in life and we want you to know that we are here to help. Reach out to us via our Help Centre<\/a> if you\u2019re facing financial difficulties and our Grab Support team will seek to understand your situation and propose possible solutions to suit your needs.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Not on PayLater yet?<\/h1>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Activate PayLater in your Grab app now and embrace the freedom of having 4 ways to pay\u2014either next month in one bill or in 4, 8 or 12 monthly instalments.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\tActivate now<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\tWhat is PayLater?<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\"\"\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"Building responsible behaviours with you Enjoy the flexibility to spend, with features that help keep you from overspending. As PayLater empowers consumers with the freedom and flexibility to pay, we\u2019ve also put important efforts in place to enable and encourage healthy spending habits. We help keep your spending under control With personalised spend limits and […]","protected":false},"author":607,"featured_media":0,"parent":79202,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"grab20-full-width","meta":{"_acf_changed":false,"footnotes":""},"acf":[],"_links":{"self":[{"href":"https:\/\/www.grab.com\/my\/wp-json\/wp\/v2\/pages\/86891"}],"collection":[{"href":"https:\/\/www.grab.com\/my\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.grab.com\/my\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.grab.com\/my\/wp-json\/wp\/v2\/users\/607"}],"replies":[{"embeddable":true,"href":"https:\/\/www.grab.com\/my\/wp-json\/wp\/v2\/comments?post=86891"}],"version-history":[{"count":25,"href":"https:\/\/www.grab.com\/my\/wp-json\/wp\/v2\/pages\/86891\/revisions"}],"predecessor-version":[{"id":225954,"href":"https:\/\/www.grab.com\/my\/wp-json\/wp\/v2\/pages\/86891\/revisions\/225954"}],"up":[{"embeddable":true,"href":"https:\/\/www.grab.com\/my\/wp-json\/wp\/v2\/pages\/79202"}],"wp:attachment":[{"href":"https:\/\/www.grab.com\/my\/wp-json\/wp\/v2\/media?parent=86891"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}