Buy now, pay later with no interest or hidden fees


Enjoy the flexibility of splitting your bill into 4 interest-free monthly payments* (coming soon) or pay it all within 7th of the next month**. Earn GrabRewards points either way you choose to pay.

*4 month instalments is applicable with pay at Grab Online partner merchants only
**Pay in the next month is applicable with pay for Grab services only

Why PayLater


Super flexible

next month or in instalments (coming soon) ? Choose the payment method that works best for you.


Fully transparent and interest-free

No interest, upfront costs or hidden fees. Stay up to date with real-time notifications on transaction deductions, cash refunds, and automated payments.


Pay later everywhere

Use PayLater for Grab services and when you shop online at our PayLater partner merchants (coming soon).


More brands, better deals

Get special deals for your favourite online brands (coming soon).

Start shopping.

Spending responsibly can be easy

We’ve putfeatures in place to help you build healthy spending habits.

Personalised PayLater limit

We’ll set appropriate spending limits for you based on your spending history with Grab.

Track your spending at a glance

Check your available PayLater spending limit, payments due, upcoming payments, and more on PayLater’s in-app homepage. To help manage your expenses better, you’ll also receive a consolidated monthly bill in your Grab app inbox.

No more snowballing debts

If you’ve missed a payment, your account will be temporarily suspended until you’ve made the outstanding payment. You’ll also need to pay a flat THB 50 collection fee (VAT exclude, total THB 53.50) for each overdue PayLater bill over THB 1,000 to reactivate your account. This fee is chargeable for every missed payment.

Our commitment to safety

Keep your card number safe

With PayLater, your mobile number and Grab PIN is all you need to check out. You won't be asked to share any of your card details online

Only you and no one else can access your account

Your funds are secured with your Grab PIN. Your account is also protected with biometric safety features, including fingerprint scanning authentication on Android devices and Face ID authentication for iOS devices.

Fraudulent activities? Not on our watch

Your account is protected with a 24/7 fraud detection engine so you can ride, dine, shop, and pay with confidence. We monitor your account activity to identify unauthorized transactions. Once identified, we will decline the transaction immediately. Contact us anytime if you suspect that your account has been compromised


Got questions? We’ve got answers.

For more questions, please visit our Help Centre.

  • Am I eligible for PayLater

    Grab consumers who are eligible for PayLater should be

    1. You’ve been an existing Grab user for at least 6 months
    2. You’re aged 20 to 65 years
    3. Your account has been fully verified
    4. You’re a Platinum, Gold, or Silver GrabRewards tier user
    5. Your Grab app has been updated to the latest Android version or iOS version.
    and more from our criteria.

    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!

  • Is there a cost to use PayLater

    PayLater is a free service, there are no upfront fees charged or any interest accrued.

    The only fee that may be incurred is (total amount of THB53.50, inclusive of VAT) 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.

  • Can my PayLater available amount be changed?
    Your PayLater credit balance can be increased or decreased based on your user profile and the information available to us. Some criteria include how long you’ve been a Grab user, how much you’ve used Grab, your GrabRewards tier and more. As your profile can change over time, so can your Available Amount. If your Available Amount decreases, this is done to protect you from overspending.
  • How do I activate PayLater?

  • Can I pay the bill early?
    Yes, you can pay the Postpaid PayLater bill both partial and full amount by yourself via Grab app or the auto deduction will occur on 7th of the month


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