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.

BNPL payment option is subject to provider's approval. To request, please contact our support team or email to [email protected].


Boost your sales online with an enhanced checkout experience offering up to 12x flexible SPayLater options. Improve sales conversions and decrease cart abandonment rates.

PayLater by Grab - Instalment

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

PayLater by Grab - Postpaid

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


Atome conjures up increased sales and customer loyalty, making it a spellbinding addition to any business, that lets customers shop today and pay later in three enchanting, interest-free installments.

Offer payment flexibility and convenience to your customers

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

Increase your conversion rate and reduce abandon carts

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

Expand your customer base to reach a new group audience

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.

Competitive transaction rate that opens up a new possibilities

Free your mind without having to worry about no-paying instalment customers with our BNPL options. Sell, get paid and let the providers handle the rest.

Frequently Ask Question

We accept PayLater by Grab, Atome and SPayLater. More will be added in the future.

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

You can refer to Grabpay Later here or Atome here. To activate SPayLater or for assistance, e-mail us at [email protected] or call us at 03-2771 2707.

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].

If you’re an eligible merchant, all your product(s) priced between RM6-RM8,000 will have a BNPL option, automatically. For Atome, minimum amount is RM10.00

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

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

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