Short on cash until the next payday? 💸

Hang tight ’cause we’ve got you! Get through the month with PayLater. Giving you the flexibility to enjoy the Grab services you love NOW, then pay for them LATER all in one monthly bill. 

What is PayLater?

PayLater is a service that allows you to consolidate your spend on Grab services and pay next month. When you activate PayLater, you get instant access to a pre-approved PayLater amount that can be used for your Grab Mart, Car, Taxi, Express and Food transactions. When your bill is generated, your transactions will be consolidated into a single bill that you can settle using your GrabPay balance before your bill due date.

Why Activate PayLater?

Get instant access to a spending amount with 0% interest

A processing fee of 3.99% will be charged for each transaction made with PayLater. An additional late fee of 3.99% will also be charged if bill is not paid on time.

Enjoy flexibility to pay the next month for Grab services including Food, Mart, Car, Taxi, and Express.

Plus, earn GrabRewards points for each PayLater transaction!

Receive a consolidated monthly bill and pay it easily in your Grab app with GrabPay

Click here to view payment terms for billing dates and other important information.

How to activate PayLater?

Or scroll down to learn how to activate PayLater on your app.

*Please ensure you are on Grab app version 5.76 or above before activating PayLater.


  • Activate PayLater
  • Select PayLater as Payment Method
  • Pay Outstanding Amount
  • Settle Monthly Bill

Frequently Asked Questions

We usually grant PayLater access based on your user profile and the information available to us. Such as how long you have been a Grab user, how much you’ve used Grab and your GrabRewards tier, to name just a few.

So, if you want to be eligible for PayLater in future, be sure to pay off your outstanding balance by your final PayLater bill before the due date and then continue to use our services as much as possible.

There is a 3.99% processing fee for using PayLater. The processing fee will be charged on your outstanding PayLater spend. For example, if you have spent PHP 1,000 on PayLater for the month, you will be charged a processing fee of PHP 40.

Please be assured that if you activated but did not use PayLater Postpaid, you will not be charged to any processing fees.

When you activate your PayLater service, a copy of the PayLater contract will be sent to your email.

You can go to Payment > PayLater > View Details to view your current Spent Amount, Available Amount and Transaction History.

Depending on when you activate PayLater, your bill will either be generated on the 16th of 30th of each month.

For example, if you activated PayLater between the 1st to 15th of the month, your PayLater bill will be generated on the 30th of the month. If you activated PayLater after 15th of the month, your PayLater bill will be generated on the 16th of next month. 

After you have received your PayLater bill, you will need to settle your bill by 7 days to avoid a late fee of 3.99% of your outstanding amount.

All PayLater transactions is billed and deducted automatically from your GrabPay Wallet. If there is insufficient balance in your GrabPay wallet, we will top up your GrabPay Wallet from your linked card and deduct the bill amount automatically. It will appear as a Grab transaction on your credit / debit card bill.

Yes, you will receive regular payment reminders before the due date to help you avoid any fees.

Please enable all your notifications so that you receive timely reminders. You can go to Account > Settings > Communications to activate reminders. Please check your spam email folder to ensure that you receive your monthly billing emails.

Please reach out to us via Help Centre so that we can work something out together.

You can change your default payment method by going to Payment > Settings (in the top right corner) and selecting your preferred payment method. Alternatively, you can also change your payment method when you book a ride or make a GrabFood order.

The information provided here is intended as a guide only and does not constitute an offer or application for a loan or financing. The above product is available for selected users only and eligibility is subject to Grab’s internal assessment, standard disclaimers and terms and conditions.
Please ensure that you have read and understand the service diclosure statement before accepting any terms and conditions of the service.
Grab Financial Services Philippines, Inc.
SEC Reg. No. CS201905977 / Certificate of Authority No. 1210
12F Floor Wilcon IT Hub Building, 2251 Chino Roces Avenue, Makati City, Philippines