Enjoy flexible payments with

For online businesses looking to improve e-commerce conversions, you can offer PayLater to our consumers now.

Why PayLater?

Get what you want now, pay for it later

PayLater is here to bring you what you want when you want it, making payments for life’s pleasures easier, more rewarding and stress-free.

PayLater, the smart way to pay for life’s many pleasures

2 ways to PayLater

Pay in 4 monthly instalments

Make a large bill smaller at checkout. Pay only 1/4 of the total bill today and get up to 1.2% back in GrabRewards points.

Or

Pay the next month

Track your monthly spend and pay for it all in one bill with *up to 1.2% back in GrabRewards points!

*Available for use on Grab services too (e.g. Grab rides, GrabFood orders and more)

No interest,
no fees

Pay only the price of what you’re bringing home. There’s no interest, no upfront costs, and no fees as long as you pay on time.

Brands you (will) love

Use PayLater for your Grab spends and on brands you love like Secretlab, Hipvan, and many more. 

Discover new brands and exciting offers now.

It is completely transparent.

Know everything that happens

Get updates every step of the way. From when a transaction has been made to when a payment is successful. Made a refund in-store? We’ll let you know when you will get your money back.

No hidden charges

There’s only one charge if you miss a scheduled payment, and that’s a flat S$10 admin fee to reactivate your suspended PayLater account.

It prioritises your privacy and security.

Keep your credit card
number safe

Keying in sensitive credit/debit card details on multiple websites leaves you at risk of fraudulent transactions. With PayLater, you only need to check out with your mobile number no matter which store you are shopping at.

We confirm it's you who's shopping

We verify every of your transactions with a One-Time Password (OTP) sent to your mobile.

It's super simple to use.

The joy is in receiving your parcel, not paying.

Check out in 3 taps

There’s no need to memorise anything. Simply choose to checkout with Grab, key in the OTP sent to your mobile and select PayLater as your payment method. Done!

Pay seamlessly

You can automate deductions from your GrabPay balance or linked card, which makes it virtually impossible to miss a payment, and keeps you from incurring any admin fee.

Yours in 2 minutes

PayLater is designed for easy registration, so you won’t need to apply or send us more documentation to start using it. If you’re an existing Grab user, you’re likely able to access PayLater immediately.

Frequently asked questions

Grab users who are eligible for PayLater should be

1. 21 years and older
2. Platinum, Gold or Silver GrabRewards tier member, and
3. Have used either credit or debit card for at least 3 Grab transactions in the recent months.

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!

Easily track if you’re earning GrabRewards points for your selected Grab payment method by checking it during the checkout flow. Get up to 1.2% back in GrabRewards points (or up to 6 GrabRewards points per S$1 spent) for every PayLater transaction.

Look out for our various exciting promotions and merchant offers for great value at our merchant directory.

PayLater is a free service offered by retailers to you – there are no upfront fees charged or any interest accrued.

The only fee that may be incurred is admin fee to reactivate your suspended account for each missed payment. Your PayLater account may be suspended if you have overdue PayLater bill and you do not make any payments after being notified by us.

Find a comprehensive library of help articles in our Help Center

Komsan Chiyadis

GrabFood delivery-partner, Thailand

Komsan Chiyadis

GrabFood delivery-partner, Thailand

COVID-19 has dealt an unprecedented blow to the tourism industry, affecting the livelihoods of millions of workers. One of them was Komsan, an assistant chef in a luxury hotel based in the Srinakarin area.

As the number of tourists at the hotel plunged, he decided to sign up as a GrabFood delivery-partner to earn an alternative income. Soon after, the hotel ceased operations.

Komsan has viewed this change through an optimistic lens, calling it the perfect opportunity for him to embark on a fresh journey after his previous job. Aside from GrabFood deliveries, he now also picks up GrabExpress jobs. It can get tiring, having to shuttle between different locations, but Komsan finds it exciting. And mostly, he’s glad to get his income back on track.