Buy Now Pay Later

Alternative payment method that allows customers to purchase products and services without having to commit to
the full payment amount up front. In doing so, customers have the ability to immediately finance purchases
and pay them back in fixed installments over time.

ShopBack PayLater

Drive greater sales both online and in-store with enhanced checkout convenience, security and flexibility. Increase your sales conversions and reduce your cart abandonment.

Grab PayLater Instalment

Allows customers to split their payments into manageable instalments, making it easier for them to afford their purchases.

Grab PayLater Postpaid

Postpaid payment channel offered by Grab that allows customers to defer payment for their purchases to the next month with a total amount.

Grab PayLater payment option is available upon merchant request. To request, please contact our support team or email to [email protected]. Subject to providers approval.

Will I get the payment monthly, or once in full?

You’ll receive a full payment minus the transaction rate upon successful purchase by your customers.

What happen if the customers miss a payment?

Nothing. You won’t be affected for any late payment. Our BNPL provider will take care of the rest!

What are the benefits ?

Offer payment flexibility and convenience

Increase customer satisfaction and loyalty. Able to keep your customers happy and coming back for more, to make purchases.

Expand your customer base and reach new markets

Can attract new customers who are interested in this payment option and help to differentiate your business from competitors who do not offer this option, giving you a competitive edge.

Increase conversion rate and reduce abandon carts

Easy for customers to make purchases and increase in sales on your platform.
For example, there’s a senakers for RM300. A customer immediately complete the purchase because RM100/month seems more affordable, with pay later option .

On what price ?

Transaction rate differs according to number of split the customer choose. No other transaction fees are charged.

Frequently Ask Question

What is the BNPL provider accepted by senangPay?

We accept

and

as our BNPL providers. More will be added in the future

Is my business qualified for a BNPL option?

Check whether your business are listed as non-qualified business. To ensure qualification, you may visit our senangGuide for list.

How do I enable/disable my BNPL payment option?

You can refer here for ShopBack Pay Later and refer here for Grabpay Later.

What is the reversal and refund process for BNPL?

Merchant/customer to request from senangPay for refund before reaching 90 days. For purchases made in the 24 hours timeframe, no fee will be charged. Any dispute and complaints regarding to BNPL, please email us at [email protected].

Is there any extra integration steps required for enabling BNPL?

No extra integration is needed.

Is there a minimum or maximum price for the eligible product(s)?

If you’re an eligible merchant, all your product(s) priced between RM6-RM8,000 will have a BNPL option, automatically.

When will I (merchant) receive the payment?

You’ll receive your full payment (after transaction charge deduction) on next settlement cycle.

What happen if the buyer fail to make monthly payment to provider?

It’s between the buyer and BNPL providers. However we do encourage merchants to advise their buyer to spend wisely.

Do I (merchant) need to have a separate merchant account with ShopBack to enable the BNPL payment options?

No, you’ll be registered as senangPay’s merchant.

Do buyer need to have an account with ShopBack to pay with ShopBack?

Yes. ShopBack account for buyers are free to register. Head to ShopBack official website for more information.